Business Details
21 Years
experience
Award-Winning Mortgage & Insurance Brokers in Wirral
Established in 2005, Mortgage & Insurance Needs has built a reputation on exceptional client relationships and tailored financial solutions. Our team combines over 100 years of industry experience to provide expert mortgage and insurance advice, serving clients across the UK through face-to-face, telephone, and Zoom appointments. We prioritise understanding individual circumstances to source bespoke mortgage products from a comprehensive panel of over 70 lenders, ensuring clients receive competitive rates and terms. Our commitment to transparency is evident in our upfront fee structure, ranging from 200 to 600, and our dedication to client education through tools like mortgage calculators and agreement-in-principle services.Recognised as a PRIMIS Recognising Excellence 2023 award winner, we maintain authorisation and regulation by the Financial Conduct Authority, ensuring adherence to the highest professional standards. Our client-centric approach is reflected in over 500 five-star reviews, highlighting our team's expertise in navigating complex scenarios such as bad credit, self-employment, and buy-to-let mortgages. We streamline the entire process by liaising directly with solicitors, surveyors, and lenders, offering ongoing support from initial consultation to property completion.
Services
First Time Buyer Mortgages
Remortgage Solutions
Buy to Let Mortgages
Self Employed Mortgages
Bad Credit Mortgages
HMO Mortgages
Zero Hours Contract Mortgages
Life Insurance
Critical Illness Cover
Income Protection Insurance
Details
- Year established: 2005
Highlights and features
- Combined 100+ years of mortgage and insurance expertise
- Personalised service tailored to individual circumstances
- Access to over 70 lenders and exclusive mortgage deals
- Transparent fee structure (200600) with no hidden costs
- Award-winning team with 500+ five-star client reviews
Associations and certifications
- Financial Conduct Authority
- PRIMIS Mortgage Network
What people say
Excellent service
Friendly and supportive
Stress-free process
Exceptional expertise
Highly recommend
Services
First Time Buyer Mortgages
Specialist mortgages for first-time purchasers, offering competitive rates and tailored affordability assessments. We guide clients through the entire process, from initial agreement in principle to completion, ensuring access to exclusive deals not available on the high street. Our advisors help navigate deposit requirements, government schemes, and lender criteria to secure optimal solutions.
Buy to Let Mortgages
Tailored financing solutions for property investors, including portfolio management and tax-efficient structures. We provide access to specialist lenders offering competitive terms for both single and multiple property investors, with expertise in navigating the unique challenges of the buy-to-let market, including rental income assessments and limited company mortgage structures.
Bad Credit Mortgages
Expert guidance for clients with credit challenges, including county court judgments, defaults, or bankruptcy history. We work with specialist lenders offering tailored solutions while providing clear advice on improving creditworthiness. Our team helps clients understand their options and secure mortgages with realistic repayment terms that rebuild financial credibility.
Life Insurance
Comprehensive life insurance policies designed to protect families and financial commitments. We offer both term and whole-of-life coverage, with flexible options to suit individual needs. Our advisors help clients understand policy features, exclusions, and benefits to ensure appropriate coverage levels that align with mortgage requirements and personal circumstances.
Remortgage Solutions
Expert remortgaging services to help clients secure better rates, release equity, or adjust loan terms. We analyse existing mortgage arrangements, compare thousands of deals, and manage the entire process to ensure seamless transitions. Our advice considers early repayment charges and long-term financial benefits to maximise client savings.
People
George Allsop
Director/Mortgage & Protection Broker
With extensive industry experience, George specialises in complex mortgage cases and protection policies. He leads client consultations, focusing on tailored solutions for self-employed individuals and property investors. His expertise in navigating adverse credit scenarios has earned numerous client commendations.
Graham Allsop
Director/Mortgage & Protection Broker
As a founding director, Graham oversees mortgage strategy and lender relationships. He specialises in buy-to-let portfolios and commercial mortgages, leveraging 25+ years of experience to deliver innovative solutions for high-net-worth clients and property developers.
Elliott Allsop
Director/Mortgage & Protection Broker
Elliott focuses on first-time buyer mortgages and new-build properties. He manages relationships with major construction firms and housing associations, ensuring clients access exclusive early-release deals and government-backed schemes for new purchasers.
Hannah Clegg
Senior Client Manager
Hannah coordinates client services and provides training across the mortgage process. She specialises in remortgaging and equity release, maintaining a 98% client satisfaction rate through clear communication and meticulous case management for time-sensitive transactions.
Jack Riley
Client Engagement Specialist
Jack serves as primary contact for new clients, conducting initial assessments and mortgage affordability analyses. He streamlines the application process for straightforward cases, ensuring rapid agreement-in-principle issuance within 24 hours of consultation.
Questions
What mortgage options exist for self-employed individuals?
We offer tailored solutions for self-employed clients, including income-multiplier mortgages and limited company director schemes. Our advisors work with specialist lenders who accept alternative income verification methods.
How do I start the mortgage application process?
Begin with a free, no-obligation consultation where we assess your circumstances. We'll provide an agreement in principle the same day, followed by property search guidance and formal application assistance.
What insurance policies do you recommend with mortgages?
We advise on life insurance, critical illness cover, and income protection to safeguard against unforeseen circumstances. Our team explains policy terms and helps select appropriate coverage levels aligned with mortgage commitments.
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit cases. Our advisors work with lenders offering second-chance mortgages while providing practical advice to improve credit profiles for better future terms.
What fees are involved in mortgage arrangement?
Our fees range from £200 to £600, clearly explained during initial consultation. We provide detailed breakdowns before any commitment, with no hidden costs or unexpected charges during the process.
Do you offer buy-to-let mortgage solutions?
Yes, we provide specialist buy-to-let mortgages for both novice and experienced investors. Our services include portfolio management strategies, tax-efficient structures, and access to lenders offering competitive rental coverage ratios.
