Business Details
Trusted Mortgage Brokers in Liverpool Offering Expert Financial Solutions
True Cost Mortgages is a local mortgage brokerage firm based in Liverpool, offering a comprehensive range of lending solutions tailored to individual client needs. Established as an appointed representative of Julian Harris Mortgages Ltd, a Financial Conduct Authority (FCA)-regulated entity, we prioritise impartial advice and expert guidance through the complexities of mortgage acquisition. Our team of qualified advisers specialises in first-time buyer mortgages, buy-to-let financing, remortgaging, equity release, and adverse credit solutions, ensuring clients receive tailored support aligned with their unique circumstances.With a commitment to transparency, we provide a free initial consultation and clearly outline all fees, including a 349 professional charge upon mortgage offer acceptance. Our affiliation with FCA-regulated partners underscores our dedication to compliance, client protection, and industry best practices, positioning us as a trusted advisor in the UK mortgage market.
Services
First Time Buyer Mortgages
Buy To Let Mortgages
Remortgaging
Right to Buy Scheme
Equity Release
Adverse Credit Mortgages
Mortgage Protection
Life Assurance
Critical Illness Cover
Income Protection
Highlights and features
- We are FCA-regulated for your protection and compliance.
- Our advisers offer impartial guidance tailored to individual needs.
- We provide access to a wide range of lending solutions from the whole market.
- A free initial consultation helps determine your mortgage eligibility.
- Transparent fee structures with no hidden charges.
Associations and certifications
- Financial Conduct Authority
What people say
Very helpful
Stress free
Excellent customer service
Efficient
Incredible rates
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process, offering tailored advice to secure competitive rates. Our advisers assess your financial situation to identify suitable lending options, ensuring affordability and compliance with FCA regulations. This service helps clients navigate deposit requirements, government schemes, and legal formalities for a seamless property purchase.
Equity Release
Our equity release specialists help homeowners aged 55+ unlock cash from their property without monthly repayments. We explain lifetime mortgages and home reversion plans, detailing how these products affect inheritance and benefits. Clients receive personalised illustrations to evaluate financial implications before committing to a regulated solution.
Remortgaging
We advise on remortgaging options to secure better rates or release equity, considering exit fees and new lender terms. Our process involves assessing your current mortgage, comparing market deals, and managing the transition to a new provider. This service aims to reduce monthly payments or fund home improvements while ensuring regulatory compliance.
Adverse Credit Mortgages
We connect clients with lenders offering mortgages despite past credit issues, such as CCJs or bankruptcy. Our advisers evaluate your circumstances to identify suitable lenders and prepare applications highlighting financial recovery. This service includes guidance on improving credit scores and meeting affordability criteria for successful approval.
Mortgage Protection
We provide insurance solutions to safeguard mortgage payments against unforeseen events, including life assurance and critical illness cover. These policies ensure financial security for dependents or income protection during unemployment. Our advisers explain policy terms, coverage limits, and how these plans integrate with your mortgage strategy.
Questions
What mortgage options are available for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including government-backed schemes to reduce deposit requirements and facilitate homeownership.
How does equity release affect inheritance?
Equity release reduces the value of your estate, potentially impacting inheritance. Our advisers explain lifetime mortgages and home reversion plans to clarify long-term implications.
What fees are charged for mortgage advice?
A £349 fee applies upon mortgage offer acceptance, with a £995 charge for lifetime mortgages payable at completion. We explain all costs upfront.
Can I remortgage with bad credit?
Yes, we connect clients with specialist lenders offering remortgaging options for adverse credit histories, ensuring transparent affordability assessments.
What protection plans safeguard mortgage payments?
We provide life assurance, critical illness cover, and income protection policies to secure mortgage payments during unemployment, illness, or death.
Are your services regulated?
Yes, we operate as an appointed representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority for client protection.
