Business Details
21 Years
experience
Trusted Mortgage Brokers in West Kirby
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 mortgage and insurance advice across Wirral and the UK. We specialise in sourcing bespoke mortgage products for diverse circumstances, including first-time buyers, self-employed individuals, and those with adverse credit histories. With access to over 70 lenders and thousands of deals, we prioritise your interests through impartial advice and direct liaison with solicitors, surveyors, and insurers.Our commitment to transparency is reflected in upfront fee estimates (200-600) and a client-centric process that has secured 1 billion in mortgages and 6,000+ protection plans. Recognised by the 2023 PRIMIS Recognising Excellence award, we maintain FCA authorisation through our partnership with Advance Mortgage Funding Limited, ensuring regulatory compliance and client trust.
Services
First Time Buyer Mortgages
Remortgage Services
Buy to Let Financing
Bad Credit Mortgages
Life Insurance Policies
Details
- Year established: 2005
Highlights and features
- We offer 100+ years combined experience in mortgage and insurance brokering
- Our tailored approach matches clients with 70+ lenders' exclusive deals
- We provide free initial consultations with no-obligation mortgage advice
- Our FCA-authorised status ensures regulatory-compliant financial solutions
- We've arranged 1 billion+ in mortgages for Wirral residents since 2005
Associations and certifications
- Financial Conduct Authority (FCA)
What people say
Excellent service
Friendly team
Stress-free process
Expert advisors
Exceptional support
Services
First Time Buyer Mortgages
Specialist mortgages for first-time purchasers navigating their initial property acquisition. We simplify the process through comprehensive market analysis and tailored product matching. Our advisors provide step-by-step guidance from affordability assessment to completion, ensuring access to exclusive deals unavailable on the high street.
Remortgage Services
Optimise your existing property investment through strategic remortgaging solutions. We analyse current deals against market alternatives to secure better rates or release equity. Our process maintains continuity while improving financial outcomes through competitive lender negotiations.
Buy to Let Financing
Specialised lending solutions for property investors seeking rental income portfolios. We access non-regulated products with flexible criteria, focusing on cashflow projections and portfolio growth strategies. Our expertise includes limited company buy-to-let structures and HMO financing.
Bad Credit Mortgages
Tailored mortgage options for applicants with historic credit challenges. We work with specialist lenders offering flexible underwriting while providing practical advice to improve lending prospects. Our approach balances realistic expectations with achievable homeownership goals.
Life Insurance Policies
Comprehensive life insurance solutions protecting families against financial hardship. We offer term and whole-of-life policies with optional critical illness add-ons. Our independent advice ensures appropriate coverage levels at competitive premiums through major insurers.
People
George Allsop
Director/Mortgage & Protection Broker
With extensive industry experience, George specialises in complex mortgage cases and protection planning. He leads client consultations and mentors junior advisors, maintaining hands-on involvement in challenging cases.
Graham Allsop
Director/Mortgage & Protection Broker
As co-founder, Graham focuses on strategic partnerships with lenders and solicitors. He oversees compliance procedures while maintaining direct client engagement for high-value transactions.
Elliott Allsop
Director/Mortgage & Protection Broker
Elliott manages the brokerage's technology integration and market analysis systems. He specialises in innovative financing solutions for self-employed professionals and contractors.
Hannah Clegg
Senior Client Manager
Hannah coordinates client communications and training programs. She handles complex case management and ensures consistent service delivery across the advisory team.
Richard Highton
Head of Mortgage Compliance
Richard oversees regulatory compliance and quality assurance. He maintains the brokerage's FCA standards while providing technical support to advisors on challenging cases.
Questions
What mortgage options exist for first-time buyers?
We offer tailored first-time buyer mortgages with competitive rates, including 5% deposit schemes and government-backed initiatives. Our advisors explain all options during initial consultations.
How do bad credit mortgages work?
We access specialist lenders offering mortgages for adverse credit histories. Each application considers individual circumstances rather than blanket automated decisions.
What fees apply to mortgage arrangements?
Our fees range from £200-£600 depending on transaction complexity, with all costs disclosed upfront before proceeding with any mortgage application.
Can I get a mortgage as a self-employed individual?
Yes, we specialise in self-employed mortgages using SA302 forms or accountant-certified income assessments to secure competitive deals.
How quickly can I obtain a mortgage agreement?
Many clients receive an Agreement in Principle within 24 hours of consultation, with full mortgage offers typically following within 2-4 weeks.
What insurance products do you offer?
We provide life insurance, critical illness cover, income protection, and buildings & contents insurance tailored to individual financial circumstances.
