At Allisons Financial, we take the time to understand your circumstances before researching appropriate options and explaining the process clearly. From your first conversation through to mortgage offer and completion, our aim is to make arranging your mortgage easier to understand and manage.
There is no single mortgage solution that works for every borrower.
Someone purchasing their first property may need help understanding deposits and affordability, while an existing homeowner could be deciding whether to move or remortgage. A landlord may have completely different requirements again.
Our approach starts with your plans.
We will consider factors such as your income, deposit or existing equity, regular financial commitments and the type of property you are looking to finance. If there are elements of your circumstances that could affect lender choice, we can take these into account when researching your options.
The aim is to find a mortgage arrangement that reflects your individual position rather than trying to fit you into a one-size-fits-all solution.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Allisons Financial supports clients across a wide range of mortgage circumstances.
First Time Buyer Mortgages – Buying your first home can involve a lot of unfamiliar terminology and decisions. Our First Time Buyer Mortgages advice can help you understand how much you may be able to borrow, the deposit you may need and how lenders assess affordability. We can also explain the purpose of a Mortgage in Principle, help you prepare for an application and guide you through the process once you have found a property.
Moving Home Mortgages – Moving property gives you an opportunity to review your mortgage arrangements as well as your home. Your existing mortgage may potentially be portable, or another mortgage may be more appropriate depending on your circumstances and lender criteria. Our Moving Home advice can help you understand the options before you make decisions about your next property.
Remortgages – A remortgage involves replacing your existing mortgage, either with a new product from your current lender or borrowing with another lender where appropriate. People consider Remortgages for many reasons, including reaching the end of an existing mortgage deal, reviewing their monthly payments or considering changes to their borrowing. We can help you compare the relevant costs and features before deciding whether making a change is appropriate.
Buy to Let Mortgages – Landlords and property investors can face different mortgage criteria from residential borrowers. Rental income, deposit size, ownership structure and the number of properties already owned can all influence lender requirements. Our Buy to Let Mortgages advice can support first-time landlords, experienced investors and portfolio landlords looking to purchase or refinance rental property.
Our mortgage brokers can review your income, deposit, financial commitments and other relevant circumstances to give you a clearer understanding of potential borrowing.
We can then explain how different lenders may approach your application and, where appropriate, help you obtain a Mortgage in Principle.
Once you have found a property and had an offer accepted, we can support you with the full mortgage application, help organise the information required by the lender and remain available as the application progresses.
Having an adviser involved throughout the process can also give you somewhere to turn when mortgage terminology, lender requests or next steps are unclear.
Not everyone earns their income through a straightforward monthly salary. If you are self-employed, work as a contractor or receive income from several different sources, lender criteria can vary significantly. Some lenders assess Self Employed Mortgages using salary and dividends, while others may consider retained profits or different measures depending on the structure of the business and the applicant’s circumstances. Contractors can also be assessed differently depending on factors such as contract history, remaining contract term and how income is paid. Our Contractor Mortgages and Mortgages with Complex Income advice can help where earnings require a more detailed approach. Having an unusual income structure does not automatically prevent you from getting a mortgage. The important part is identifying lenders whose criteria are compatible with the way you earn.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Lenders normally consider income alongside regular expenditure, debts, credit commitments, dependants and other financial obligations. They may also test whether the mortgage remains affordable under different interest rate assumptions. The amount one lender is prepared to offer can therefore differ from another.
Our Mortgage Affordability Advice can help you understand the factors that may influence potential borrowing before you start viewing properties or submit an application.
You can also use our Affordability Calculator and Repayment Calculator for an initial indication of potential borrowing and monthly mortgage payments. Calculators provide estimates rather than a guarantee of what a lender will offer, so a full assessment is still important.
The mortgage market includes lenders with different products, lending criteria and approaches to affordability. A mortgage broker can help you navigate those differences. Rather than approaching lenders individually, you can discuss your circumstances with an adviser who can research suitable mortgage options and explain the differences between them. This can be particularly valuable when your circumstances require a more specific lender approach, such as being self-employed, working on a contract, receiving multiple forms of income or purchasing a non-standard property. Your adviser can also support you with preparing the application and communicating with the lender as the case progresses. The purpose of mortgage advice is not simply to secure borrowing. It is to help you understand the mortgage you are taking on and the commitments involved.
The cost of mortgage advice can depend on the circumstances and type of work involved. At Allisons Financial, any fees that apply will be explained clearly before you decide whether to proceed.
A mortgage adviser may also receive commission from the lender following completion of an eligible mortgage, and this will be disclosed as part of the advice process where applicable. You can find more information about our approach to charges on our How We Are Paid page. We believe understanding the cost of advice should be straightforward, so you know how the service works before making a commitment.
Allisons Financial is based in St Helens and provides mortgage and financial advice to clients throughout the local area and further afield.
Our approach is built around personal advice rather than simply presenting a list of mortgage products.
We will take time to understand what you are trying to achieve, identify anything that could affect your mortgage application and explain the options that may be appropriate. You will also have support beyond the initial recommendation. We can assist with the application process, respond to lender queries and keep you informed as the mortgage progresses.
Because Allisons Financial also provides wider financial and protection advice, clients can access support across different stages of their financial lives without having to start from scratch with a completely new firm each time their circumstances change.
Choosing a mortgage broker is also about choosing the people you are comfortable trusting with an important financial decision. Our St Helens team takes a personal approach to mortgage advice, with the focus on understanding your circumstances before recommending a way forward. Whether you are discussing your first mortgage or already have experience buying property, we aim to explain the process without unnecessary jargon and give you a clear understanding of what happens next. You can visit our Meet the Team page to find out more about the advisers at Allisons Financial and the people who will support you.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Whether you are buying your first home, moving property, remortgaging or arranging a mortgage for a rental property, Allisons Financial’s Mortgage Brokers St Helens are here to help. We will take the time to understand your plans, explain your mortgage options and provide support from your initial conversation through to mortgage offer and completion.
Get in touch with Allisons Financial today to speak to a mortgage broker in St Helens.
A mortgage broker assesses your circumstances and helps research mortgage options that may be suitable. They can explain lender criteria, compare relevant products and support you throughout the application process.
Using a local mortgage broker gives you access to personal mortgage advice from a team familiar with the St Helens area. More importantly, your adviser can research lender criteria and mortgage products based on your individual circumstances.
Yes. We provide mortgage advice for first-time buyers, including guidance on deposits, affordability, Mortgage in Principles and full mortgage applications.
Yes. We advise self-employed applicants and can help you understand how different lenders may assess your income. The documents and figures required can vary depending on your business and circumstances.
Yes. We can review your existing borrowing and help you compare remortgage options where appropriate, taking account of rates, fees, early repayment charges and other relevant costs.
Being based in St Helens means Allisons Financial supports clients throughout the town and surrounding communities.
We regularly work with people purchasing, moving and remortgaging across areas including Rainford, Eccleston, Windle, Haydock, Sutton and Haresfinch, as well as elsewhere across St Helens and Merseyside.
Local knowledge can be useful, but the most important part of mortgage advice remains understanding your individual finances and the requirements of the lender.
Whether you are purchasing locally or moving elsewhere in the UK, you can continue to work with the same Allisons Financial team throughout the mortgage process.
Allisons Financial Planning Ltd is Authorised and Regulated by the Financial Conduct Authority under reference 808678. You can find us on the FCA Firm Checker (https://www.fca.org.uk/consumers/fca-firm-checker)
Allisons Financial Planning Ltd is Registered in England and Wales, Company no. 5210702. Registered address: 105 Mere Grange, St Helens, Merseyside, WA9 5GG.
The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. The content of this website is for information purposes only and does not constitute financial advice or a recommendation to a suitable product or service. You should seek advice before embarking on any course of action.
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