Mortgage broker for Liverpool

No. Count Ready is based in Chelmsford and offers mortgage advice to Liverpool customers by phone and online. This is a service page, not a Liverpool branch listing. If you prefer a face-to-face appointment, ask what arrangements are available before travelling.

You can discuss borrowing to buy your home through Right to Buy. First confirm with your landlord whether you qualify, including whether Preserved Right to Buy applies. Tell your adviser about the property, proposed buyers and any offer from the landlord. Scheme eligibility and mortgage approval are separate decisions.

Some lenders may take the discount into account, but their requirements differ. Your adviser needs the landlord’s valuation, discount and purchase price alongside your income, commitments and property details. Do not assume that no cash deposit or savings will be needed; legal fees, charges and ownership costs also need budgeting for.

Your initial conversation is free. Our current website disclosure says we usually charge £595 on mortgage offer and may also receive commission from the lender. We agree the fee before chargeable work. Read your written fee disclosure and the current Terms of Business for what is included, when payment is due and cancellation terms.

Yes. You can start with an approximate purchase budget, deposit, income type and household spending. Tell us if you are still exploring areas or do not know a figure. An agreement in principle can help with planning, but it is not a mortgage offer and does not confirm that a lender will accept a particular property.

Ask about the remaining lease term, ground rent, service charge and planned major works. Explain the building type, any commercial premises nearby or below it, and known construction or cladding concerns. The lender assesses suitability for its mortgage; your conveyancer checks the lease and legal title, and a surveyor can advise on condition.

Check your deal end date, balance, remaining term and any early repayment charge. An adviser can compare a product transfer with your current lender and a remortgage elsewhere, including fees and overall cost. If your circumstances have changed, mention that early. Timescales and available options depend on the lender and your case.

Yes. Explain your business structure, trading history and how you receive income. Accounts, tax documents, salary, dividends and other business information may be relevant depending on the lender and circumstances. Your adviser will explain the evidence needed; there is no single income calculation or guaranteed outcome for all applicants.

Check the exact address and proposed use with the responsible council. Liverpool City Council has selective licensing in designated areas and mandatory HMO licensing where applicable. A property elsewhere in Merseyside may fall under another authority. Licensing and planning are separate from the lender’s decision; a mortgage offer is not permission to let.

Yes. Tell your adviser the type of issue, dates, amounts and whether it has been settled, together with your wider circumstances. Options vary by lender. Ask what checks and evidence would be needed before making applications, and agree a secure route before sending a credit report or identity documents. Approval cannot be guaranteed.