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M.a.i.n We are a long established, family-run, award winning mortgage and insurance brokers based in West Kirby, Wirral. Get a better understanding of your affordability and search over 70 lenders with our online quotation system. After being rejected by our own bank for a re-mortgage after a 4 hour zoom meeting with them (I kid you not) to be told no was gutting.

We met with George at MAIN. Within 45 minutes we had a new mortgage to consider, an offer by a lender by the end of the same day and the re-mortgage completed (money in the bank) 37 days later! - all ready to start our extension. We cannot thank the team at MAIN enough for their support and flawless professionalism throughout the whole process. The admin team making the bookings were so friendly and made the whole thing so easy to look forward to rather than feeling intimidated like we have felt with our own bank.

George himself, his knowledge of the market and current trends and issues were outstanding and his friendly professional manner made us feel we had the knowledge and guidance we needed to proceed.
Highlights

read more › We offer face-to-face appointments to local clients and telephone/Zoom calls to clients based across the UK. We understand that finding and arranging a mortgage can be both stressful and daunting, with such a wide range of mortgage options available on the high street. At Mortgage and Insurance Needs, we take the time to find out as much as we can about your circumstances and what you would like the outcome to be. After finding out about your needs, we then search over 27,000 + different mortgage options to find the perfect option for you.

read more › Purchasing a property is likely to be the largest purchase you will make in your lifetime and this guide to mortgages should make things a little easier to understand. Mortgages to most people can be quite a scary prospect. Choosing the right mortgage and getting the right advice is imperative. We have created a basic guide to help you understand the different terms and types. However, when arranging a mortgage with M.A.I.N, we will go through all of the steps with you and find the perfect option for your circumstances.

read more › There are multiple elements in arranging a new mortgage, even if you have done it before, a remortgage can still be a complex process that takes up a lot of your time. Certain lenders still have restrictions in place which is why it's important to contact a trusted advisor. If your mortgage deal is about to expire, this is the best time to shop around and find the best rate for your remortgage. You may be looking to reduce your monthly repayments or clear other debts you may have. You may also be looking to adjust the terms of your agreement, making it more suitable for your current demands.

read more › Typically referred to as a HMO, HMO is an abbreviation for House in Multiple Occupation. This is a house that is occupied by multiple tenants or residents. An HMO will allow landlords to rent the property to multiple people, or multiple households rather than a single household. Over the last couple of years we have noticed an increase in clients applying for HMO mortgages. More and more properties are being let out as HMO properties than ever before. But, do you really need a HMO mortgage or is a buy-to-let mortgage sufficient for your needs?

read more › It's a common misconception that those with a zero hour contract will not be able to successfully apply for a mortgage. This is because lenders will insist on a stable income source, however, each lender will have a different set of criteria to meet. Obtaining a mortgage on a zero hours contract can be difficult, depending on your circumstances. However, as we have mentioned above, each lender will have a different set of criteria for you to meet. Unfortunately, as a zero hours contract is a less stable form of income, the lenders may look at that less favourably, compared to those with a permanent contract.

read more › We are Mortgage & Insurance brokers that have access to a range of underwriters to get you the most comprehensive terms, at the very best prices. Don't take the risk with your protection and choose M.A.I.N to cover all of your insurance needs. A comparison site may be able to find the best priced policy, but do they explain other options that may suit your particular requirements. Primarily, we specialise in Life Insurance, however, there are lots of other policies that we can arrange or source for you.

read more › Save money by using Mortgage & Insurance Needs to find your Home Insurance quote in the UK for 2021! Home cover is a type of insurance that combines both Buildings and Contents into one combined policy. It's designed to cover the cost of having to rebuild your home, should it be damaged or destroyed, as well as covering the cost of replacing your belongings if they are lost, stolen or damaged. The buildings element is designed to cover the cost of damage to the structural elements of the property.

read more › This type of insurance is usually required when purchasing a property. However, certain lenders will insist on certain features being included within your policy. Buildings cover is a type of insurance designed to cover the cost of having to rebuild your home, should it be damaged or destroyed. The lender will insist upon the insurance being in place prior to contracts being exchanged. As mentioned above, if you plan on purchasing a property with a mortgage, it is usually a condition of the lender that the insurance is in place prior to completion.

read more › Contents Insurance is designed to cover the cost of replacing your belongings if they are lost, stolen or damaged. If you aren't sure whether a specific item would be covered or not, please call our team on 0151 625 5995 and we would be more than happy to assist. Buildings Insurance is typically a requirement when purchasing a property using a mortgage. This is because lenders will insist on you having that protection in place, should the worst happen. We have access to some of the UK's largest Insurers and can compare policy features in just a few clicks.

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