Business Details
21 Years
experience
Expert Mortgage & Insurance Solutions
Established in 2005, Mortgage & Insurance Needs operates as a leading mortgage and insurance brokerage based in West Kirby, Wirral. With over 100 years of combined industry experience, our team specialises in delivering tailored financial solutions for first-time buyers, self-employed individuals, and those with complex credit histories. We maintain direct relationships with over 70 lenders and utilise advanced market analysis tools to secure competitive mortgage rates and insurance packages. Our award-winning advisors prioritise client needs through face-to-face consultations and virtual appointments across the UK. As an Appointed Representative of PRIMIS Mortgage Network, we adhere to strict regulatory standards while maintaining a client-centric approach.Our services extend beyond basic mortgage arrangements to include life insurance, critical illness cover, and income protection policies. Having successfully arranged over 1 billion in mortgage lending and 3,000 protection plans, we combine technical expertise with personalised service. Our team's extensive market knowledge enables us to navigate complex financial scenarios, including buy-to-let portfolios and adverse credit histories. We maintain transparent fee structures with mortgage arrangement costs clearly defined between 200 and 600. Committed to continuous improvement, we regularly update our product offerings to reflect changing market conditions and client requirements.
Services
First Time Buyer Mortgages
Remortgage Solutions
Buy to Let Mortgages
Self Employed Mortgages
Bad Credit Mortgages
HMO Mortgages
Zero Hours Contract Mortgages
Life Insurance
Income Protection Insurance
Critical Illness Cover
Details
- Year established: 2005
Highlights and features
- We offer 100+ years combined experience in mortgage and insurance markets
- Our team secures access to exclusive rates from 70+ lenders
- Award-winning service recognised in PRIMIS Recognising Excellence 2023
- Transparent fee structure with clear mortgage arrangement costs
- Personalised approach for complex cases including adverse credit histories
Associations and certifications
- Financial Conduct Authority
What people say
Friendly and supportive team
Exceptional service
Stress-free process
Outstanding level of service
Highly recommend
Services
First Time Buyer Mortgages
Specialist support for first-time property purchasers navigating the mortgage process. Our advisors provide comprehensive guidance on deposit requirements, affordability assessments, and available government schemes. We help clients secure competitive rates through our extensive lender network while explaining complex mortgage terminology in accessible terms.
Remortgage Solutions
Expert assistance for homeowners seeking to optimise their existing mortgage arrangements. We analyse current deals against market offerings to identify potential savings or equity release opportunities. Our team manages the entire remortgaging process including valuation coordination and legal correspondence.
Buy to Let Mortgages
Specialist financing solutions for property investors seeking rental income portfolios. We provide market analysis on buy-to-let viability, assist with portfolio diversification strategies, and connect clients with lenders offering competitive landlord-specific products.
Life Insurance
Comprehensive life cover arrangements tailored to individual and family needs. Our advisors explain different policy types including term life and whole-of-life options. We help clients determine appropriate coverage levels while ensuring policies align with broader financial plans.
Bad Credit Mortgages
Specialist mortgage arrangements for clients with complex credit histories. We work with niche lenders offering flexible underwriting criteria while providing practical advice on improving creditworthiness. Our team explains specific documentation requirements and realistic lending options.
People
Graham Allsop
Director/Mortgage & Protection Broker
With extensive industry experience, Graham specialises in complex mortgage arrangements and protection planning. He leads client consultations and mentors junior advisors to maintain high service standards.
George Allsop
Director/Mortgage & Protection Broker
As a director, George focuses on client relationship management and mortgage product analysis. He has particular expertise in buy-to-let financing and adverse credit solutions.
Elliott Allsop
Director/Mortgage & Protection Broker
Elliott specialises in first-time buyer mortgages and new-build property financing. He manages key lender relationships and ensures compliance with regulatory requirements.
Jack Riley
Client Engagement Specialist
Jack coordinates client appointments and provides administrative support. He ensures smooth communication between clients and senior advisors throughout the mortgage process.
Hannah Clegg
Senior Client Manager
Hannah manages mortgage applications and client portfolios. She provides training to junior staff and maintains direct communication with clients during the application process.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer mortgages, remortgages, buy-to-let, self-employed mortgages, bad credit mortgages, HMOs, and zero-hours contracts.
How do you tailor mortgage solutions?
We conduct detailed consultations to understand your circumstances before searching 70+ lenders to find the most suitable mortgage product for your needs.
What insurance options are available?
We offer life insurance, critical illness cover, income protection insurance, and buildings & contents insurance tailored to individual circumstances.
How much do your services cost?
Mortgage arrangement fees range from £200–600 depending on your specific circumstances, with transparent pricing discussed upfront.
Can you help self-employed clients?
Yes, we have specialist mortgage solutions for self-employed individuals and company directors with proven experience in this niche area.
How do I book an appointment?
You can book directly with our advisors online or contact us via phone to schedule face-to-face or virtual consultations.
