Covid 19

We are here to help

During this very difficult time, we want to reassure all our clients that we want to support you while we all deal with the current developments of the Coronavirus.

Safety of our colleagues, clients and business partners is absolutely key, and, in that context, we want to ensure that you are impacted as little as possible when dealing with us.

If you need any help please use the link below in the first instance and your mortgage broker will contact you to provide the advice required.
Please stay safe !

How can we help?

Are you looking for a Mortgage Broker in Liverpool?

You have come to the right place!

Send us a message

True Cost Mortgages are local mortgage advisors in Liverpool. We offer you the widest possible range of lending solutions.

We understand buying a property can be the biggest decision made in our lives. Therefore our qualified advisers are here to help with impartial advice.

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True Cost Mortgages offer lending solutions from the whole of the market including high street and specialist lenders, and are able to satisfy the vast majority of mortgage and other lending enquiries.

As long established Mortgage Brokers in the Liverpool area, we can advise on:

  • First Time Buyer Mortgages
  • Advice For Moving Home
  • Remortgage
  • Right To Buy
  • Buy To Let
  • Product Transfer
  • Secured Loans

We are a highly rated leading Independent mortgage broker who prides ourselves on Service, Experience and Knowledge.

FREE Mortgage Consultation

Click here to arrange your free mortgage consultation!

Calculate your monthly mortgage cost

Monthly Mortgage Payments

Home mortgages

Testimonials

Great service provided by the team at TCM. Act fast, great advice, great value for money. Total commitment from start to finish. I would highly recommend!!Charlie MurraySeptember 12, 2019
I have been using Mike for 15 years and I can highly recommend him and the service he provides is second to none. His knowledge of the Mortgage market is exceptional and he will go the extra mile to assist with all stages of the Your application.Chris DaySeptember 11, 2019
I have known Mike at True Cost Mortgages in Liverpool for over 18 months and I fully appreciate his attention to detail and level of professional reputation in the local market. His knowledge on topics such as adverse credit mortgages, first time buyer mortgages and retirement interest only mortgages is top notch. Together with Lennie who specialises in Equity Release they cover the full range of mortgage requirements that would cater for anyone looking for the specialist advice they provide. I have no hesitation in recommending Mike to anyone in the Liverpool area in need of independent mortgage advice.Bluesky Video ReviewsSeptember 11, 2019
I can't recommend Lennie highly enough. Without his help I doubt I would have secured a mortgage. From the start he looked after me with dedication and care. I'm now a happy home owner thanks to his hard work!Isaiah CanoMay 10, 2019
Mike and Lennie couldn't be more helpful in the mortgage process, from day 1 everything was explained and the best mortgage was sourced. Also after the mortgage was approved Lennie kept in touch and nothing was to much trouble, either texting, phoning or emailing each other at all hours of the day and night. I would recommend Mike and Lennie to anyone who needs advice on insurance or mortgages. We now think of them as friends not advisors.David WestheadFebruary 18, 2019
Mike has been amazing with helping us to purchase our new home. He has always gone out of his way trough out the whole process and after. It would of been so difficult without him. I highly recommended his services definitely 5 star!!Victoria BartleyFebruary 1, 2019
Lennie was very helpful and spent lots of time finding the right product in a difficult scenario. Thanks.Rob RadJanuary 2, 2019
Denise T.... We have just completed our remortgage with Lennie at True Cost Mortgages. We found him to be very knowledgable and professional. He was fantastic from start to finish and made our experience totally stress free. Cannot recommend him enough. Thank you Lennie xDenise TaylorDecember 29, 2018
Great and fast service. Would really recommend in using this company.Paul CarneyDecember 18, 2018
I would highly recommend. Lennie Brown is an absolute Star.Paulina LewandowskaNovember 12, 2018
Recommended to us by a friend spent a lot of time finding the best morgage on offer . Since then my son has remorgaged using the same company can't thank them enough. Totally committed to their clients .five star service.Paul TaylorNovember 9, 2018
Brilliant service made the whole process so much easier saved us alot of money will definitely use againMichael TomlinsonNovember 5, 2018
I really couldn't recommend Mike at ​True Cost Mortgages​ enough. He has been amazing from the beginning. I am currently at the final stages of the process now with the Mortgage in place just waiting to exchange. Mike has remained in contact throughout and the guidance has been invaluable. I am a first time buyer and I originally contacted Mike at ​True Cost Mortgages​ because I wasn't sure if my circumstances meant I could get a mortgage. From the first phone call Mike was honest, knowledgeable and put my mind at ease. He is extremely friendly and easy to talk to but completely professional as well. Not only did Mike secure me a Mortgage, which at the time I really didn't believe was going to be possible, he also made sure he found me a really good rate with a well known lender. He done extensive research and came back to me with 3-4 different illustrations before making the final decision of who to apply with. All the leg work is done by him and all I had to do was provide documentation and proof. Mike was always on hand for a call, email or text. Even when he was trying to enjoy a holiday in Portugal (as we were at the most important stage of the application). I honestly can't think him enough. I would urge anyone who is thinking of getting a Mortgage but is not confident with their circumstances whether that be credit file, income, self employment etc to call ​True Cost Mortgages​. ​Mike ​has been worth every penny​ and​ I will be 100% using ​him ​again in the future​,​ when the time comes to look at remortgaging.Megan EvansNovember 5, 2018
I couldn't recommend True Cost Mortgages enough, when it came to buying our first house, we had no clue where to even start. True Cost Mortgages advised us on our mortgage options explaining every detail, took all of the stress out of process by communicating on a daily basis with what steps we needed to take next. A very professional and friendly service, would highly recommend to anyone looking for a mortgage.Hayley BradshawNovember 4, 2018
Really happy with all the help I was given while buying my first house I was referred on by a family member. I would highly recommended them due to my experience it was efficient upfront, honest and friendly, with expert advice giving me detailed information about all of my options, Thanks again Ad.adam simmNovember 2, 2018
Excellent service which was extremely professional and provided a mortgage which matched my needs.. i would definatley recommend themShirley NorrisNovember 2, 2018
The biggest purchase of our lives was a terrifying thought for a couple who knew nothing about mortgages. True cost mortgages really cared that we got the right deal for us, they were able to search a huge range of deals meaning we didn’t have to do the research ourselves. They take great care in ensuring their clients completely understand the costs involved in each deal before making their decision. They were patient, professional and nothing was too much trouble. We would encourage anyone else looking for a mortgage to use this company. Thank you Mike and Lennie!Natalie SimmNovember 2, 2018
Whole of Market Mortgage brokers who offer great value for money.Mike RobertsNovember 23, 2017

Speak with one of our qualified advisers today and let us take all the stress out of getting your mortgage application approved.

Call our helpline FREE on 0800 035 2989 to speak to an adviser today.

Book your FREE telephone appointment

Key Services

Mortgage

Mortgage Advice

Equity Release Southport

Equity Release Advice

Insurance Protection

Frequently Asked Questions

Frequently asked questions

Yes. We have access to whole of market products and offer impartial advice across all aspects of our service.

Slowly, lenders are beginning to offer a more flexible approach to borrowers who may have experienced an unfortunate financial episode in the past. A call to one of our advisers will ascertain if  and how we can help. 

Over recent times, Equity Release Mortgage providers have sought to widen their market by offering more flexibility in their lending criteria and some will now consider loan repayments as part of their acceptable uses policy. Contact us to find out which providers will help in these circumstances.

This depends on the lenders, some are more generous than others but all will now use an affordability calculator. Your mortgage broker has access to all the lenders affordability calculators.

The minimum is 5% but the bigger the deposit the better the interest rate.

That depends on the amount borrowed and over what mortgage term you select. Traditionally most borrowers select 25 years but there is a trend for extending to longer terms to make payments more affordable especially for first time buyers. The longer the term the more interest you will be charged as you will have the mortgage for longer.  If you select a long term say 30 -35 years initially you can adjust this at a later date if you affordability improves.

Take a look at our mortgage calculator below to get a good idea of monthly costs.