Welcome to true cost mortgages

FREE Mortgage Consultation from mortgage experts based in Liverpool

Call us FREE now on 0800 035 2989

True Cost Mortgages are local mortgage brokers 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.

Monthly Mortgage Payments

How can we help?

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

First Time Buyer Mortgages

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Buy To Let Mortgages

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Remortgaging

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Right to Buy Scheme

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Credit Report Review

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Adverse Credit Mortgages

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FREE Mortgage Consultation

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.

Call our helpline for a free initial consolation to see if you will qualify for a mortgage. One of our advisors will assess your circumstances and advise if you would qualify for the mortgage your require. We will then explain the whole process and take the stress out of the process.

Call our Free helpline on 0800 035 2989 today

Check My File is an affiliated link and therefore it helps us offer our Credit Report Review Service free of charge. If you go through the link, it can result in a payment or benefit to the site.

Customer Testimonials

Call our helpline for a free initial consolation to see if you will qualify for a mortgage. One of our advisors will assess your circumstances and advise if you would qualify for the mortgage your require. We will then explain the whole process and take the stress out of the process.

Mortgage Protection & Resources

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

Choosing the right home survey

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Conveyancing explained

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What is stamp duty?

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Critical Illness Cover

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Income Protection

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Mortgage Payment Protection

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Frequently Asked Questions

If you have any more questions about your mortgages, give our team a call anytime!

Yes, in most cases we can. Best to get in touch with us so we can get a full understanding of your circumstances.

Subject to meeting the requirements of the provider, yes that can be done.

All lenders have a lending criteria that looks at many things such as your income, age and credit history. Please get in touch where we will be able to give your specific guidance.

That depends on the type of mortgage you are looking for. As an absolute minimum – first time buyers need 5% of the purchase price or valuation whichever is the lower.

Enter your details into our mortgage calculator as a guide and then get in touch for a full quotation.

We will provide you with a free initial consultation and we will always explain exactly what you will be charged before you choose to proceed with an application. Our professional fee charged is £349 which is payable upon receipt of your mortgage offer. We will also be paid commission from the lender.

For Lifetime Mortgages our professional fee charged is £995 which is payable when your mortgage completes. We will also be paid commission from the lender.

Who We Are

The business advice centre limited T/A True cost mortgages is an appointed representative of Julian Harris Mortgages Ltd, which is authorised and regulated by the Financial Conduct Authority. We are Registered in England and Wales. Registered Address Suite 4, 48 Westgate, Skelmersdale WN8 8AZ. Registered Company No 7931506. We are an appointed representative of Julian Harris Mortgages Limited, Julian Harris House, Musgrove, Ashford, Kent, TN23 7UN, which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Limited FCA Register number is 304155.

‘The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.’

Equity release may involve a lifetime mortgage or a home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

Please Note think carefully before securing debts 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. Please note that some mortgages such as commercial BTLs are not regulated by the FCA.

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

© 2025 True Cost Mortgages