Based on the Wirral, NG Mortgages is your local, expert mortgage and protection broker, cutting through the jargon so you don’t have to. Whether you’re a first-time buyer in Heswall, moving up in Greasby, remortgaging in West Kirby, or expanding your portfolio with a buy-to-let, we find solutions that fit you – not the other way around.
With over a decade of experience, we’ve built a reputation for approachable, clear, and honest advice. We take the stress out of mortgages, making the process simple, fast, and human-friendly. Every client gets a tailored plan, with transparent guidance on rates, products, and protection options – so you know exactly what you’re getting and why it works for your situation.
Our Wirral-first approach means we know the local property market inside out. We have strong relationships with lenders across the UK, giving you access to the best deals – even those you won’t find online. And because we’re independent, our advice is always unbiased and tailored to your goals.
We also make insurance simple. From life cover to critical illness and income protection, we ensure your mortgage is protected and your family is secure.
NG Mortgages isn’t just about numbers – it’s about confidence, clarity, and a stress-free journey to your dream home. Local, personal, and professional. If you want mortgages made easy, expert advice without the waffle, and a team that actually understands the Wirral property market, you’re in the right place.
Specialising In:
- Adverse Credit
- Buy to Let
- Capital-Raising
- Complex Income
- Contractors
- Critical Illness Cover
- Debt Consolidation
- Doctors
- Expats
- First Time Buyers
- Foreign Nationals
- Green Mortgages
- Holiday Lets
- Home Insurance
- Home Movers
- Income Protection
- Interest Only
- Life Insurance
- New Build
- NHS Staff
- Own New Scheme
- Remortgages
- Right to Buy
- Self-Employed
- Shared Equity
- Shared Ownership
- Teachers
How much can I borrow for a mortgage?
It depends on your income, outgoings and credit history. Most lenders offer around four to four and a half times your annual salary, sometimes more, sometimes less. We’ll help work out what’s realistic and which lender fits your situation best.
What deposit do I need for a mortgage?
Most mortgages need a five percent deposit, but there are options with smaller deposits and sometimes even no deposit at all. We’ll show you what’s out there and help you figure out the right option for your move.
Can I get a mortgage if I'm self-employed?
Yes. Lenders usually want two years of accounts or tax returns, but some will consider less. We’ll explain exactly what paperwork you need and find the right mortgage to fit your business income.
What costs should I expect besides the deposit?
Think about things like property valuation fees, solicitor costs and sometimes arrangement fees. We’ll set it all out clearly at the start so you know exactly what to budget for.
How long does a mortgage application take?
On average, it takes between two and six weeks from application to mortgage offer, depending on the lender and your case. We’ll keep you updated so you always know what stage you’re at.
Can I remortgage to get a better deal?
Yes. Remortgaging can save you money or release equity, but there may be early repayment charges to watch out for. We’ll review your current deal and let you know if switching makes sense for you.
Do I need Life Insurance with my mortgage?
No, it’s not a legal requirement. But it is a smart way to protect your home and family if something unexpected happens. We include a protection review with every mortgage so you can get cover that fits your life.
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- Open Now09:00 AM - 06:00 PM
- Monday09:00 AM - 06:00 PM
- Tuesday09:00 AM - 06:00 PM
- Wednesday09:00 AM - 06:00 PM
- Thursday09:00 AM - 06:00 PM
- Friday09:00 AM - 06:00 PM
- Saturday09:00 AM - 01:00 PM
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