Business Details
Your Trusted Mortgage Broker in Liverpool
True Cost Mortgages is a local mortgage brokerage firm based in Liverpool, offering impartial advice and tailored financial solutions to clients across the UK. Established as an appointed representative of Julian Harris Mortgages Ltd, we specialise in a comprehensive range of mortgage products including first-time buyer schemes, buy-to-let investments, remortgaging options, and equity release plans. Our qualified advisers prioritise client needs, providing transparent guidance through the entire property transaction process. With regulatory oversight from the Financial Conduct Authority, we maintain rigorous professional standards while offering competitive market rates.Our services extend beyond mortgages to include protection insurance and credit report reviews, ensuring holistic financial support for our clients. We pride ourselves on demystifying complex financial products and delivering stress-free experiences through expert knowledge and personalised service. Our fee structure remains transparent, with a 349 professional fee for standard mortgages and 995 for lifetime equity release plans, both payable upon completion. By combining local expertise with national regulatory compliance, we serve as a trusted partner for individuals navigating property finance and long-term financial planning.
Services
First Time Buyer Mortgages
Buy To Let Mortgages
Remortgaging
Equity Release
Adverse Credit Mortgages
Highlights and features
- We offer impartial mortgage advice from FCA-regulated professionals
- We provide access to the whole of the market mortgage products
- Our team includes specialist advisers for all mortgage types
- We guarantee transparent fee structures with no hidden charges
- We offer free initial consultations with qualified mortgage experts
Associations and certifications
- Financial Conduct Authority
What people say
Excellent customer service
Very professional
Stress-free process
Reliable advisors
Incredible rates
Services
First Time Buyer Mortgages
We specialise in guiding first-time property purchasers through the mortgage process. Our advisers help clients understand eligibility criteria, secure competitive rates, and navigate government schemes. This service provides tailored financial solutions that consider individual income profiles and long-term affordability.
Equity Release
Our equity release specialists help homeowners aged 55+ access property wealth without monthly repayments. We explain lifetime mortgages and home reversion plans, assessing impacts on estates and benefits. This service enables clients to fund retirement while maintaining property occupation.
Buy To Let Mortgages
We advise landlords on buy-to-let mortgage options with competitive rental coverage ratios. Our service includes portfolio management strategies and risk assessments for property investors seeking to expand their rental businesses through appropriate financing structures.
Adverse Credit Mortgages
Our specialists help clients with credit challenges secure mortgage approvals. We access lenders willing to consider complex financial histories, explaining requirements for credit improvement and demonstrating how to rebuild borrowing credibility through responsible property investment.
Mortgage Protection
We provide financial safeguards including life assurance and critical illness cover to protect mortgage commitments. This service ensures clients maintain home security against unforeseen circumstances through tailored insurance products that align with their specific mortgage arrangements.
Questions
What mortgage types do you specialise in?
We specialise in first-time buyer, buy-to-let, remortgaging, equity release, and adverse credit mortgages, offering access to the whole of the market including high street and specialist lenders.
How much do your mortgage services cost?
Our standard mortgage service costs £349 payable upon offer receipt, with equity release plans costing £995 payable at completion. We explain all fees clearly before you proceed with any application.
Are your advisers qualified and regulated?
Yes, we are an appointed representative of Julian Harris Mortgages Ltd, authorised and regulated by the Financial Conduct Authority (FCA register number 304155).
Can you help with bad credit mortgages?
Yes, we specialise in adverse credit mortgages and work with lenders willing to consider complex financial histories, helping clients rebuild borrowing credibility through property investment.
How quickly can you arrange a mortgage?
Application to offer typically takes 2-3 weeks, with the full process averaging 4-6 weeks. We help expedite applications by ensuring complete documentation and efficient lender communication.
Do you offer equity release advice?
Yes, our equity release specialists provide FCA-regulated advice on lifetime mortgages and home reversion plans, explaining impacts on estates and benefits while maintaining property occupation.
