Whole-of-Market, Independent & Free Mortgage Advice from Liverpool’s Fee Free Mortgage Advisors


The Fees Free Mortgages team are on your side. Whether you’re looking to get on the property ladder, purchase your next home, or re-mortgage, we’ll work to find you the perfect option, stress-free, hassle-free, local to Liverpool and most importantly, fees-free.

How do we do it? Simple. Our experienced team work with – not against – your individual circumstances. Tell us about you and your requirements, and we’ll set you up with a dedicated Liverpool mortgage expert who’ll review every deal on the market and handle all proceedings on your behalf. No broker fee needed!


Sample Lenders

We’ve helped thousands of buyers across Liverpool secure their ideal home at no extra cost – whether buying for the first or fifth time. If you’re in search of an honest, fees-free mortgage broker with local knowledge, you’ve come to the right place.

Why Not Join Them?

Find Your Perfect Mortgage, Fees Free

We know that every single one of our clients is unique – meaning our mortgage offerings shouldn’t be ‘one size fits all’.

Our Liverpool mortgage brokers are on a mission to make mortgages fairer, faster, and fees-free – for everyone, from directors to first-time buyers. That’s why we offer whole of market mortgage services designed to meet the needs of anyone, anywhere.

First Time Buyer

Purchasing your first house should be fun, not frightening; and we’re here to help.

Learn More

Free Mortgage Advice

Get it right first time, for free. Avoid common pitfalls, and save money.

Learn More


Discover the advantages of financial flexibility with our dedicated remortgaging service.

Learn More

Buy to Let

Unlock the power of buy-to-let investment with the help of our mortgage experts and their fees-free assistance.

Learn More

Self Employed

Find and secure a mortgage deal tailored to your circumstances, whether you're a contactor, a director or self-employed.

Learn More

New Build

Our experienced new build mortgage brokers are the perfect partner for those looking to secure an off-plan option, big or small.

Learn More

Let to Buy

Convert and rent out your existing property, whilst taking out a standard mortgage on your new one.

Learn More

Mortgage in Principle

Ready to stake your claim as a serious buyer? A mortgage in principle is the perfect first step towards securing your ideal home. We’ll put together a comprehensive document accurately demonstrating your borrowing potential – helping put you in a good position to make an offer the seller can’t refuse.

Learn More

Mortgages Made Simple

Do you want to purchase a property but don’t know how much you can afford? Or perhaps you’re looking to calculate your mortgage repayments? Maybe you’re just not ready to apply yet? Whatever your situation, our simple mortgage calculators are here to help you crunch the numbers.

Fees Free Mortgage Advice

Your Best Fee Free Mortgage Broker in Liverpool

Unlike the industry ‘big boys’, Fees Free Mortgages is motivated by clients – not commission.

We’ll work hard to find and apply for the best mortgage deal for your individual circumstances; no strings attached. Best of all, our mortgage services are completely fees free!

100% Fees-Free

We’re different from other Liverpool mortgage brokers. Our team work on an entirely fees-free basis, meaning you’ll never be charged for mortgage advice, or for arrangement – regardless of your circumstances.

Real People, Great Service

We believe that the best brokers provide a personal touch – not outsourced calls and automated responses. With Fees Free Mortgages, you’ll be assigned an in-house personal broker and case manager, both of whom will be by your side throughout the process.

Unbiased Advice

With thousands of mortgage options available on the market, it’s highly unlikely that you’ll get the best deal from your bank. On the other hand, whole of market brokers without lender ties are able to offer a wide range of deals, accompanied by unbiased mortgage advice.

Regulated and Accountable

Selecting a mortgage broker is a big step in one of the most significant financial decisions of your life – meaning it’s vital to ensure your final choice is trustworthy. Fees Free Mortgages are directly authorised by the FCA and are and fully accountable for the mortgage advice we give.

Dedicated Contact

We promise to handle all the hard work, meaning you can sit back and relax until your mortgage completes, whilst your dedicated broker and case manager keep you in the loop. With us, you’ll always be fully informed on the stage and details of your application.

Local Knowledge

We believe everyone should have access to free, unbiased mortgage advice and brokerage – and know the Liverpool market well. Team up with our specialists, and we’ll leave no stone unturned, using our local knowledge and mortgage know-how to secure the best possible deal.

Don’t Take Our Word For It

Discover our clients’ mortgage success stories.

I had so many questions and unknowns about buying my first home but none of them were too silly for Martin to answer. He helped me with finding the mortgage lender that suited me and did all the paperwork upfront, so to make everything run smoothly later on. He advised me with insurance and gave me me guidance and updates every step of the way. For me, Martin made buying my first home an exciting experience, not a stressful one and I would recommend him every time. Thank you.

Rachael Parnell

First Time Buyer Mortgage


Martin Bright has been exceptional throughout a long and convoluted process. After three attempts at securing a house (and three mortgage searches), Martin was patient and professional, always happy to help and always finding a better deal than I thought possible. He explains things clearly and puts forward his thoughts and justifications in a very considered way. I have a 5yr fix at 0.9%. Which beggars belief really! Fantastic outcome, brilliant service and a thoroughly nice chap all round. Wouldn’t hesitate to recommend, and I already have done to a couple of friends looking to secure their own mortgages.

Alex Prentice

First Time Buyer Mortgage


Martin and his team were always quick to respond from mortgage application through to completion. He provided valuable advice and insight throughout, especially during the economic downturn and rapid rises with interest rates, and secured us a great deal with a lightning fast turnaround. Also, Adelle made obtaining Life and Financial Protection insurance super easy – allowing us time to look through the deals she prepared and was always willing to explain complex or unfamiliar terms to us. When we end up moving house in the future – I’m sure I’ll be giving Fees Free Mortgages a call.

Daniel Percey

Free Mortgage Advice


For anyone buying a new home, looking to re-mortgage or interested in setting up life cover – then Martin is absolutely your man. My wife and I have been using Martin for the past 4-years for our mortgages, personal and business life cover, and I would never go else where. Martin offers a very personal and professional service, he is extremely knowledgeable, honest and consistent, and is always looking for the best option for his client. I would highly recommend, great guy.

Michael John Vingerhoets

Self Employed Mortgage


From First Searches to Approval 5 Simple Steps

We like to keep things fair and simple. With Fees Free Mortgages, you’ll never be charged for mortgage advice, broking, switching or processing - whether you’re buying for the first, or fifth time.

Learn More


Authorised By



Property and Mortgage News

Our team of industry-leading mortgage advisors in Liverpool are ready to assist you in your mortgage journey. For expert fees-free mortgage advice, or to discuss any of our services, please contact us using the contact form below, or visit us in our flagship branch, or reach out to your local advisor.

Get Started


Calculating your mortgage payments ‘by hand’ can be tricky – but isn’t impossible (though we thoroughly recommend using a dedicated online calculator to double-check your findings)! The equation you’ll need to follow is: Mortgage = P[i(1+i)^n] / [(1+i)^n-1] where p= principle amount, i = monthly interest rate, and n = the loan term in months.

If you need assistance determining any of the above figures, or would like to determine a more definite cost, contact Fees Free Mortgages’ friendly team of expert brokers in Liverpool for mortgage advice provided at no extra cost. We’ll be happy to help kickstart your journey towards unlocking your first or next home.

Though mortgage calculators provide some brilliant insight into general costs, they can only be as accurate as the information they receive. Many online calculators are designed to provide an estimate – excluding fields and information such as property tax and insurance for the sake of brevity and simplicity. These ‘additional’ elements can have a huge impact on the figures calculated – meaning it’s hugely important to consult a reliable mortgage broker to determine exact costs after ascertaining a relative figure from an online calculator.

The Fees Free Mortgages team in Liverpool highly recommend using one of all of the above mortgage calculators to approximate a figure before booking a free, no-obligation consultation in which a more accurate set of costs can be set.

In short, a mortgage offer with a multiple of 6 can be relatively difficult to come by in the UK these days – with the average offer sitting at between 3 and 4.5. With this being said, for those who meet the necessary lending criteria and affordability checks, such a loan is possible to secure – with the exact multiple offered being determined by a number of factors including income, LTV, credit history, age, and career type.

Our mortgage borrowing calculator above will be able to offer you a general level of insight into how much you may be able to borrow – but isn’t a guarantee. If you’d like to establish how much you’ll be able to borrow with a MIP, or begin your mortgaging journey, get in contact with Fees Free Mortgages today.

In short, mortgage calculators are only as reliable/accurate as the information they receive. Whilst one mortgage calculator may take into account additional elements such as property tax, other more simple options may require only amount, interest rate, and mortgage period. Naturally, the resulting figures will differ.

Whilst online calculators are a great way to gain some general insight into your mortgage costs, they’re never guaranteed to be completely accurate for this reason. Our experts highly recommend treating their results as a rough affordability guide. If you’re in need of a more accurate affordability/cost calculation, reach out to our friendly, expert team for 100% free mortgage advice.

As every first-time buyer’s circumstances are unique, there’s no set figure as to how much they can borrow as an entire demographic. The amount you’ll personally be able to afford is dependent on a number of factors, including (but not limited to) the size of your deposit, any first-time buyer schemes used, your chosen bank/building society, and more.

If you’d like to discover a simple estimate of how much you could afford to borrow as a first-time buyer, feel free to use our quick online calculator above. To determine a more accurate figure, please reach out to the Fees Free Mortgages team in Liverpool for a no-obligation consultation or free mortgage advice session.