Wirral Mortgages. Without the Waffle.
First time buyers, home movers, remortgage hunters, landlords. Wirral, Merseyside, the UK. Whoever you are, wherever you are, the rules are the same: no waffle, no jargon, no headaches. Just straight answers.
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We’re not responsible for the content or privacy practices of external websites or apps.But don’t worry - we’ll only use your details to respond to your enquiry. If you’d prefer, you can always contact us through our website form instead.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
Mortgage advice that finally speaks human
Whether you’re a first-time buyer, moving up the ladder, remortgaging, or investing in property, we give advice that actually makes sense. No waffle. No hidden agendas. From our Wirral base, we help clients across the area -including Birkenhead, Wallasey, Bebington, and Heswall - and all over the UK cut through the noise and find a mortgage that actually fits: clear, honest, and built around you.
Mortgages, simplified.
Why Choose NG Mortgages?
✅ Clarity over confusion
We break down the complex stuff so you always know where you stand. No jargon, no guesswork.
✅ Tailored to you
Generic advice? Not here. Every recommendation is shaped around you and your goals.
✅ Wirral roots, national reach
Proudly local, helping clients across the UK get the mortgage that actually fits.
Mortgages. Made to Move With You.
Think of this as your mortgage menu. From first homes to buy to lets, here’s what’s on offer…
Your First Home, Simplified
Buying your first home? We break down your options, find the right deal, and guide you from viewing to keys in hand - no nonsense, no jargon.
Moving Made Manageable
Time for a new home? We’ll make your next move smooth, fast, and financially savvy - because moving home shouldn’t feel like rocket science.
Remortgages That Actually Work
Deal ending or just after a better rate? We make sure your remortgage is simple, clear, and built around your goals.
Invest with Confidence
Looking to grow your property portfolio? We help landlords - new and experienced - secure the right finance, without the fuss.
Want the Full Picture?
From first homes to remortgages and everything in between, explore our services to see how we can help.
Whoa! Don’t Forget Protection.
Sorting your mortgage is step one. Step two? Making sure you, your home, and your family are protected if life throws a curveball. From our Wirral base, we help clients across Merseyside and the UK get straightforward cover that actually makes sense - life insurance, critical illness cover, income protection, and home cover with no jargon and no hidden catches. Just clear advice and peace of mind.
Mortgages, Without the Mystery.
Buying your first home, moving house, or remortgaging doesn’t need to feel like rocket science. At NG Mortgages, we cut the waffle, not corners. You stay in the loop, you always know where you stand, and we guide you from start to finish. No jargon. No migraines. Just a clear process that actually makes sense.
Step 1. We Listen First
We start with a proper chat about your goals, whether you’re a first time buyer in Wirral, moving up the ladder, or remortgaging. You tell us what matters and we’ll tell you what’s realistic. Straight talk with no jargon.
Step 2. We Do the Digging
We search the mortgage market to find options that fit you. We compare lenders, explain the pros and cons, and give you the plain English version. That way you can make confident choices without the noise.
Step 3. We Handle the Hard Bit
Paperwork, lender calls, fine print. All the stuff that slows people down. We take it off your plate and keep you in the loop so you always know what’s happening without drowning in detail.
Step 4. We Guide You to the Finish
From mortgage application to moving into your new home, or switching to a better remortgage deal, we stick with you until it’s done. No disappearing acts. No radio silence. Just clarity all the way.
Step 5. We Don’t Stop There
Your mortgage is just step one. Step two is making sure you, your family, and your home are protected. From life insurance to income protection, we’ll help you put the right cover in place. Clear advice and no nasty surprises.
Ready to make your move?
First time buyer in Wirral? Moving up the ladder? Remortgaging or building a buy to let portfolio? Whatever your goal, we’ll cut the jargon and guide you through it with advice that actually makes sense.
‘Mortgages Deserved Better.’
and now a quick word from the guy who started all this…
'“I set up NG Mortgages because mortgages shouldn’t feel like a mystery. The process should be clear, simple, and something you feel in control of.
In more than 15 years of helping first time buyers, home movers and people remortgaging, I’ve learned what really matters is keeping it simple, speaking human and making sure you always feel supported.
That’s what NG Mortgages is about. Clear advice, jargon free guidance and a modern way of doing things that puts you in control. Whether it’s your first step on the ladder or your next big move, you’ll always know exactly where you stand.”
— Nick Gatti, Founder & Mortgage Adviser
The Mortgage Questions You Were Going to Google Anyway!
Got questions about mortgages? You’re not alone. From first time buyers in Wirral to remortgage clients across the UK, these are the ones we get asked most. Straight answers. Human language. No jargon.
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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.
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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.
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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.
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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.
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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.
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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.
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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.
Skip the Googling. Ask us instead.
Whether you’re a first time buyer in Wirral, looking to remortgage, or just figuring out your options, we’ll give you straight answers in human language. No jargon. No pressure. Just clear advice that makes sense.
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You’re about to leave the NG Mortgages website and head over to WhatsApp.
We’re not responsible for the content or privacy practices of external websites or apps.But don’t worry - we’ll only use your details to respond to your enquiry. If you’d prefer, you can always contact us through our website form instead.