My Mortgage Brokers

Independent mortgage advice based in Cheshire

My Mortgage Brokers is a mortgage and protection advisory firm established in Cheshire, Wirral and South Manchester, serving clients across the UK. The company presents itself as a whole-of-market independent broker, meaning it is not limited to a restricted panel of lenders, and operates under the authorisation and supervision of the Financial Conduct Authority (FCA), with registration number 814758.

The company, My Mortgage Brokers Cheshire Ltd, is registered in England and Wales with number 11395070 and has its registered office at 24a Charles Street, Hoole, Chester, CH2 3AZ.

Mortgage services

The firm's offering covers various types of mortgage financing:

• Mortgages for home purchase.
• Remortgage or refinancing.
• Buy to Let, for rental investment.
• Offset mortgages.
• Equity Release / Lifetime Mortgage, to release capital from the home.
• New build mortgages.
• Bridging / short-term finance.
• Shared Ownership.

Protection and insurance

In addition to financing, the company advises on personal and asset protection products:

• Life insurance.
• Critical Illness cover.
• Income Protection.
• Trusts, for the planning and management of protection products.
• Family Income Benefit.
• Home insurance, with buildings and contents cover.
• Landlords Insurance.

How we work

The firm describes a three-step advice process: getting to know the client and their needs, searching for the most suitable product, and presenting the solution. The client relationship is at the heart of its approach, with the stated aim of providing transparent, jargon-free advice.

The service goes beyond simple mortgage brokerage: it includes guidance on the home buying process and coordination with estate agents, solicitors and surveyors to facilitate the transaction.

Service and tools

The team advises by phone, virtually or in face-to-face meetings, which require a prior appointment. The company offers users a Mortgage Finder and a Mortgage Calculator as research tools. It also offers the option to schedule a call or leave contact details for the team to get in touch with the interested party.

Structure and team

The firm has two directors, Adrian Richardson and Christopher Collins, who have more than 60 years of combined experience in the financial services sector. Both previously worked in the corporate world, where they were restricted to offering advice from a limited panel of lenders and insurers, and founded the company with the aim of putting the client at the heart of the business. Another section of the site also mentions a third director, Geraldine Hardman.

Offices

My Mortgage Brokers has two offices: one in Chester, in the county of Cheshire, and another in Little Sutton, in Wirral. The firm states that it serves clients nationwide.

Regulatory warnings

The site includes the usual industry warnings: your home or property may be repossessed if you do not keep up repayments; if you remortgage, an early repayment charge may apply from your existing lender; and broker and administration fees may be payable, the amount of which depends on your circumstances and will be explained at your initial appointment. The company offers the Financial Ombudsman Service for the resolution of complaints or disputes.

Locations and premises

Local Cheshire Office: 24A Charles Street, Hoole, Chester, Cheshire, CH2 3AZ

Local Wirral Office: 388 Chester Road, Little Sutton, Chester, Cheshire, CH66 3RA