43 Telegraph Road, Heswall, Wirral, CH60 0AD
0151 342 3084

About Us

Independent Mortgage Advisers

Concept Mortgages are an Independent Mortgage Advice firm that was launched in the Summer of 2006 and is based in Heswall town centre on the west coast of the beautiful Wirral Peninsular.

This short video shows some recent drone footage from outside our high street offices.

Contact Us

Concept Mortgages is situated in the heart of the community that it serves but works with clients the length and breath of the country.

We specialise in residential and buy-to-let mortgage advice and can help first time buyers, people moving home and property investors. We also assist existing borrowers looking to remortgage for a better product or wanting to raise additional finance.

The prospect of obtaining a mortgage can sometimes be an intimidating and confusing process, but we strive to provide clarity and guidance through the myriad of options available.

We do much more than advising and arranging your mortgage, we will also offer guidance on the home buying process liaising with Estate Agents, Solicitors and Surveyors to make the path to your new home as stress free as possible.

Get a Mortgage Quote

We offer appointments over the phone via Zoom or face-to-face.

We also provide a secure client portal for document uploads which is available 24/7 and acts a document store for your mortgage and insurance related documentation.

No more searching through drawers for your paperwork, it will be on hand when you need it.

Request a Callback

Our Speciality

We are specialist mortgage and insurance brokers and shown below are some of the areas in which we help you. 


Please find some of the circumstances we can help in:

• First Time Buyer Mortgage
• Upsizing or Downsizing
• Remortgage for a better rate
• Divorce or split with partner
• Impaired Credit
• Zero Hours Contracts
• Capital-raising for home improvements
• Debt Consolidation
• Buy-to-Let
• Let-to-Buy Mortgages
• House of Multiple Occupancy (HMO)
• Multi-unit and Student Let
• Let-to-Buy Mortgages
• Portfolio Landlords
• Retirement Interest Only Mortgages (RIO)

Get a Mortgage Quote

Protecting your loved ones and property is also an important part of the financial planning involved with arranging a mortgage.

Our Protection Specialists can advise and arrange the following:

• Buildings & Contents Insurance
• Landlords Insurance
• Life Cover
• Critical Illness
• Income Protection – Permanent Health Income (PHI)
• Relevant Life Cover for Limited Company Directors
• Family Income Benefit

Get an Insurance Quote

Contact Us

Simply fill in the form below or call us on 0151 342 3084 and one of our team will be on hand to help and advise you.

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