Ethan Mercer, Liverpool's mortgage and protection expert
Mortgage advice in Liverpool that tells you straight
I'm Ethan Mercer. I help first-time buyers, self-employed people and home movers work out what they can really afford, then arrange the mortgage and protection to match. My aim is a straight answer from the first conversation, even if that answer is “you're fine where you are”.
Who I help
First-time buyers
You don't need to know where to start. That's my job.
Read more about first-time buyersSelf-employed
Sole trader, director or contractor, I can show you how a lender is likely to read your income before anyone applies.
Read more about self-employedMoving home
Keep your current deal, borrow more on top, or start fresh. We can look at both sides before you decide.
Read more about moving homeRemortgaging
Your deal is ending or you want to borrow more. Sometimes the right answer is to stay put.
Read more about remortgagingBuy-to-let
The lender cares more about the rent than your salary. I can explain what that means for your numbers.
Read more about buy-to-letAdverse credit
Missed payments, a default or a CCJ in your past don't always rule a mortgage out. It depends on what happened and how long ago, and I'll tell you honestly where you stand.
Read more about adverse creditProtection
The mortgage protects the lender. This is the part that protects you.
Read more about protectionHow I work
Six things I aim for on every case.
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A reply within one working day
I aim to reply within one working day. It's usually a lot sooner, usually on WhatsApp.
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Honest about affordability from the first call
I'll give you a view of what's realistic before you fall for the house, rather than after. If the answer is “you're fine where you are”, I'll say so.
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A decision in principle before you view
A decision in principle is a lender's written view of roughly what they'd lend you. Where possible I arrange yours on verified income before you start viewing, so an offer carries more weight when it counts.
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A written update every Friday
I aim to send a written update every Friday on every live case, whether or not anything has moved, so you shouldn't need to chase.
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One point of contact
Me, from the first call through to your application, then my dedicated administrator alongside me through to completion, so you know who's dealing with what.
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You always choose
I explain, you decide. There's no pressure, and if the answer is no, that's fine.
Straight from clients
Rated on Feefo through Mortgage Advice Bureau. Read the reviews.
“No pressure, clear communication, made things super easy to understand as we are first time buyers.”
“He spoke at a level we both understood and if we was abit confused on some parts he would take the time and help us understand what was required.”
Where I work
I'm based in Liverpool and work across Merseyside: South Liverpool and Allerton, Bootle, Prescot and everywhere in between, where we can meet face to face. If you're anywhere else in the UK, we can do a Zoom or WhatsApp call instead.
Estate agents and employers
Most of my clients come to me through the agent selling them a house or the place they work. There's a page for each.
Three guides, nothing you don't need
Your First Home for first-time buyers. Your Next Home for anyone moving. Your First Buy-to-Let for a first investment property. Each is a short PDF that arrives the moment you ask for it and explains how things generally work, so our first conversation starts further along.
Contact details
07511 083445, call or WhatsApp. ethan@mercer.mortgage. Monday to Friday 9am to 6pm, Saturday 10am to 2pm, with evening and weekend appointments by arrangement.