If you need individual mortgage advice, make McCaffreys your first port of call

When you decide to buy a property, it’s likely to be one of the most important steps you take in your entire life. So, it’s important to speak to a first-class team of mortgage advisors who can guarantee you impartial advice from Day 1.

McCaffreys can help everyone from first-time buyers and people who are looking to remortgage their existing home to those who need independent advice on buy to let mortgage deals or purchasing a second home.

What we offer at McCaffrey Mortgage Centre

First Time Buyer

As a first-time buyer, you’re likely to want extra reassurance that you’re in the safest of hands. And, when you use McCaffreys, our mortgage advisors will ensure that the mortgage process is as navigable as possible.

We suggest that you take a family member or friend along to each property viewing so that they can use their experience to fill your knowledge gaps, as well as find out as much as possible about transport in the area, council tax fees, and local amenities.

Remortgage

Our mortgage advisors are highly experienced in remortgages. So, whether you’re looking to switch to another lender to get a better rate or to consolidate debts, get in touch. It’s important to be aware that you may have to pay for solicitor’s fees and a property valuation or early repayment charges should you move providers. In some instances, you can avoid these costs by switching your current deal with your existing lender.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered. It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage, you should think carefully before securing other debts against your home. There are other ways to manage debt such as free debt advice charities, you can find out more by contacting the Money Advice Service  these services may be more suitable for you.

Buy to let mortgage

People seeking a buy to let mortgage can rest assured that our team of qualified experts will make taking on a property to rent out a much simpler and less stressful process. While there’s no guarantee that buying a property to let is risk-free or financially lucrative, many landlords across the UK have enjoyed significant cash returns and increases in property prices.

A buy to let mortgage differs from a standard mortgage in three key ways. A larger deposit (N.B., on average, 20% to 25% of the property’s value) is required; slightly higher interest rates apply, and your eligibility for a mortgage usually takes into account not only your current income, but also how much rent you will potentially earn.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages.

Finding the right mortgage

Our Mortgage Finder tool lets you track down some of the best mortgage deals on the market. Simply enter a few details such as the property value, deposit amount, mortgage type, purpose, and mortgage term, and we’ll show you the closest available matches.

Getting the best mortgage deals has never been so easy!

We also offer a comparison tool that helps you compare the different providers alongside important information like the initial rate, reverting rate, APRC, set up fees, and estimated monthly repayments.

Mortgage Finder

This information does not contain all of the details you need to choose a mortgage. please consult a qualified adviser before undertaking any borrowing


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Mortgage Finder

This information does not contain all of the details you need to choose a mortgage. please consult a qualified adviser before undertaking any borrowing


Choose your amount

All charges are communicated up front in writing along with the mortgage quotation.

Enjoy great rates

Our mortgage rates and charges are very attractive.

Decide your term

Choose the best mortgage term to suit you and you needs.

Frequently Ask Questions

Yes, there are different ways off paying off your mortgage early. Please contact us for an appointment to go through your options.

Yes, we have a range of products available. Please contact us for an appointment to go through your options.

We are a local business located in Widnes town centre. We also cover all surrounding areas.

  • St Helens
  • Warrington
  • Rainhill

Please contact us for an appointment to go through what we can offer.

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