Get mortgage‑ready in 2026 (without the panic)
Planning to move or remortgage in the Wirral in 2026? Our clear, jargon-free guide shows how to review your finances, boost your deposit, and get mortgage-ready for a smoother application.
Mortgage Choice Hits an 18-Year High: Why Wirral Buyers and Remortgagers Should Jump In
Mortgage deals are at their highest levels since 2007, with more choice and lower rates than we’ve seen in years. Whether you’re buying your first home or looking to remortgage in the Wirral, now’s the time to see what’s out there - and discover how much you could save.
Shared Ownership Homes in the Wirral: First-Time Buyer Guide 2026
Thinking of buying your first home in the Wirral but struggling with the deposit? Shared ownership could be your stepping stone. This guide explains how it works, staircasing, repairs, and everything first-time buyers need to know in 2026.
Base rate cut to 3.75%: What it ACTUALLY means for your mortgage
The base rate has finally dropped below 4%, hitting 3.75% for the first time in nearly three years. But will your mortgage actually get cheaper? We break down the winners, the "priced-in" reality for fixed rates, and what Wirral homeowners should do next.
NG Mortgages featured across Sky News, FT Adviser, This Is Money, the Daily Express & What Mortgage
Big week at NG Mortgages! Our take on the mortgage price war has been picked up by Sky News, FT Adviser, This Is Money, the Daily Express, and What Mortgage. For a Wirral-based broker, seeing our insights reach a national audience is a nod that our “mortgages, simplified.” approach is hitting the mark.
Two-Year or Five-Year Fix: Which Mortgage Deal Makes Sense Right Now?
Two-year fixes are suddenly back on top - but does that mean they’re right for you? Here’s the straight-talking breakdown Wirral borrowers need right now.
How to Get a Mortgage When You’re Self-Employed
Being self-employed doesn’t have to make getting a mortgage harder. Our guide explains what lenders look for, how to prove your income, and tips for securing the best mortgage in the UK - perfect for freelancers, contractors, and business owners in Wirral.
Are Mortgage Rates Going Down? What Wirral Homebuyers Need to Know
Mortgage rates are easing - and lenders across the UK are trimming fixed deals to stay competitive. We’re not in prediction mode, but we can show you what’s happening, why rates are shifting, and what it means for first-time buyers and anyone planning ahead. mortgages, simplified.
Renovate or Relocate? Why Millions Are Choosing to Stay Put
Millions of UK homeowners are choosing to renovate rather than move. NG Mortgages explains why staying put, upgrading your home, and remortgaging makes sense in the Wirral.
Low-deposit mortgage rates hit a 3-year low: Finally, some good news for first-time buyers.
Low-deposit mortgage rates have dropped to their lowest levels since 2022 - brilliant news for first-time buyers and anyone about to remortgage. With lenders slashing rates and boosting choice, now could be the perfect time to lock in.
About time: Financial literacy to become compulsory in schools by 2028
Most people don’t learn how mortgages work until they need one.
So it’s great news that financial literacy will soon be taught in every school - helping the next generation make sense of money earlier.
(mortgages, simplified.)
HSBC Boosts Borrowing for Premier Customers - But Can You Really Afford It?
HSBC has increased borrowing for Premier customers, but bigger limits don’t always mean smarter choices. We break down what this change really means - and why affordability must come first.
UK House Prices Edge Up Again - Buyers Stay Calm Despite Budget Jitters
House prices have nudged up again - proof the market’s holding its nerve despite Budget whispers. Here’s what’s driving the rise, and what it means for Wirral buyers right now.
Mortgage Approvals Are Up - Buyers in the Wirral Aren’t Waiting Around
Mortgage approvals hit their highest level since December 2024, showing Wirral buyers are active despite upcoming tax changes. Find out what this means for first-time buyers and those remortgaging in Heswall, West Kirby, and Birkenhead.
First-Time Buyers Making Smart Sacrifices to Get on the Wirral Property Ladder
Wirral first-time buyers are being smart about getting on the property ladder—opting for smaller homes or new areas to make it work. Learn how early compromises can lead to your perfect home later.
Is Your Mortgage Deal About to End? Here’s What Wirral Homeowners Need to Know
Is your fixed-rate mortgage ending soon? Find out how Wirral homeowners can explore options, lock in a new rate early, and avoid surprise hikes. Mortgages, simplified.
Cut Through The Mortgage Waffle: Your FREE Mortgage Language Guide
The mortgage world’s full of jargon - so we’ve translated it. Download our free NG Mortgage Language Guide and finally understand what it all means.
When house prices sprint but wages walk
House prices are rising faster than wages on the Wirral, putting first time buyers under pressure. Discover how local property values compare to salaries and what it means for buyers today.