CH Mortgages

CH Mortgages Experienced whole of market mortgage and protection brokers covering The Wirral, Chester & North Wales

Many families only think about protection after something happens.But the real value is having it in place beforehand.Pr...
08/09/2026

Many families only think about protection after something happens.

But the real value is having it in place beforehand.

Protection policies are designed to help support you financially if life takes an unexpected turn.

It’s about protecting the lifestyle you’ve worked hard to build.

And the people who matter most.



As with all insurance policies, conditions and exclusions will apply.

“What happens if I’m declined?”First — it’s not the end.Declines usually have reasons:• Credit profile• Affordability ca...
03/09/2026

“What happens if I’m declined?”

First — it’s not the end.

Declines usually have reasons:

• Credit profile
• Affordability calculation
• Documentation gaps

Understanding why matters more than the decline itself.

We assess before applying wherever possible — reducing the risk of surprises.

Setbacks are information, not failure.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Buying your first home can feel like learning a new language.Agreement in principle.Loan to value.Affordability checks.I...
01/09/2026

Buying your first home can feel like learning a new language.

Agreement in principle.
Loan to value.
Affordability checks.
It’s a lot.

But once someone explains what it all means, the process suddenly becomes far less intimidating.

That’s why guidance can make such a difference.



Your home may be repossessed if you do not keep up repayments on your mortgage.

“Can I use a gifted deposit?”Family support is more common than ever.Yes — gifted deposits are accepted by many lenders....
27/08/2026

“Can I use a gifted deposit?”

Family support is more common than ever.

Yes — gifted deposits are accepted by many lenders.

But there are rules:

• It must usually be a genuine gift
• The source needs verifying
• Paperwork is required

Handled properly, it can be the boost that gets you onto the ladder sooner.

Support isn’t cheating. It’s teamwork.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Ever wondered what lenders actually look at?It’s not just your income.They look at things like:• spending habits• existi...
25/08/2026

Ever wondered what lenders actually look at?
It’s not just your income.

They look at things like:
• spending habits
• existing credit commitments
• deposit size
• overall affordability

Understanding this early can make the whole process much smoother.

And sometimes the smallest changes can make a big difference.



Your home may be repossessed if you do not keep up repayments on your mortgage.

“Should I get a mortgage agreement in principle first?”In short — yes.It shows estate agents you’re serious.It gives you...
20/08/2026

“Should I get a mortgage agreement in principle first?”

In short — yes.

It shows estate agents you’re serious.
It gives you clarity on budget.

And it highlights issues early, not halfway through a purchase.

Think of it as your confidence booster before house hunting.

Preparation isn’t pressure. It’s power.



Your home may be repossessed if you do not keep up repayments on your mortgage.

One of the most common questions we hear…Should we wait before buying?The honest answer?There’s rarely a perfect time.Ma...
18/08/2026

One of the most common questions we hear…

Should we wait before buying?
The honest answer?

There’s rarely a perfect time.
Markets change.
Circumstances change.

What matters most is whether buying fits your personal situation and long term plans.

That’s why conversations matter more than predictions.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Protecting your income is often overlooked.Many people insure their phone.Their car.Their holiday.But their income? Not ...
13/08/2026

Protecting your income is often overlooked.

Many people insure their phone.
Their car.
Their holiday.
But their income? Not always.

Yet your income is what keeps everything else running.

Mortgage payments.
Household bills.
Family life.

It’s one of the most important things to think about.



As with all insurance policies, conditions and exclusions will apply.

Thinking about moving but not sure if you can afford it?You’re not alone.Many families assume they can’t move until they...
11/08/2026

Thinking about moving but not sure if you can afford it?

You’re not alone.
Many families assume they can’t move until they speak to an adviser.

But often the biggest surprise is discovering what’s actually possible.

Whether it’s using equity from your current home or understanding what lenders may offer, having a conversation early can open more doors than you might expect.

Sometimes the move you’ve been dreaming about is closer than you think.



Your home may be repossessed if you do not keep up repayments on your mortgage.

The moment you get your mortgage offer…It’s a feeling most buyers never forget.Relief.Excitement.A little disbelief.Beca...
06/08/2026

The moment you get your mortgage offer…

It’s a feeling most buyers never forget.
Relief.
Excitement.
A little disbelief.

Because suddenly the home you imagined starts to feel real.

Helping people reach that moment is honestly one of the best parts of what we do.



Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

2A Victoria House
Birkenhead
CH435TH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 7pm
Wednesday 9am - 7pm
Thursday 9am - 7pm
Friday 9am - 4pm
Saturday 9am - 5pm

Telephone

+447380495546

Website

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