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Pioneer Mortgage and Protection Limited

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Pioneer Mortgage and Protection Limited

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Mortgages can seem daunting and hard to talk about, you need advice that is unbiased & honest. With

02/11/2026

Another lovely Google review for the Pioneer team! ⭐🏡

Thank you for taking the time to share your experience. Feedback like this means so much to our team!

31/10/2026

Happy Halloween!

30/10/2026

Big plans start with the right advice. 🏡

At Pioneer, we believe mortgage advice should be straightforward, personal and tailored to you.

No confusing jargon, no unnecessary complications. Just a friendly, experienced team helping you make informed decisions with confidence.

Whatever your next step looks like, we're here to help you get there. 🤝

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

29/10/2026

Autumn Budget 2026: What does it mean for the housing market?

Yesterday's Budget brought several announcements for first-time buyers, homeowners and landlords. Here are some of the key updates.

🏠 Stamp Duty – No changes to the main Stamp Duty thresholds for homebuyers.

🔑 Your First Home Scheme – A new scheme will allow eligible first-time buyers in England to purchase a new-build property with a deposit as low as 2.5%, supported by a 20% government equity loan. The scheme is expected to begin issuing loans from April 2027.

💷 First Time Buyer ISA – From April 2029, a new ISA will replace the Lifetime ISA for new savers, offering a 25% government bonus towards a qualifying first home purchase.

🏘️ Landlords – Income tax rates on property income will increase by 2 percentage points from April 2027 in England, Wales and Northern Ireland.

These changes could create new opportunities for some buyers, but understanding eligibility, affordability and the long-term costs remains important.

At Pioneer, we can help you understand your mortgage options and what the latest announcements could mean for your next move.

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

Source: https://www.gov.uk/government/publications/budget-2026-document/budget-2026-html

28/10/2026

Research suggests that many buyers’ priorities have shifted, as they no longer look for properties requiring major renovation.

A survey found that 53% of buyers would not take on a property that needed major work. Meanwhile, only 6% said they would actively look for a property that needs renovation. Some (41%) buyers were willing to consider taking on a project, provided that the asking price was reflective of the work that was required.

First-time buyers (FTBs) have traditionally been attracted to fixer-upper properties because they offer a way to buy in a preferred location at a lower price. According to Nationwide, this is because it can enable new homeowners to buy in their preferred location and shape the home to their own taste. However, the survey by LRG indicates that FTB behaviour is changing, with only 5% saying they would seek out a home that needs renovating. The typical renovation project costs £85,000 or more, with 75% of FTBs carrying out more DIY on their new home than expected. The findings suggest that buyers may still be willing to renovate but are increasingly looking for the purchase price to reflect the cost and effort involved.

We can help you – get in touch for mortgage advice.

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

Sources:
https://thenegotiator.co.uk/news/uk-housing-market-news/no-desire-for-doer-uppers-as-buyers-seek-certainty/
https://thepropertyai.co.uk/property-news/buyers-turn-away-from-renovation-projects-lrg-survey-finds?utm_source=chatgpt.com

Photo by Roselyn Tirado on Unsplash

26/10/2026

Think you can't get a mortgage because you have a default or CCJ? Think again! 🏡
Having a less-than-perfect credit history doesn't automatically mean you can't get a mortgage.
Speak to Pioneer to explore your options. 💬
Your home may be repossessed if you do not keep up repayments on your mortgage.

24/10/2026

Research suggests that many parents with children under 18 don't have adequate financial protection in place, potentially leaving their families vulnerable if illness or injury prevents them from working.

A recent survey found that 32% of parents could cover essential expenses for less than three months if their income stopped. Their biggest concerns included paying household bills (50%), keeping up with mortgage or rent payments (49%) and affording everyday necessities (46%).

Despite these worries, many parents remain unprotected. While 37% considered income protection after having children, only 18% took out a policy.

Relying on savings alone may not be enough, with 31% of respondents having less than £3,000 to fall back on.

Although some parents worry about affordability, protection policies can be tailored to suit different needs and budgets. Speaking to a professional adviser can help you understand your options.

With so much to think about as a parent, protecting your family's financial future shouldn't be overlooked. Get in touch to discuss your options.

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

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

Sources:

https://protectionreporter.co.uk/one-in-three-parents-lack-protection-for-income-shock.html

https://www.vitality.co.uk/media/new-research-suggests-income-shock-could-push-one-in-three-parents-into-hardship-within-three-months/

Photo by Lawrence Crayton on Unsplash

23/10/2026

Mortgage advisers, is it time for a change? 👀

Fed up of 9-5? Pressured to hit targets?

We are looking for mortgage advisers to join Team Pioneer in Formby and Liverpool.

With the opportunity to build your own business, work remotely and benefit from uncapped earning potential, this could be the fresh start you have been looking for.

Interested? DM us for a confidential chat.

21/10/2026

Whether you’re going on holiday or just heading out for the day, there are simple steps you can take to protect your home from burglars.

Between March 2024 and March 2025, 245,284 burglaries were reported in England and Wales. With darker evenings approaching, taking a few precautions can help deter opportunistic thieves.

Smart video doorbells allow you to monitor activity outside your home remotely, while smart lightbulbs can be scheduled to switch on and off, making your property appear occupied.

Traditional security measures are just as important. Always set your burglar alarm, lock windows and doors, and keep valuables out of sight. If you're going away, consider asking a neighbour to park on your driveway or move your bins.

Make sure ladders and tools are securely stored and avoid leaving spare keys in obvious hiding places.

If a burglary does occur, having the right insurance can make a difference. Buildings insurance typically covers insured structural damage, while contents insurance can cover stolen belongings. High-value items may require additional protection, so it's worth checking your policy.

Not sure if your home insurance provides enough cover? Get in touch to review your options.

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

Sources:
https://www.which.co.uk/news/article/10-tips-to-keep-your-home-safe-while-you-are-away-aF8t63i4fRA9
https://www.ons.gov.uk/peoplepopulationandcommunity/crimeandjustice/bulletins/crimeinenglandandwales/yearendingmarch2025?utm_source=chatgpt.com

Photo by Sarah Brown on Unsplash

19/10/2026

First-time buyers, know your budget before you start house hunting!
Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

17 Duke Street
Liverpool
L374AN

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441704338899

Website

https://pioneermortgage.co.uk/

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