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MAIN - Mortgage and Insurance Needs West Kirby

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MAIN - Mortgage and Insurance Needs West Kirby

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20+ Years in Business

No.1 Broker in the U.K. in the Primis Mortgage Network 🏆 2025

Helping thousands of clients home buying dreams become a reality 🏡

03/11/2026

October in Review at M.A.I.N 📆

Another brilliant month helping our clients with mortgages, protection and estate planning. Swipe for the figures! 👈🏼

Key highlights from October 👇🏼

🏡 101 Mortgages Secured
✅ Over £22 million in lending
Helping more clients take the next step towards their property goals.

♥️ 83 Life Insurance Policies Secured
✅ 83 families and households protected
Providing peace of mind and financial security for the future.

📜 48 Wills Arranged
Helping clients put the right plans in place to protect their wishes and their loved ones.

⭐ 640 5-Star Google Reviews and counting… and we couldn’t be more grateful to every client who has taken the time to leave us a review.

A massive thank you to everyone who continues to trust, recommend and support the M.A.I.N team. 💙

02/11/2026

Happy 5 Years at MAIN, Rich! 🥳

Today we’re celebrating 5 years of Rich being part of the MAIN team! 👏🏼

Over the past five years, Rich has become an integral part of the business, progressing into his current role as Head of Mortgage Compliance & Department Training Coordinator.

From supporting our advisers to maintaining high standards across the business and helping the team develop, Rich plays a huge role in keeping everything running smoothly behind the scenes.

Thank you for all your hard work, dedication and everything you bring to MAIN

31/10/2026

We survived the 2008 credit crunch. But it nearly changed everything. 📉

After three successful years of growing MAIN, business was booming. We were expanding, helping more clients and building something special.

Then, almost overnight, everything changed.

The credit crunch hit. Banks stopped lending, mortgage approvals became increasingly difficult, and suddenly only 1 in 10 deals we submitted were going through.

For a mortgage brokerage, it was an incredibly challenging time.

And it wasn’t over in a few months. The impact lasted for years.

In this clip, our founder Graham looks back at one of the toughest periods in MAIN’s history, how dramatically the mortgage market changed and what it was like trying to keep the business moving forward.

21 years later, we’re still here, doing what we’ve always done. Helping people move home, remortgage and protect their families. 🏡

Did you experience the 2008 credit crunch? We’d love to hear your memories in the comments. 👇

30/10/2026

Happy Halloween from Team MAIN 👻 🎃

29/10/2026

21 years of MAIN, and what better way to celebrate than bringing home TWO national industry awards! 🏆🥇

Back in March, our very own George Allsop was crowned PRIMIS Top Overall Adviser in the UK, ranking 1st out of over 2,600 advisers at the annual awards in London, hosted by Logan!

This award recognises the incredible number of clients George has successfully helped to buy, move or remortgage their homes, alongside helping families protect their futures, all while maintaining the highest standards of advice.

As a local, family-run business, we’ve always believed in the importance of personal, face-to-face advice and building lasting relationships with our clients.

To see that approach recognised on a national stage is something we’re incredibly proud of! 👏🏼

And that was only our FIRST award of the evening…

Stay tuned to find out what else we brought home! 👀🏆

29/10/2026

🚨 Landlords and savers, another tax increase is on the way!

In the Autumn Budget 2026, Chancellor John Healey announced a further 2 percentage point increase in tax on property and savings income from April 2027.

This comes on top of the 2 percentage point increase already announced last year.

📊 What does this mean for you?

From April 2027, the tax rates on property and savings income will be:

• Basic-rate taxpayers: 20% → 24%
• Higher-rate taxpayers: 40% → 44%
• Additional-rate taxpayers: 45% → 49%

🏡 For landlords: You’ll pay more tax on your taxable rental profits, potentially reducing the returns on buy-to-let investments.

💷 For savers: Interest earned on savings above your tax-free allowances could be subject to higher tax rates. Savings held within an ISA will remain tax-free.

To put it into perspective: A basic-rate taxpayer earning £10,000 in taxable rental profit could pay an additional £400 in income tax annually compared with today’s rates, before any applicable tax reliefs.

These changes won’t come into effect until 6 April 2027, but they’re worth considering now, particularly if you own a buy-to-let property or are looking to invest.

28/10/2026

All that build-up for the Autumn Budget… and we were expecting a bit more to talk about! 😂🏡

After weeks of speculation about the housing market, there weren’t many major changes for homeowners or those looking to move.

But there are a few updates worth knowing 👇

🏡 Stamp Duty: No changes to the existing rates or thresholds for homebuyers.

🔑 First-Time Buyers: The new ‘Your First Home’ scheme has been confirmed, allowing eligible buyers to purchase a new-build property with a deposit as low as 2.5%, supported by a 20% government equity loan. Applications are expected to open in February 2027.

💷 First-Time Buyer ISA: A new ISA will replace the Lifetime ISA for new savers from April 2029, retaining the 25% government bonus.

🏠 Landlords: Income tax rates on rental income will increase by 2 percentage points from April 2027.

So, no major shake-up for the wider mortgage or housing market, but a few important developments to keep an eye on!

If you’re thinking about buying your first home, moving or remortgaging, we’re here to help.

Click the link in our bio to get started. 🔗

26/10/2026

🏡 Autumn Budget 2026: What could it mean for the U.K. property market? 🇬🇧

With the Autumn Budget just around the corner on Wednesday 28th October, speculation is growing over what changes could be coming for homeowners, first-time buyers and landlords.

From potential changes to Capital Gains Tax and property taxes to possible support for first-time buyers, there’s plenty to keep an eye on! 👀

⚠️ Remember, these are predictions and rumours, not confirmed announcements.

At MAIN, we’ll be keeping a close eye on the Budget and providing you with an update on Wednesday, breaking down the key announcements and what they could mean for you and your mortgage.

📲 Save this reel and follow us for the latest mortgage and property market updates!

24/10/2026

🏡🔑 Mortgages can feel like a whole new language, but we’re here to make things simple!

From AIPs to LTVs, there’s plenty of mortgage jargon you’ll come across on your journey to getting the keys. 🔑

We’ve broken down 8 common mortgage terms to help you understand exactly what they mean and feel more confident when buying your home.

💬 Got a mortgage question or a term you’re unsure about? Drop it in the comments or send us a DM. Our team is always happy to help!

📲 Ready to get started? Click the link in our bio to speak to one of our mortgage experts.

23/10/2026

One accident could change everything. Could you afford to lose your income? 💭

A simple fall on the stairs. A broken leg. 14 operations later, and five years unable to return to work.

It’s a real-life story that highlights just how important Income Protection can be.

Thankfully, she had the right cover in place, which continued to provide an income while she was unable to work.

Without it, her family could have been forced to sell their home.

💙 Income Protection isn’t just about serious illnesses. Sometimes, an everyday accident can have life-changing financial consequences.

You insure your home, your car and your belongings. But what about the income that pays for them all?

📲 Want to protect your income and your family’s financial future? Drop us a DM or click the link in our bio to speak to one of our advisers.

Income Protection policies are subject to terms, conditions and eligibility. Cover and payments depend on your individual policy.

Address

38 Grange Road
West Kirby
CH484EA

Opening Hours

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

Telephone

+441516255995

Website

https://www.mortgageandinsuranceneeds.com/

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