Elliot Skinner – Mortgage Broker in Prescot, Lancashire

Elliot Skinner is a mortgage broker based in Prescot, Lancashire, advising clients through Specialist 1st Limited. He provides structured and responsible mortgage advice across residential property, buy-to-let investments, HMOs, limited company mortgages, bridging finance, second-charge mortgages, and general insurance.

Elliot works with homeowners, landlords and property investors who require clear guidance aligned with UK lending criteria and regulatory standards. Every recommendation is based on suitability, affordability and individual circumstances.

Advice is delivered with transparency, ensuring clients understand the options available before making financial commitments.

Mortgage Advice in Prescot and Across Lancashire

If you are searching for a mortgage broker in Prescot, it is important to work with an adviser who takes the time to assess your full financial position before making recommendations.

Elliot supports:

• First-time buyers entering the property market
• Home movers purchasing a new main residence
• Landlords expanding or refinancing rental portfolios
• Limited company directors purchasing investment property
• Clients considering second charge borrowing
• Investors requiring bridging finance for time-sensitive transactions

Each case is assessed individually. Approval is subject to the lender’s underwriting and criteria.

How Mortgage Advice Is Delivered

The process begins with a detailed fact find to understand your financial circumstances and objectives.

This includes:

• Reviewing income, expenditure and credit history
• Assessing affordability in line with current lender criteria
• Explaining mortgage types and repayment structures
• Outlining potential costs and fees
• Supporting communication with lenders and relevant professionals

Clear explanations are provided throughout the process. Clients are encouraged to ask questions to make informed decisions.

Areas of Expertise

• Residential Mortgages: Advice for first-time buyers, home movers and those remortgaging their main residence.
• Buy-to-Let Mortgages: Support for landlords purchasing or refinancing rental property. Tax treatment depends on individual circumstances and may change.
• HMO Mortgages: Guidance for landlords financing Houses in Multiple Occupation, subject to lender criteria and local authority requirements.
• Limited Company Mortgages: Advice for directors purchasing investment property through a limited company structure.
• Bridging Finance: Short-term lending solutions where appropriate, often used for auction purchases or time-sensitive completions.
• Second Charge Mortgages: Options for homeowners wishing to raise capital while retaining their existing mortgage product, subject to affordability and lender assessment.
• General Insurance: Insurance solutions designed to protect property and financial commitments.

Supporting a Range of Client Circumstances

Elliot has supported:

• Self-employed applicants
• Portfolio landlords
• Limited company directors
• Clients with complex income structures
• Homeowners reviewing monthly commitments

Advice is always tailored to the client’s objectives and financial profile. Outcomes cannot be guaranteed, and lending is subject to status.

Location and Availability

Based in Prescot, Lancashire, Elliot works with clients locally and across surrounding areas. Advice can also be delivered remotely where appropriate.

• St Helens
• Huyton
• Ormskirk
• Skelmersdale
• Rainhill
• Kirkby

Speak to Elliot Skinner

If you require mortgage advice in Prescot or elsewhere in Lancashire, an initial discussion can help clarify your options and next steps.

Mortgage advice should always be based on suitability, affordability and your long-term financial plans.