Neal Hayes Mortgages Ltd

Neal Hayes Mortgages Ltd - Warrington Broker | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Neal Hayes Mortgages Ltd

At Neal Hayes Mortgages Ltd, I specialise in guiding clients through the often complex landscape of property finance. Based in Frodsham, my expertise extends across a range of mortgage options, including Buy-to-Let properties, First-Time Buyers, Remortgages, and Residential mortgages. Each category presents unique challenges and opportunities, and I take pride in equipping my clients with the knowledge they need to make informed decisions. Understanding that every client’s situation is distinct, I adopt a consultative approach. I begin with a comprehensive assessment of your financial circumstances and long-term goals, ensuring that we identify the most suitable mortgage products. Whether you are a first-time buyer navigating the market for the first time or a seasoned investor looking to expand your portfolio, my aim is to simplify the process for you. For First-Time Buyers, I provide insights into the various schemes available, including Help to Buy and shared ownership options, which can make homeownership more accessible. I recognise the emotional and financial significance of purchasing a first home, and I am here to support you every step of the way. In the realm of Buy-to-Let, I understand the intricacies involved, from rental yields to tax implications. I can guide you through selecting the right mortgage that aligns with your investment strategy, helping you maximise your portfolio’s potential. Remortgaging can often feel daunting, but I help clients navigate this process smoothly. Whether you’re looking to secure a better interest rate or release equity from your home for renovations or other investments, I will work to ensure you understand your options and make a decision that benefits your financial future. By focusing on clear communication and transparency, I aim to make the mortgage process straightforward and less stressful. I am genuinely passionate about empowering my clients with the tools they need to achieve their property ambitions.

Specialisations

Buy-to-Let

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(201 reviews)

Gareth Ellis

1 Mar 2026

Mike at Neal Hayes was recommended to us after our existing mortgage advisor had spent several months telling us our mortgage requirement was nearly impossible to achieve (I am self employed / company director). Mike immediately overcame the roadblocks that defeated the previous intermediary and the mortgage was completed with the money transferred in just over a week. Excellent communications, including out of hours. A remarkable service in all aspects. Very highly recommended, by very grateful customers. Hats off also to Halifax Building Society and Optima Legal for a very sharp performances.

Denholm

17 Feb 2026

Great experience, couldn't recommend more! We had previously used an IFA but have found using a dedicated mortgage broker to be so much more valuable — they were proactive, looked after the whole process and explained everything clearly the whole way through. In the end we saved over £200 a month, 4 months earlier than we thought we could renegotiate! Thanks Mike and team!

Chesqua

15 Jan 2026

As a first-time buyer, I was extremely anxious about getting a mortgage, especially being self-employed but Mike was absolutely fantastic from start to finish. He handled everything seamlessly and was always prompt, approachable, and incredibly easy to deal with. He even came to our house for a coffee, took the time to explain every detail clearly, and completely put my mind at ease throughout the entire process. His reassurance and support made what felt overwhelming feel manageable and stress-free. Hopefully, we won’t be buying another home anytime soon, but we will 100% be recommending Mike to everyone we know. Thank you so much for everything!

Caitlin Ditchfield

5 Dec 2025

Me and my boyfriend used Neal Hayes Mortgages when buying our first home, after being highly recommended by a friend. We worked with Neal and he made the whole process so easy from start to finish, and he went above and beyond to make sure we got the best deal. He was always contactable and happy to help whenever we had any questions or issues. We are very grateful and couldn’t recommend Neal enough!

Mathew Reid

1 Dec 2025

We recently used Carl from Neal hayes to complete our remortgage process. We had a very short turnaround time we had to abide by and Carl made sure this was a possibility. Couldn’t recommend Carl enough, will use him at every opportunity going forward and wouldn’t think twice about recommending Carl to family and friends! Great service and always friendly and happy to help!