Pioneer Mortgage and Protection Limited

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

Buying a home is one of the biggest financial commitments you can make, so it is important to think about how you and yo...
20/07/2026

Buying a home is one of the biggest financial commitments you can make, so it is important to think about how you and your family would cope if the unexpected happened. 🏡

At Pioneer, our team has years of experience arranging protection policies designed to help protect your life, income, home and lifestyle.

We take the time to understand your circumstances and explain your insurance options clearly, whether we meet virtually, face to face or over the phone.

Protection can go beyond simply covering your mortgage. It can also help support your family and maintain the lifestyle you have worked hard to build.

The cost of insurance depends on factors such as your age, where you live, your occupation and your personal circumstances.

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

House prices picked up in March, with annual growth rising to 2.2% according to Nationwide. This is an improvement on Fe...
18/07/2026

House prices picked up in March, with annual growth rising to 2.2% according to Nationwide. This is an improvement on February, when prices rose annually by 1.0%. The average house now costs £277,186.

In March, most UK regions saw modest increases in house prices, however the Outer South East and East Anglia both saw price declines. Meanwhile, Northern Ireland outperformed the rest of the UK, with annual growth of 9.5%. In England, the North West saw the strongest increase, with prices rising by 3.3% year-on-year. Interestingly, detached properties recorded the biggest annual growth, with a price increase of 2.4%. On the other hand, the value of flats has only increased by 15% since the start of 2020 – half the growth seen in detached properties.

Source: https://www.mortgagestrategy.co.uk/news/annual-house-price-growth-up-2-2-in-march-nationwide/

https://www.nationwide.co.uk/media/hpi/reports/uk-house-price-growth-picks-up-in-march

Thinking about remortgaging? 🏡Whether you want to secure a better rate, reduce your monthly outgoings or release funds f...
17/07/2026

Thinking about remortgaging? 🏡

Whether you want to secure a better rate, reduce your monthly outgoings or release funds for home improvements, remortgaging could be worth exploring.

From upgrading your kitchen or bathroom to building an extension for extra space, there are many reasons homeowners choose to review their mortgage.

At Pioneer, we can search the market for you, explain your options clearly and help make the process as smooth and stress-free as possible.

It is best to get in touch around six months before your current deal ends, giving us plenty of time to find a suitable option for your needs. This may include switching to a new lender or looking at product transfer options with your existing lender.

You may have to pay an early repayment charge to your existing lender if you remortgage.

Your home or property may be repossessed if you do not keep up with your mortgage repayments.

Home insurance premiums have continued to fall, with average UK premiums dropping by 9% year-on-year in January 2026, ac...
15/07/2026

Home insurance premiums have continued to fall, with average UK premiums dropping by 9% year-on-year in January 2026, according to recent analysis.

The improvement follows a significant reduction in severe weather warnings across the UK. Red storm warnings reportedly fell from 18 in 2022 to just four in 2024, while amber warnings also declined sharply over the same period.

However, insurers are cautioning households about the risk of wetter-than-average weather and the potential for property damage later in the year. This means reviewing cover levels and policy terms remains important, even as premiums begin to ease.

We can help review your options and ensure you have suitable cover in place.

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

Sources: https://theintermediary.co.uk/2026/04/home-insurance-premiums-ease-as-storm-warnings-fall-compare-the-market/

https://www.comparethemarket.com/inside-ctm/media-centre/home-premiums-continue-to-fall-as-households-urged-to-brace-for-wetter-than-average-autumn/

Need mortgage advice that goes beyond the standard route? 🏡At Pioneer, we can offer guidance across a range of specialis...
13/07/2026

Need mortgage advice that goes beyond the standard route? 🏡

At Pioneer, we can offer guidance across a range of specialist lending and borrowing areas, helping clients understand their options when things feel a little more complex.

Our experienced team can support with areas such as:
• Self-build mortgages
• Second charge mortgages*
• Commercial mortgages*
• Impaired or adverse credit
• Bridging loans*
• Development finance*

We understand that mortgages can sometimes feel complicated and frustrating, which is why we aim to make the process clearer, simpler and less stressful.

We also recommend reviewing your mortgage regularly to ensure it remains suitable for your circumstances.

*Arranged by introduction only. Commercial mortgages are not usually regulated by the Financial Conduct Authority.

Mortgage rates are in a state of flux in response to the Middle East conflict, which is a constantly evolving situation....
11/07/2026

Mortgage rates are in a state of flux in response to the Middle East conflict, which is a constantly evolving situation.

Mortgage rates were on the rise at the start of April, with over 30 lenders increasing their rates and withdrawing some products from the market. However, by the end of the month, lenders had started to make cuts again. Despite this, at the end of April the average two- and five-year fixed mortgage was still higher than at the beginning of March, before the impact of the war had started to filter through to the economy.

Those who can afford larger deposits continue to fare better in the current economic landscape, as these are the products that are seeing the biggest rate reductions. On the other hand, homeowners who are coming to the end of their five-year fixed deals are likely to be hardest hit when looking for a remortgage deal, as their new rates could be significantly higher.

We can help you understand what the changing economic situation means for you and your mortgage. Get in touch to speak to a professional adviser.

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay and early repayment charge to your existing lender if you remortgage.

Sources: https://www.mortgagestrategy.co.uk/news/mortgage-rates-keep-climbing-as-lender-repricing-continues/

https://www.mortgagestrategy.co.uk/news/mortgage-rates-fall-for-a-second-week-as-more-lenders-make-cuts/

A lovely review for Gail and Linda 🏡 Buying your first home cab feel overwhelming, especially when you start looking at ...
10/07/2026

A lovely review for Gail and Linda 🏡

Buying your first home cab feel overwhelming, especially when you start looking at mortgage rates, prices and the options available. That is why we are so pleased to receive feedback like this from one of our clients!

A huge well done to Gail and Linda fro providing such supportive, clear and reassuring advice throughout the process.

If you are looking for mortgage advice, our team is here to help make things feel simple and stress free!

Buying a property? 🏡Whether it is your first home or you have been through the process before, our team at Pioneer is he...
10/07/2026

Buying a property? 🏡

Whether it is your first home or you have been through the process before, our team at Pioneer is here to offer clear advice and guidance from start to finish.

As homeowners ourselves, we understand how exciting, stressful and overwhelming buying a property can feel. That is why we work hard to make the mortgage journey as smooth and straightforward as possible.

We can help you explore the right mortgage options for your needs, from fixed, variable, discounted or tracker rates, to repayment, interest-only or offset mortgages.

We can also offer guidance around valuations, surveys, solicitors, wills and associated insurances, helping you feel more informed at every stage.

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

Thousands of homeowners may not realise that outdated or unsuitable door locks could affect the validity of their home i...
08/07/2026

Thousands of homeowners may not realise that outdated or unsuitable door locks could affect the validity of their home insurance cover.

Security standards matter
Research suggests many UK households may not realise their existing door locks and security arrangements no longer meet the requirements set out in their insurance policies. One issue that can lead to claims being rejected is failing to meet minimum door security standards specified by insurers.

Most providers specify particular standards for locks, especially on external doors. If these requirements are not met, insurers may reduce payouts or reject claims altogether following a burglary.

In many cases, homeowners may be unaware their locks no longer meet current standards, particularly if they have older doors, damaged locks or have not reviewed their home security arrangements for several years.

Check your cover carefully
Understanding the small print is important, as security conditions and exclusions can differ between insurers and policies.

We can help you review your home insurance arrangements and ensure you understand the security requirements linked to your cover. Get in touch now.
As with all insurance policies, conditions and exclusions will apply.

Source: https://www.businessupnorth.co.uk/home-contents-insurance-fine-print-faulty-door-locks-clauses-leave-northern-homes-uncovered/

Looking for a commercial mortgage? 🏢Whether you are a business owner hoping to purchase a property to trade from, or an ...
06/07/2026

Looking for a commercial mortgage? 🏢

Whether you are a business owner hoping to purchase a property to trade from, or an investor looking to generate income by renting to other businesses, Pioneer can help guide you through your options.

Commercial mortgages can be more complex than residential mortgages, so it is important to carefully consider the lender, mortgage type and structure that best suits your needs.

Our specialist team can help make the process more manageable by discussing your circumstances and introducing you to suitable options.

Commercial mortgages are not usually regulated by the Financial Conduct Authority. Commercial mortgages are arranged by introduction only.

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

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