Pioneer Mortgage and Protection Limited

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

Thinking of putting your house on the market? Getting the asking price right is essential to attracting buyers.It was a ...
14/10/2026

Thinking of putting your house on the market? Getting the asking price right is essential to attracting buyers.

It was a slower summer for the housing market, with affordability pressures affecting buyer confidence. According to Zoopla, the number of sales agreed fell by 9% annually in July, likely due to higher mortgage rates adding around £125 to monthly repayments for the typical buyer.

Buyers currently have more choice, with the number of available homes increasing in eight out of 11 regions compared with last year. This means sellers need to price competitively, as buyers have more negotiating power.

In the current market, being overly ambitious with your asking price can be risky. It is important to base your price on recent sold prices, rather than advertised asking prices.

While you can reduce the price later, this may mean your home takes longer to sell. Research from Savills shows that sellers who price correctly from the start can achieve an agreed sale within 28 days. However, one price cut could mean waiting over three months for an offer, while two price reductions could extend this to nearly five and a half months.

Local market conditions also matter. While 76% of local markets recorded a fall in agreed sales between May and July, some areas saw stable or increasing activity. This is why it is worth speaking to local estate agents for advice on a realistic price for your property type and area.

If you are looking to move home this autumn, get in touch. We can help you understand what you can reasonably afford, so you can enter your property search in the best possible position.

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

Sources:
https://www.zoopla.co.uk/discover/property-news/is-now-a-good-time-to-sell-your-house-heres-what-really-matters-in-2026/
https://www.zoopla.co.uk/discover/property-news/house-price-index/
https://www.ft.com/content/24a8adf9-8103-44b3-92e8-350ef897dc2a?syn-25a6b1a6=1

Photo by Daniil Korbut on Unsplash

Buying, moving or remortgaging? 🏡Having the right mortgage advice can make the process feel much clearer.At Pioneer, we ...
12/10/2026

Buying, moving or remortgaging? 🏡

Having the right mortgage advice can make the process feel much clearer.

At Pioneer, we take the time to understand your circumstances, explain your options and guide you through each stage with straightforward support.

Whether you are taking your first step onto the property ladder or reviewing your current mortgage, our team is here to help.

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

Flats are the best value they have been in 30 years, according to Zoopla. The typical flat is currently 40% cheaper than...
10/10/2026

Flats are the best value they have been in 30 years, according to Zoopla.

The typical flat is currently 40% cheaper than a house, marking the widest price gap since records began. Since 2017, the price of a flat has risen by just over 10%, while the average house price has gone up by 43% over the same period.

The average house costs 1.7 times more than a flat, but this ratio varies depending on the region. The biggest price gap is seen in the West Midlands, where the house-flat ratio is 2.5. Meanwhile, in London, the ratio is lower at 1.9 where property prices are higher overall. However, these figures do not take into account the additional charges payable on a leasehold flat.

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

Sources:
https://www.zoopla.co.uk/discover/property-news/flats-are-40-cheaper-to-buy-than-houses-the-best-value-for-30-years/

Photo by Marlene Celine Nordvik from Unsplash
Photo by Marlene Céline Nordvik on Unsplash

Mortgage advisers, is it time for a change? 👀Fed up of 9-5? Pressured to hit targets?We are looking for mortgage adviser...
09/10/2026

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.

Recent data has emphasised the importance of being transparent with your insurer, otherwise your protection claim could ...
07/10/2026

Recent data has emphasised the importance of being transparent with your insurer, otherwise your protection claim could be denied.

According to LV=, around 5% of protection claims were declined in 2025. The main reasons for this were misrepresentation or non-disclosure; policyholders commonly provided inaccurate information about their smoking status, alcohol consumption and medical history.

Leaving out a detail or telling a small ‘white lie’ when applying for protection insurance may seem insignificant. However, even minor inaccuracies could affect the validity of your cover and ultimately prevent you from receiving a payout when you need it most. We understand that non-disclosure might not always be intentional. You may simply forget to mention a previous medical condition, particularly if it happened a long time ago. This is why it is important to take your time when completing an application and check your records carefully.

Don’t let inaccuracies be the reason you don’t receive a payout. If you already have protection in place, it is worth checking that the information you provided when applying is accurate and your insurer has been informed of any changes in circumstances.

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

Sources:
https://www.covermagazine.co.uk/news/4532874/misrepresentation-disclosure-reasons-denied-claims-lv

https://www.lv.com/about-us/press/lv-pays-out-nearly-152-million-in-protection-claims-in-2025-its-highest-on-record?utm

Photo by Vitaly Gariev on Unsplash
Photo by Vitaly Gariev on Unsplash

05/10/2026

Thinking about moving home? 🏡
Before you start looking, it is important to understand how lenders may view your affordability.
Speak to Pioneer if you are thinking about your next move.
Your home may be repossessed if you do not keep up repayments on your mortgage.

Are your children protected? We know it’s scary to think about your child having a serious illness, but one insurer paid...
03/10/2026

Are your children protected?

We know it’s scary to think about your child having a serious illness, but one insurer paid out £804,000 in children’s critical illness claims last year.

The insurer made payouts for 32 children who were diagnosed with a serious illness, with the most common reason being cancer. While it is horrible to imagine this happening to your family, the payouts can provide vital support during distressing times.

Some protection policies include cover for your child, offering you financial assistance if they were diagnosed with a specific illness or suffered a certain injury. In other cases, you would need to purchase this as an add-on. It is therefore important to check your policy terms, so you know when you would be covered.

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

Sources:
https://protectionreporter.co.uk/lv-paid-152m-in-protection-claims-last-year.html

https://www.lv.com/about-us/press/lv-pays-out-nearly-152-million-in-protection-claims-in-2025-its-highest-on-record?utm_source=chatgpt.com

Photo by Jessica Rockowitz on Unsplash

Photo by Jessica Rockowitz on Unsplash

Your mortgage journey should not feel like guesswork. 🏡Whether you are trying to understand how much you could borrow, c...
02/10/2026

Your mortgage journey should not feel like guesswork. 🏡

Whether you are trying to understand how much you could borrow, comparing mortgage options or wondering what happens next, Pioneer is here to help make things feel simple.

We offer clear, practical advice so you can move forward with more confidence and less stress.

Buying, moving or reviewing your mortgage? Speak to our team.

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

Could the new “Your First Home” scheme help more first-time buyers onto the property ladder? 🏡The scheme, announced by P...
29/09/2026

Could the new “Your First Home” scheme help more first-time buyers onto the property ladder? 🏡

The scheme, announced by Prime Minister Andy Burnham, is expected to support eligible first-time buyers in England purchasing new-build homes with a 2.5% deposit and a government equity loan worth up to 20% of the property value.

While this could be welcome news for buyers struggling to save a larger deposit, it is important to understand the full details, including eligibility, affordability, loan terms and the long-term costs involved.

At Pioneer, we can help first-time buyers understand their mortgage options and prepare for the homebuying process with confidence.

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

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