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First Rate Mortgage Solutions

First Rate Mortgage Solutions

5.0(41 reviews)See reviews ↓·Liverpool

About the company

First Rate Mortgage Solutions is a trading name of Storm Mortgages Ltd. It was founded by Andrew and Sue, who met while working as regional managers for UK financial institutions and estate agents. The firm is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited, which is authorised and regulated by the Financial Conduct Authority. It specialises in providing mortgage services in Liverpool and South Wales, with nationwide coverage.

Andrew is a Co-Founder based in the Cardiff Bay office and has worked in financial services for over 30 years. Sue is a Co-Founder based in the Woolton office in Liverpool and has helped clients finance homes and investment properties for over 20 years. Rhia joined the First Rate team in 2021 and works alongside Sue in the Woolton office. First Rate Mortgage Solutions offers mortgage services, protection and insurance.

What customers say

Based on genuine customer reviews

First Rate Mortgage Solutions supports buyers in Liverpool through first mortgages, buy-to-let purchases, remortgages and complicated borrowing scenarios. A point that comes up often is the central role of Sue, named in most accounts and described as guiding clients from the opening enquiry to collecting the keys, chasing paperwork and liaising with solicitors along the way. A number of customers describe securing more favourable rates than they had expected, with advice on rate movements and remortgage decisions said to save them money over periods of seven or eight years.

Reviews regularly refer to clear explanations, prompt answers to questions and steady handling when a purchase ran into difficulty, whether a sale collapsed or a valuation was needed so a new venture could proceed. Rhia also receives praise for making the process feel straightforward and keeping communication consistent. Deals arranged include a green mortgage extension for renewables with a high-street lender and borrowing through a limited company on a non-standard build. Clients returning for second and third mortgages note a proactive approach that keeps transactions moving, with nothing treated as too much trouble, and the same adviser remaining the constant across years of repeat business.

Insurance broker
First Rate Mortgage Solutions — Customer photo

Reviews

Reviews are taken from publicly available sources.

LR
Lyndzay Roberts15 July 2026

I can not rate Sue highly enough they’re aren’t enough stars !! From our initial meeting she searched and secured the best mortgage deal for me nothing was too much trouble !! She really did go the extra mile Even when my purchase fell through she helped me through to finally getting my dream home with a view xx Sue thank you xxxx

LI
Liam Inman23 April 2026

Sue was brilliant from start to finish. She got me a really competitive mortgage deal and made everything feel straightforward. She was always on hand, even out of hours, and nothing was ever too much trouble. You can tell she genuinely cares and wants the best outcome for you!! If I could give more than 5 stars, I would.

LH
Lauren Harkin18 April 2026

We’ve worked with Sue a number of times now (first mortgage, buy to let, second mortgage) and wouldn’t go to anyone else. She consistently makes what can be a stressful and complex process feel straightforward and manageable. Sue is incredibly proactive, always keeping an eye on rate changes and making sure we’re getting the best possible deal, and she’s brilliant at chasing up all the different parties involved so nothing gets stuck or delayed. Her communication is clear, timely, and reassuring throughout, which makes a huge difference. We always feel fully supported and confident that everything is being handled properly. We wouldn’t and haven't hesitated to recommend Sue to anyone looking for a knowledgeable, responsive, and genuinely helpful mortgage advisor.

MF
Mark Fidler15 April 2026

I cannot recommend Sue Parry at First Rate Mortgage highly enough! From the very first phone call to the day I picked up my keys, Sue was an absolute rock. Sue was there throughout every step of the mortgage process. What truly set her apart was her unwavering support throughout the entire process. She wasn’t just there to find me a rate; she was there to answer every "silly" question, chase up paperwork, and provide calm, expert advice whenever things got stressful. Why I’d recommend Sue: • Constant Communication: I was never left wondering what the next step was. She kept me updated every step of the way. • True Advocacy: It felt like she was genuinely in my corner, fighting to get the best possible outcome for my specific situation. • End-to-End Support: She didn’t disappear once the application was submitted; she stayed involved until the very end. If you want a mortgage advisor who is professional, proactive, and genuinely cares about getting you into your new home, look no further than Sue. Thank you for everything!

NC
Nicky Cinel7 April 2026

Sue has been an incredible advisor to us over the years – from helping us buy our very first home as a couple to now guiding us through the purchase of our family home. We truly couldn’t have asked for anyone better. Her expert knowledge, patience, and genuine care have made what can be a stressful process feel so much more manageable. She is always available to answer questions (no matter how small), gives her time generously, and consistently goes above and beyond to make sure you understand every step. Sue is not only highly knowledgeable, but she is also genuinely invested in getting the best possible outcome for you. She has been a huge support with all the paperwork and the finer details, making everything feel seamless. We honestly can’t thank her or recommend her highly enough.

PM
Paul Melvin7 April 2026

How about this - I first worked with Sue back in 2018 when she helped arrange quite a large mortgage for a move we were making without having our existing home sold which was obviously quite daunting and I’ve continued to go back to her ever since. What really stands out is the quality of her advice. She’s helped guide me through several remortgage decisions since, and that guidance has genuinely saved us a significant amount of money. She takes the time to clearly explain the pros and cons of different options—whether that’s 2, 3, or 5-year deals—so you can make a decision that actually suits your own personal situation. Importantly, Sue isn’t pushy. She’s not trying to rush you into remortgaging just for the sake of it, which is quite rare. Her approach feels considered and long-term. I’ve also recommended her to close family members and even some of my own clients, all of whom have had equally positive experiences. If you’re looking for someone knowledgeable, honest, and genuinely focused on doing what’s right for you, I wouldn’t hesitate to recommend her. Paul and Jill Melvin.

IK
Inderjeet Kaler7 April 2026

I’ve used First Rate Mortgages Solutions several times now, and each experience has been consistently excellent. Sue, in particular, is great to work with. She’s incredibly detail‑oriented and efficient, which gives you real confidence that nothing is being missed. She’s also friendly, approachable, and very easy to communicate with — a combination that makes the whole process feel far less stressful. What I really value is the range of options she provides. She takes the time to understand your circumstances and requirements, then lays out clear, well‑explained choices so you can make the best decision. Sue has also helped me navigate more complex mortgage products, and she’s been proactive in liaising directly with lenders whenever additional explanation or detail was needed to get things across the line. The company has delivered consistently, and I wouldn’t hesitate to recommend them.

Mortgage brokers in Liverpool compared

Ordered by rating, weighted by the number of reviews — businesses with only a handful of reviews do not jump to the top automatically. 10 businesses in this category in Liverpool are compared.

RankProviderRatingReviewsOpen Sat.
1First Rate Mortgage Solutions (this page)★ 5,041Yes
2LTC Mortgages★ 5,096Yes
3Newman Street Financial Services★ 5,048No
4AL Mortgage Solutions Allerton★ 5,0200Yes
5Liverpool Mortgage Solutions Ltd★ 5,023Yes
Contact
+447740820420www.firstratems.co.ukGladstone House, 2 Church Rd, Wavertree, Liverpool L15 9EG
Working hours
Monday09:00–18:30
Tuesday09:00–18:30
Wednesday09:00–18:30
Thursday09:00–18:30
Friday09:00–18:30
Saturday09:00–16:00
SundayClosed