Bolton is a town and borough of Greater Manchester, England, located northwest of London. The population at the 2021 Census was 296,000. With this big population, there is a huge demand for property mortgages in Bolton.

We are one of the leading mortgage brokers in Bolton who offer all types of loans to suit your needs. Our team will help you find the best loan for your situation. We have access to over 100 lenders with different products that can be tailored to meet your requirements.

Our Mortgage Lenders in Bolton

We work closely with a wide range of mortgage lenders to ensure we can provide you with the best and most suitable mortgage deals. Our mortgage advisors are fully compatible with all types of mortgages, such as buy-to-let mortgages, residential mortgages, remortgages, mortgages for first-time buyers etc.

We can assure you that with us you will get the best mortgage advice and house-buying experiences. Feel free to contact us by any method.

Why use a Mortgage Broker in Bolton?

Using a mortgage broker is your personal choice, it is not related to any specific location. If you don’t involve a quality mortgage broker, you may end up with a poor deal on your mortgage. You may have to pay more interest rates and increase your deposit amount.

A mortgage adviser can save you time and money. They know what type of mortgage suits your circumstances and they will do everything possible to make sure you get the best deal. A market broker will also look after your interests throughout the entire process.

You should always check out the terms and conditions before signing anything. It’s important to read through the documents carefully so you understand exactly how much you’ll need to pay back each month.

If you’re looking to move home or buy a new property, then using a mortgage broker could be beneficial. They will take care of all the paperwork and liaise with the lender to secure the right mortgage for you.

How does a Mortgage Adviser in BOLTON work?

The working of mortgage advisors is the same all over the UK. It’s simple! All you need to do contact via email or phone and we ask you to provide some detail related to your income, credit score, and average earnings.  Once we receive your information, we will send you an email confirmation. This means you’ve been accepted into our database.

Once we have received your completed application form, we will start working on finding you the best mortgage available. We will search through our wide range of lenders and compare their offers against yours.

We will then call you to discuss your options and answer any questions you might have about your mortgage.

At the end of the day, we want to make sure you get a great deal on your mortgage. That’s why we only recommend the best lenders and mortgage, providers.

What are the benefits of using a Mortgage Broker in Bolton?

There are many reasons why you should consider using a mortgage broker. Here are just some of them:

1. Save Time – Using a mortgage broker saves you time because they will handle all the paperwork for you. They will also liaise with the lender and negotiate a suitable deal for you.

2. Lower Costs – When you use a mortgage broker, you won’t have to pay upfront fees. Instead, you will pay a fee when you close the transaction. Good mortgage advice could also save you a lot in the long term.

3. Professional Advice – The mortgage brokers at needingadvice.co.uk ltd are highly trained professionals who will help you find the best mortgage for your needs.

4. Guarantee – With a mortgage broker, you can rest assured that you will get the best deal on your mortgage application.

5. No Hidden Fees – There are no hidden charges when you take mortgage advice.

Can a mortgage broker in Bolton help me if I am having a bad credit score?

Yes, it is possible to apply for a mortgage even if you have a poor credit history. However, this may not be as easy as you think. You will need to prove that you have stable employment and a regular income. If you don’t meet these requirements, then you may struggle to get approved for a loan.

However, there are ways around this problem. One way is to use a guarantor. A guarantor is someone who guarantees your repayments. In return, they will be responsible for paying off the debt if you default.

Another option is to try and improve your credit rating. You can do this by making sure you keep up-to-date with your payments and by applying for any personal loans or credit cards that you have missed.

If you still have problems getting a mortgage, then you may want to consider other options such as taking out a secured loan. Secured loans are like unsecured loans but they come with extra security. For example, you may be able to put your home up as collateral.

If none of these work, then you may want to look into alternative forms of finance. These include peer-to-peer lending and crowdfunding.

If you are interested. you can contact us for mortgage advice, we will help you with bad credit mortgages.

Are you in need of Mortgage Advice in Bolton?

I offer a highly efficient friendly yet professional mortgage broker service for clients in and around the Bolton area. Clients use me for simple mortgages such as a straightforward purchases or for much more complex cases such as multiple buy-to-let remortgages and onward purchases. I have helped many clients who have been more than happy with the service I offer.

Areas Covered – Bolton

Over the years I have built up clients from lots of areas within Bolton. Areas include Egerton, Little Lever, Farnworth, Little Hulton, Kearsley, Chapeltown and Ainsworth.

Damian Youell

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How We Work

1: We contact you and take down your details, income outgoings, name, address etc.

2: We will research the whole market and email you a detailed quote as well as a list of documents to proceed.

3: You upload the documents and information needed via our channel our online portal.

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A Few of our Reviews


Efficient Easy to Understand Process..

The first step in the mortgage advice process is for us to have a brief initial chat. You can ring us on free phone 0800 612 3367. We can then have a few minutes of chat to work out whether what you are trying to do is possible. At this stage, only a brief outline of what you are trying to do is covered. If you are at work and cannot make a call you can contact us via email to have a discussion about what you are trying to achieve. At this stage, it may be that what you are trying to do is not possible for example if you have no deposit or not enough income. However, in most cases, we can help and then we will arrange a convenient time to call you to go through things in more detail.
Once we have determined that I can help you then I need to find out hard and soft facts about you so I can begin to formulate solutions. Areas I need will cover basic details like full names and addresses, date of birth, employment status and income. Other areas will include your credit commitments and outgoings. Lastly we will talk about the mortgages you want what deposit you have, what your budget is, what type of interest rate you would prefer. We will also look at what protection solutions you have in place and how whether or not these will be suitable for your new mortgage. We will discuss time scales and when you are looking to move with the solution and then agree a time when I will email the figures to you.
The detailed mortgage figures will enable you to know two things. Firstly that what you are looking to achieve is definitely doable. Secondly, you can look at the figures and work out whether the payments are affordable and thus the idea feasible. Included in the top of the email is a summary of what we discussed and a brief overview of the deposit, loan etc. The middle section details the mortgage figures such as the interest rate, term, monthly payment, fees and charges etc. This information is also attached in the form of a key fact illustration. The bottom of the email lists all the items that would be required in order to proceed with the application such as payslips, passports, and bank statements so you can prepare these for our home visit.
The final step is for me to pop out to see you scan any of the required documents that the lender requires. Typically payslips, bank statements, passports, and address ID will be required. Other information such as the address of the property you are buying, the name of the estate agents you are buying through, the name of a solicitor you want to use etc will need to be gathered. Once this is complete then I will fill in the application form on your behalf and deal with the lender throughout the whole process until the mortgage has been completed.

Types of Mortgages Offered

First Time Buyers

I offer expert advice and house buying guidance for those first time buyers looking to get on the housing ladder. The mortgage process can seem confusing for first time buyers and having someone to explain the complex jargon in easy to understand language can simplify the process. Many first time buyers only have small deposits and therefore shopping around to get the best deal from the whole mortgage market is important. As well as the mortgage itself helping first time buyers take advantage of the various protection policies that are available and helping them choose the right solution for their own situation is important. Ensuring that the lender offered to the first time buyer is the right one and that the applicant fits all the lenders criteria is taken care of by myself.
Meet Our Specialist Mortgage Broker

Equity Release Lifetime Mortgages

Equity Release is a product which allows you to unlock cash from the value of your loan. One of the popular Equity Release Product is a Lifetime Mortgage. Lifetime mortgages are designed for people who want to release equity in their property and use the money to pay off other debts or simply enjoy life without worrying about repaying the mortgage. The main benefit of this type of mortgage is that it can be used as an alternative to paying off debt, such as credit cards or personal loans. The interest on these types of products will typically be lower than standard variable rate mortgages. We now have a dedicated adviser who specialises in equity-release mortgages. If you are age over 55 and need equity release for home improvements, paying off an interest-only mortgage, a gift to family or another reason for equity release then feel free to contact us.
Meet Our Equity Release Broker

Buy to Let Mortgages

Many clients that I see these days either already have buy to lets or are quite keen to get their own first time buy to let mortgages. The high street doesn’t really offer much choice when it comes to buy to let mortgages. Many of the high street lenders have their own specialist lender for buy to lets such as The Mortgage Works or Birmingham Midshires. These lenders are often only available through intermediaries such as mortgage brokers. Many of the buy to let lenders have criteria that is hard for clients to match and thus comparing lots of lenders and knowing each lenders criteria is sometimes the only way a client can get a mortgage agreed.
Meet Our Specialist Mortgage Broker

Remortgages

Many clients I see often just want to remortgage to get a better interest rate. Others want to move the mortgage from interest only to a capital and interest repayment mortgage. Others want to release equity from their homes to do home improvements, give family a deposit, raise funds to buy another property, divorce settlements and a host of other reasons. Again comparing the whole mortgage market’s rates and lending criteria helps my clients get the right mortgage for their unique circumstances.
Meet Our Specialist Mortgage Broker