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Mortgage Broker Manchester - Black & Gold Financial Services

Mortgage Services

Looking for a reliable mortgage broker in Manchester? Black & Gold FS are here for you. As you can see there are hundreds of mortgages to choose from on the market. Some easy to understand, others more complicated. Most of them irrelevant to you and your specific circumstances.

Here at B&G we take the pain out of your mortgage search. Leave all the jargon to us. We will take the time to understand you, who you are and what you need. We will take you through the process step by step making sure everything is clear. Provide our recommendations to ultimately equip you with the info and knowledge to make the final decision.

Most of our clients fall into one of the three categories. If none of these seem to fit, give us a call. We promise that we will listen and find the solution for you!

1st Time Buyers
If you’ve looked on a few websites, you may feel overwhelmed. That’s hardly surprising. This is probably the biggest purchase of your life. Getting on the property ladder is also one of the hardest steps.

Searching for the perfect home is daunting enough. Let us deal with the headache of searching for the perfect mortgage. Our team provides guidance, expertise, and support. You'll find we take away the stress by being straightforward and responsive. We understand how emotional buying your first home can be.

At B&G, we’ve helped hundreds of first-time buyers secure a mortgage. Our experts provide full support from your initial enquiry right through to moving day!
Remortgage
Your mortgage is almost always your biggest financial commitment. Streamlining your largest debt can produce the biggest savings - sometimes £1,000s each year. If you're savvy enough to shop around for the cheapest car insurance or mobile phone contract, then why not use the same skills to save money on your mortgage?

Like anything in life there are pros and cons to remortgaging, even more so in the uncertainty around the current cost of living crisis, and timing is everything! At B&G we will take the time to really understand your requirements and objectives and provide honest advice on whether it’s the right time to switch and if so what the most suitable deals are to suit you and your family.
Buy To Let
If you’re buying property as an investment then you need a specific mortgage tailored to that.

Whether you’re a seasoned investor or a new landlord about to take the plunge into the rental property market we’re here to support you. BTL mortgages are less straightforward than typical mortgages, and require larger, initial deposits.

At B&G we will check your eligibility and if you fulfil the criteria we’ll assist you in getting the right rate for you to maximise your investment.
The Small Print

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

A fee of £200 for sourcing the mortgage/product payable on application, and a fee of £249 for obtaining the mortgage/product on offer.

If we charge you a fee, and your mortgage does not go ahead you will not receive a refund.

This is in addition to any commission we may receive from the lender.

Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

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