Mortgages for first time buyers, home movers, remortgage, remortgaging, advice, help, Wigan, Lancashire, NW 2016-10-21T22:09:50+00:00

Mortgages arranged for first time buyers and home movers, remortgaging, independent financial advice

LR Finance, based in Wigan, Lancashire, provide independent advice you can trust, to help you with arranging a mortgage suitable for your circumstances.

‘always patient with me and explains everything’

Matt is fab !! I know I ask a lot of questions, but he is always patient with me and explains everything

Ana Hutton

There are a comprehensive range of mortgages available across the market – how do you decide which one is right for you?

At LR Finance, we have information about all the different mortgages available across the market. We will advise and arrange your mortgage, whether you are:

  • a first time buyer
  • a home owner
  • wanting to buy a property as an investment (‘Buy to Let’)*
  • wanting to remortgage for a new rate**
  • wanting to remortgage for further borrowing**
  • ‘Second Charge’ mortgages for additional borrowing
  • ‘Help To Buy’ mortgages
  • Product Transfer
  • Further Advance with existing Lender for further borrowing

The aim of LR Finance as an independent financial advisor, is to find the mortgage that is the MOST suitable for your personal and financial circumstances.

We offer a comprehensive range of mortgage products from across the market, including both first and second charge mortgages. However, there are some products that you can only obtain by going direct to a bank or building society.

For LR Finance clients who are thinking about increasing their existing borrowing, alternative finance options are always open for discussion. We can look at what is currently available and more appropriate for your needs. For example, a further advance from your existing lender or an unsecured loan (eg Personal Loan).

Mortgage application submission and processing services

Service is the key to success. LR Finance endeavour to ensure all your information is processed correctly. We provide the lenders with the information they need to support your application. We deal with the surveyors and underwriters to ensure your application proceeds to a mortgage offer, as smoothly as possible.

As well as processing your mortgage application on your behalf, LR Finance provide advice, backed up by a detailed report on our recommendation.

‘Thank you to all the staff for your patience’
Thank you to Deborah Marcroft and all the staff for your patience throughout a very drawn out process. I’d highly recommend LR Finance and would definitely use your services again.
Rachel Thompson
‘Everything was dealt with brilliantly’
Janet Rodan…staff really helpful…will definitely be recommending LR Finance to friends and family.
Alison Jones, Your Content Goes Here
‘Excellent service from Vicky’
Always available to answer any questions and offer advice.
Andrew & Louise Williams, Your Content Goes Here

How we charge for our services

The initial meeting is at our expense. If, after this meeting, you are happy for LR Finance to secure a mortgage on your behalf, we charge a brokers fee of £295 (£495 for customers with adverse credit history) – payable on completion. We will also be paid commission by the lender.

Important! Re Mortgage Repayments or Loan Payments

YOUR HOME IS AT RISK IF YOU FAIL TO KEEP UP YOUR MORTGAGE PAYMENTS OR ANY LOAN SECURED ON YOUR PROPERTY.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

* MOST FORMS OF BUY TO LET MORTGAGES, COMMERCIAL MORTGAGES AND BRIDGING FINANCE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

** YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISITNG LENDER IF YOU REMORTGAGE.