Mortgage advice

Obtaining a mortgage can be confusing, no matter what your financial history looks like.

It does not matter to us what stage you are on in your mortgage life journey – if you’re a first-time buyer looking for your first mortgage, an existing home owner looking save money, or if you are looking to downsize and release capital, THE Mortgage Experts @ Saving-You.com can help.

If you’ve been turned down by a bank in the past or just don’t know where to start, we’ll show you the way. Our team of 7 fully qualified mortgage advisors will give you honest and reliable advice on the best steps to take next. Not only do we offer super friendly, honest advice, but being “Whole of Market” (Independent) we offer a range of mortgage solutions from almost every lender in the country!

First Time Buyer Mortgage Advice

With housing prices getting higher and higher every year, getting on the property ladder has never been harder. If you’re a first-time buyer looking for a mortgage in Charnock Richard, then we can guide you through the steps. Getting a mortgage might seem like a scary and daunting task but it doesn’t have to be!

Buying Your First Home In Charnock Richard

Charnock Richard is a small town located a few miles away from the nearby towns Adlington and Blackrod. With a population of only 1,748 people, it’s small in comparison which makes it a great local community for first-time buyers.

The majority of sales in Charnock Richard during the last year were semi-detached properties, selling for an average price of £187,375. Detached properties sold for an average of £337,056, with terraced properties fetching £134,165.

Charnock Richard, with an overall average price of £236,854, was similar in terms of sold prices to nearby Haigh (£272,744), but was more expensive than Standish (£217,588) and cheaper than Rivington (£465,000).

During the last year, sold prices in Charnock Richard over the last year were 10% down on the previous year and 19% down on the 2008 peak of £292,391.

Most houses in Charnock Richard are just a short walk from local amenities such as the local train station and local shops. There are also plenty of nearby parks and play areas for young children as well as a local primary school nursery and kennels.

We Can Help You Buy Your First Home

If you need help with a mortgage for your first property in Charnock Richard, then our mortgage experts can help. Our professional and friendly team has helped plenty of first-time buyers obtain mortgages and also arrange the appropriate life insurance.

We look after the whole process with no nasty surprises! Call to book an appointment at your place or ours on 01257368479

Buy To Let Mortgages

If you can’t afford to buy in Charnock Richard, then you rent. This is why Investing in property in Charnock Richard has always been a popular choice for those with a bit of spare cash. Being a landlord in Charnock Richard and owning buy to let properties could be an excellent way to potentially earn monthly income from renting out your property. Not only can you use this money to pay your monthly mortgage payments, but your property in Charnock Richard can also increase in value over time. However it’s not for the faint hearted!


With lots of options available including putting the property into a SPV (Special Purpose Vehicle) so it’s tax efficient and putting the properties into a Limited Company it’s best to speak with THE Mortgage Experts. We can recommend tax specialists if this is something of interest to you.


If you want to know more about how buying to let can be beneficial for you, then call us today to speak to “THE Mortgage Experts” in Adlington today.

Remortgage Your Home

So you already own your own home in Charnock Richard. Congratulations.

Did you know that when your “special introductory rate” ends that it will probably increase to the SVR (Standard Variable Rate)?

This means your payments will significantly increase. Could you afford these payments? At Saving-You.com THE Mortgage Experts will review your mortgage for you free of charge and advise you if it is worthwhile changing lender to get a new low preferential rate.

We have clients in Charnock Richard, who while re-mortgaging, want to raise money for home improvements, extensions, debt consolidation. Whilst consolidating debt into your mortgage is a last resort and may cost more in the long run, it could significantly reduce monthly outgoings is the short term.


THE Mortgage Experts in Adlington are waiting to help you today.

Outstanding Customer Service


Not our words, but that of our clients!


We have been providing fantastic advice for over 15yrs in Adlington, which means we have a loyal client base. Our clients in Adlington come back regularly for mortgage reviews.


You can read our feedback on our Facebook page https://www.facebook.com/wesaveyou

Why choose Saving-You.com

Saving-You is a team of fully qualified financial advisers, based along the M61 corridor between Preston and Manchester. We launched back in 2005 with one main goal: to save people money on their mortgage.

Although we naturally work with estate agents, surveyors and solicitors, we are completely independent and therefore our advice is totally impartial; we are able to search the panel of lenders to find the best and most competitive solutions for our clients. Whether you are a first-time buyer, moving house or looking for a better rate, rest assured that we will take the hassle out of sourcing and applying for a mortgage.

At each step of the mortgage process, you will be in the safest of safe hands with Saving-You. All our advisers are CeMAP qualified, meaning that we are legally approved to discuss your mortgage with you. We are regulated by the Financial Conduct Authority and our number is 432444. Moreover, we also hold both a consumer credit and data protection licence.

Saving-You understands that it can often be very difficult – even overwhelming –
for someone to find the best mortgage for their circumstances. Using our expertise, experience and impartiality, we will manage the process from start to finish, to save you time and hassle as well, of course, as money!

To start the ball rolling and schedule your free, no-obligation consultation, contact us today. As we can secure rates up to six months in advance, there really is no better time to let us start Saving-You and give you a virtual pay rise!

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

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