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Saving-You.com - The Mortgage Experts

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Saving-You.com - The Mortgage Experts

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Appointments available on ZOOM or in our Adlington office. We are here to help.

100% Confidential We speak your language. All our advisors are minimum CeMAP 123.

Hello, we are a young, (at heart) small team of fully qualified Financial Advisors based in Manchester, Leigh, Horwich, Chorley, Preston & Accrington. We have been trading since 2005, however our most experience advisor started over 26 years ago! We genuinely want to help you get the best possible mortgage for your circumstances. We offer no obligation home visits 9am – 8pm at our own expense, 7 days a week. We are proud of our relationships with local industry professionals and work closely with Solicitors, Surveyors and Estate Agents, from Manchester to Preston. We are normal people (well not really, we are financial superheroes, but don’t tell anybody, its a secret)

We listen first, complete a full “fact find” then advise and recommend. Just like if you were going to your own bank. If you choose not to listen, that’s ok too! (although we do ask that the TV is turned off when we visit)

We love to speak with first time buyers, before they get overwhelmed by the corporate salesforce. We will hold your hand through the “scary” world of house buying. If your moving, getting divorced (we wont tell the other half if you haven’t) or looking to invest in property, we know all about that too. Give us a call, you wont be disappointed. (That means we can legally talk to you about your mortgage!)

We all know lots and lots about Insurance. Nobody WANTS insurance, until you NEED it! No hard sell we promise, just good honest advice. We even have “special” insurance for company directors, which can save them loads of money. (if you know one, tell them about us)

There is a regulator that makes sure we do a good job. They are called the Financial Conduct Authority and our number is 432444. You can find our registration here: https://register.fca.org.uk/s/firm?id=001b000000MfcQvAAJ

We also hold a consumer credit licence and a data protection licence. The Mortgage Experts is a trading name of Saving-You.com Ltd, an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

30/09/2026

Book your appointment here: www.saving-you.com

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:

• Lenders that allow family members to boost your affordability with their income

• Lenders offering stronger income multiples, which could increase how much you’re able to borrow

• More flexible approaches to different types of income

• Interest-only or part-and-part options where appropriate

• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬

We offer appointments in our office, via zoom, or even over the phone.

You can book yours here: www.saving-you.com

We are

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

09/09/2026

🏡 A new way to remortgage has just launched…

If your fixed rate is coming to an end, there’s now another reason to review your options rather than automatically staying with your current lender.

🚀 One of the market leading lenders has become the first to launch a Fast-Track Remortgage service, designed to make switching lenders much quicker for eligible customers, completing in as little as 5 days.

Traditionally, moving your mortgage to a new lender can take several weeks from application through to completion, which can sometimes make staying with your existing lender feel like the easier option.

🔑 If your mortgage deal is ending soon, even if I’ve never helped you before, get in touch. I can review your current lender’s options alongside what else is available across the market. 🔍

Fast-Track Remortgages are only available on eligible cases and are subject to lending criteria, affordability and other checks. Timescales are not guaranteed.

Book your appointment via: www.saving-you.com

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

We are

01/09/2026

We are back in the hot seat and ready to solve those mortgage headaches.

Appointments are available Tuesday, Wednesday and Thursday 10am - 8pm.

In the shop or on ZOOM!

Please book through www.saving-you.com

We are

17/07/2026

The summer is nearly here, and we hope you are planning on making the most of this special time with family and friends! 💛

During the school holidays, THE Mortgage Experts will be offering Zoom appointments only, giving you the flexibility to chat with us wherever you are – whether you're at home, on holiday, or enjoying a day out! 💻🏡

If you're thinking about buying a home, remortgaging, or simply want to review your mortgage options, we're still here to help every step of the way.

📅 Book your Zoom appointment today: www.saving-you.com

We'd like to wish all of our clients, friends, and followers a fantastic summer filled with sunshine, laughter, and wonderful memories. ☀️🍦🌊

We'll be back in the shop and ready to welcome you in person from September. Until then, we'll see you on Zoom!

We are

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

08/07/2026

👀 Halifax is changing...

You may have seen last week's announcement that Lloyds Banking Group, has confirmed that Halifax Intermediaries will become Lloyds Intermediaries in early 2027.

While the name is changing, the important thing is what it means for you as a customer.

If you're a Lloyds Premier Personal Current Account customer, there are exclusive mortgage products available through your mortgage broker. You don't need to go directly to the bank to access these rates - I can arrange them for eligible customers, whilst comparing with other rates.

In the meantime, if you currently have a Halifax mortgage, I can also access the same Halifax rates and products for existing customers - before accepting your renewal offer, let me carry out a full mortgage review, and compare with the wider market to make sure you're getting the right deal.

Book an appointment at www.saving-you.com if you'd like me to review your mortgage.

Subject to eligibility and full mortgage assessment.

We are

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

10/06/2026

❤️ Protect Your Family & Finances with Critical Illness Cover

Life is full of surprises—but not all of them are welcome.
A serious illness can affect more than just your health; it can impact your income, savings, and family finances too.

🛡️ Critical Illness Cover can provide a tax-free lump sum payment if you're diagnosed with a covered critical illness, helping you focus on what matters most—your recovery.

Why consider Critical Illness Cover?
💷 Help cover mortgage payments and household bills
🏥 Support private treatment, rehabilitation, or medical expenses
📉 Replace lost income if you're unable to work
👨‍👩‍👧‍👦 Protect your family's financial wellbeing
🌟 Enjoy greater peace of mind for the future

A critical illness can happen when you least expect it. Having the right protection in place means you and your loved ones can face the future with greater confidence.

✅ Financial support when you need it most
✅ Flexible use of your payout
✅ Protection tailored to your needs and budget

📞 Get in touch today for a no-obligation review and find out how Critical Illness Cover could help safeguard your future.

We're here to help you protect what matters most. ❤️

To book an appointment with Steve or Martin please follow this link: https://www.saving-you.com/book-an-appointment/

01/06/2026

🚨 HUGE news for first-time buyers & renters 🚨

Did you could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:
• Up to 98% LTV (just £5k minimum deposit)
• Available on homes up to £300,000
• 5-year fixed rate with NO product fees
• Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.
We have access to this deal, so drop us a message! 👇

Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Book your free appointment by visiting our website here:
www.saving-you.com

We are

22/04/2026

Renting rules are changing… what does this mean for you? 🏡

From 1 May 2026, the Renters’ Rights Act will bring in some important changes:
🔑 Removal of ‘no fault’ evictions: Landlords will need a valid reason to end a tenancy
📄 More flexible tenancies: No more being locked into long fixed terms
📅 Rent can only be increased once a year
⚖️ Tenants can challenge unfair rent increases
💷 Large upfront rent payments will be banned
So what does this mean for you?

For landlords with mortgages:

👉 Beyond just the rules, this is likely to shift how you as a landlord approach your properties.

You may:
• Review whether your current mortgage is still competitive
• Look at raising funds for improvements to increase rental appeal
• Reassess profitability and consider selling
• Restructure portfolios or reduce the number of properties you hold

👉 If you’re a landlord, now is a good time to step back and look at your overall strategy, and make sure your mortgage is working for you, not against you.

For renters & first-time buyers:

👉 For some, this may make renting more stable. For others, it might be the nudge to explore buying instead.

That’s where I come in.

I help you understand your options, whether it’s getting onto the property ladder, reviewing your current mortgage, or planning your next move with confidence.

If you’re unsure how these changes affect you, just drop me a message 📩

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

We are

16/04/2026

So we have been a little quite on here recently. (Apologies for that!)

We have been really busy looking after our current clients who's deals have come to an end and new clients wanting to buy for the first time, or move home.

The interest rates that are available have been shooting up as you will have probably seen on the TV making mortgage payments more expensive.

We have had a lot of the same questions from clients asking what's the best thing to do, with regards to remortgaging, do it now or wait.

We have and always will do our best to make sure that the rate you pay on the mortgage is the best possible for your circumstances.

If we secure you a rate now and your deal is not due to end for 6 months, there is a chance that the rates will drop during that time.

If rates drop, we will make the call to arrange to reduce that rate for you.

If rates increase further, (And we really hope they don't) you have banked the best deal.

We have appointments available either via zoom, or face to face in our Adlington office. Book your slot here: www.saving-you.com

Rocky and Rex (our office whippets) are waiting to greet you!

We are

YOUR HOME MAY BE REPOSSED IF YOU DO NOT KEEP UP WITH REPAYMENTS ON YOUR MORTGAGE

14/01/2026

Struggling to get on the property ladder? 🏡

What if I said there’s a way to get a mortgage with the help of family or friends, without everyone owning the property?

✨ Joint Borrower, Sole Proprietor mortgages allow:
• Up to 4 applicants & 4 incomes
• Support from family or non-family members
• Extra borrower(s) can live in the property
• One person owns the home

Perfect if you need help with affordability but want the home in your name!

📩 Book an appointment at a time to suit you either in our office or online.
www.saving-you.com

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.’’

Address

177 Chorley Road, Adlington.
Adlington
PR69LP

Opening Hours

Monday	8am - 9pm
Tuesday	8am - 9pm
Wednesday	8am - 9pm
Thursday	8am - 9pm
Friday	8am - 9pm
Saturday	8am - 9pm
Sunday	8am - 9pm

Telephone

+441257368479

Website

http://www.Saving-You.com/

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