Josh Finigan - Mortgage Adviser

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Ashton-under-Lyne
Josh Finigan - Mortgage Adviser

I'm a Mortgage Adviser who has worked in the mortgage industry since 2020. Appointments available, call today!

Whether you're a first time buyer, self-employed or looking for a buy-to-let mortgage, I can help whatever your credit history. After working within the mortgage industry since 2020, I have gained deep and extensive knowledge of the mortgage market working at several firms around the Manchester area. Originally, I started off working in an admin role and progressed to being a mortgage adviser over time. Currently, I provide whole-of-market mortgage advice that’s personalised to what works best for you and your situation. In the past I have specialised in providing Buy to Let mortgages to my clients and have recently become a self employed mortgage and protection adviser under Mortgage experience, I can offer clients a more tailored, flexible service. Whether you're a first-time buyer, looking to remortgage, or expanding a property portfolio, I am here to find the right solution that works for you. Areas of expertise:
• Buy to Let (individual, Ltd company, HMO’s)
• Adverse Credit
• Debt Consolidation
• First Time Buyers

I am extremely passionate about helping to guide my clients through the mortgage process as seamlessly and straightforward as possible. If you are looking for no-nonsense mortgage advice from someone who genuinely cares about getting it right for you — let’s talk

05/11/2026

🚨 INTEREST RATES ARE BACK ON THE RISE. COULD YOUR MORTGAGE BE AFFECTED?

The Bank of England has increased the base rate by 0.25 percentage points, taking it from 3.75% to 4%.

So, what does this mean for your mortgage?

It depends on the type of mortgage you have and when your current deal is due to end.

🏡 ON A FIXED RATE?

If you're currently on a fixed rate, your monthly mortgage payment won't change as a direct result of today's increase. However, you may want to start reviewing your options if your deal is due to end within the next six months.

📈 ON A TRACKER MORTGAGE?

Your payments could increase as your mortgage rate may move in line with the Bank of England base rate, depending on your lender's terms.

🔍 ON YOUR LENDER'S STANDARD VARIABLE RATE?

Your lender may decide to increase its rate, which could mean higher monthly payments.

DON'T WAIT UNTIL YOUR CURRENT DEAL ENDS TO EXPLORE YOUR OPTIONS.

At Mortgage Experience, our advisers can review your circumstances, search the mortgage market and help you understand what options may be available.

Whether you're approaching the end of a fixed rate, currently on a tracker or simply unsure what today's announcement means for you, we're here to help.

📞 01257 226654
📧 [email protected]
🌐 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

02/11/2026

🏡 DON’T LET A DEPOSIT BECOME A BRICK WALL.

Your proven rental payments could help you take the next step towards owning your own home.

If you’re paying rent every month but struggling to save enough for a deposit, you may have more options than you think.

There are mortgage schemes and lender options that could help eligible buyers get onto the property ladder with a smaller deposit, depending on their circumstances and the lender’s criteria.

At Mortgage Experience, we’ll help you understand your options and explore what might be possible for you.

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

27/10/2026

YOUR MORTGAGE IS PROTECTED. BUT ARE YOU?

It’s easy to focus on protecting your home and making sure the mortgage gets paid. But have you thought about what would happen financially if you were diagnosed with a serious illness?

Critical Illness Cover can provide a tax-free lump sum if you’re diagnosed with a specified critical illness covered by your policy.

That money could help you:
🔹 Keep up with your mortgage and household bills.
🔹 Cover everyday living costs.
🔹 Replace lost income while you recover.
🔹 Give you and your family greater financial breathing space.

You can’t predict what life will throw at you, but you can think about how you’d cope financially if the unexpected happened.

If you’ve never reviewed your protection, it could be worth finding out what options are available to you.

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

22/10/2026

🏠 ONLY GOT A 2% DEPOSIT?

You might think that means getting a mortgage is out of reach, but that isn’t necessarily the case.

Depending on your circumstances, affordability and the lender’s criteria, there may be mortgage options available with a deposit of just 2%.

For First Time Buyers especially, it’s worth understanding what you may be able to borrow before assuming you need to save for years to build a bigger deposit.

The amount you can borrow and the mortgage options available will depend on your individual circumstances and lender criteria.

If you’re wondering whether your deposit could be enough to get you moving, our team can help you understand your options.

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

12/10/2026

💳 HAD A FEW CREDIT PROBLEMS IN THE PAST?

A late payment, default, CCJ or historic arrears doesn’t necessarily mean you can’t get a mortgage.

What matters is the detail behind your credit history and, importantly, your circumstances today.

Lenders can consider factors such as:
🔹 What happened and why
🔹 How recent the issue was
🔹 Whether outstanding balances have been settled
🔹 Your current income and affordability
🔹 Your deposit and overall financial position

Every lender has different criteria, so a previous credit issue doesn’t always tell the full story.

If you’ve been told “no” before, or you’re worried your credit history could hold you back, it could be worth speaking to a mortgage adviser before assuming your options have run out.

📞 01257 226654
✉️ [email protected]
🌐 www.mortgage-experience.com

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

08/10/2026

🏠 THINKING ABOUT BUYING AN HMO?
An HMO can be an attractive property investment, but financing one isn’t always as straightforward as a standard Buy to Let.

Lenders can look at a range of factors when assessing an HMO mortgage, including:
🔹 The number of bedrooms and tenants
🔹 The property type and location
🔹 Expected rental income
🔹 Your experience as a landlord
🔹 Your personal and/or business circumstances
🔹 Whether the property is owned personally or through a limited company

Whether you’re purchasing your first HMO or adding another property to an existing portfolio, getting the right mortgage structure can make an important difference.

At Mortgage Experience, we can help you understand the mortgage options available and guide you through the process from initial enquiry to completion.

Looking to purchase an HMO? Speak to our team to discuss your plans.

📞 01257 226654
✉️ [email protected]
🌐 www.mortgage-experience.com

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

29/09/2026

Prime Minister Andy Burnham has announced a new government scheme called ‘Your First Home’, aimed at helping first-time buyers who may struggle to save a larger deposit.

Here’s what we know so far:
🔑 First-time buyers could purchase a new-build home with a deposit of just 2.5%.
💷 The scheme is expected to provide a government-backed equity loan of up to 20% of the property value.
📊 An initial interest-free period is planned for the equity loan.
🏡 The scheme will be targeted at buyers who may not have access to financial help from family, with household income and local property price caps expected to apply.

The important bit: the scheme has been announced, but the full eligibility criteria and implementation details have not yet been confirmed. Further details are expected in the October Budget.

So, if you’re a first-time buyer who has been finding the deposit hurdle difficult, this is certainly one to keep an eye on.

We’ll share more information as the details become clearer.

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

28/09/2026

ONE DAY, YOUR INCOME WILL STOP. HAVE YOU PLANNED FOR IT?

It’s not something any of us particularly want to think about. But if your income helps keep your family’s life running, what would happen if it suddenly disappeared?

Family Income Benefit can provide your loved ones with a regular monthly income if you die during the policy term, helping towards the mortgage, household bills, childcare and everyday living costs.

Rather than leaving your family to face a large financial change all at once, it can provide ongoing financial support when they need it most.

Because protecting your family isn’t just about protecting your home. It’s about protecting the life you’ve built together.

If you haven’t reviewed your protection recently, it could be worth finding out what options are available.

📞 01257 226654
✉️ [email protected]
🌐 www.mortgage-experience.com

Please note for these insurance products, terms and conditions apply.

24/09/2026

☀️ Summer is winding down and Christmas will be here before we know it.

If moving home is on your mind, now could be a good time to start exploring your mortgage options.

Getting things in place early can give you a clearer idea of what you could afford, what your options are and how much time you have to find the right home.

So, if you’d love to be settling into a new home before Christmas, why not start the conversation now?

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

17/09/2026

The Bank of England has announced that the base rate will remain at 3.75%.

If your fixed rate is not due to end within the next 6 months, this change won’t affect you until your fixed period comes to an end.

However, if your current rate is due to end within the next 6 months, it’s important to get in touch with a member of the team as soon as possible.

If you’d like to discuss your options, simply contact the team using any of the methods below👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Source: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

Address

Ashton-Under-Lyne

Website

https://www.mortgage-experience.com/mortgage-brokers-greater-manchester/

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