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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Barlow Irvin

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Barlow Irvin

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Award winning Barlow Irvin Financial Services offer professional mortgage and protection advice based in Bolton.
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Your home may be repossessed if you do not keep up repayments on your mortgage.

28/10/2026

Myth: "Bridging loans are just for property developers and flippers." Reality: while landlords and developers do use them, plenty of everyday homeowners use bridging finance too - to break a chain, buy before selling, or fund works on a property before it's mortgageable. Every situation is different, and bridging isn't the right fit for everyone. If you're weighing up your options, our team are always happy to talk it through - no obligation.

21/10/2026

The gavel falls, and suddenly you've usually got just 28 days to complete. That's rarely enough time for a standard mortgage application - which is where bridging finance often comes in. It's built for speed, with some completions possible in as little as a couple of weeks. Thinking about bidding at your next local auction? Have a chat with our team first so your finance options are ready to go.

14/10/2026

You've found your dream home, but your buyer's pulled out and the sale you were relying on has stalled. This is one of the most common reasons people come to us asking about bridging loans. Short-term finance secured against property can help cover your purchase while the sale on your end gets sorted - so one wobble in the chain doesn't have to cost you the house. Been here before, or worried it might happen to you? We can talk you through your options.

07/10/2026

Ever needed to move fast on a property but your finances weren't quite ready to keep pace? That's exactly what a bridging loan is for. It's short-term finance (usually 3-24 months) that "bridges" the gap - whether you're buying before you've sold, snapping up an auction property, or funding a renovation before refinancing. It's not the right fit for every situation, but for the right one it can be the difference between missing out and moving in. Want to find out more about how bridging finance works? Give our team a call or drop us a message on WhatsApp: https://barlow-irvin.co.uk/contact-us/

29/09/2026

Fixed or tracker? It's the question we get asked most at renewal, and there's no single right answer. A fixed rate keeps your payment the same for the length of the deal, which makes budgeting simple - but leaving early usually means an early repayment charge.

A tracker follows the Bank of England base rate, so your payment can fall as well as rise, and they often come with more flexibility to switch or overpay. Neither is the cautious choice by default. It comes down to how much certainty you need and whether you might move before the deal ends. Talk it through with us - no pressure, no obligation.

23/09/2026

It's one of the most common situations in probate: two or three siblings inherit a house, one wants to keep it, and the others need to be bought out.
That means releasing money from the property, which usually means selling, or raising finance against it. Some families also use this route to cover the cost of doing up a tired property before selling, rather than taking a lower offer on a house that needs work. If you're navigating an inherited property with more than one beneficiary, we can talk you through the options.

Message us or call 01204 304 814

22/09/2026

Here's something worth checking before you renew. Lenders price their mortgages in loan-to-value bands - 90%, 85%, 80%, 75% and so on - and the lower the band, the better the rates available to you.

Since you last fixed, two things may have moved in your favour: you've paid down some of the balance, and the property may be worth more than it was. Together, those can be enough to cross into a cheaper band. It's a simple thing to check, and it can make a real difference to what you're offered. Want us to work out where you sit?

Get in touch to learn more.

16/09/2026

Can I just sell the house and deal with probate after?
It's one of the most common questions we hear from executors, and the honest answer is usually no.
You generally need the grant of probate before you can complete the sale of a property that was solely in the deceased's name. And you often need to pay any inheritance tax due before that grant is issued.
Call 01204 304 814 for more support.

15/09/2026

A lot of people assume remortgaging is a formality once you've paid your mortgage on time for a few years. If you're moving to a new lender, it isn't. They'll look at your income and employment, your outgoings and any credit commitments, your credit file, and what the property is worth now.

Staying with your existing lender on a product transfer is usually a lighter-touch process. Which route suits you depends on what's changed since you last applied. If your circumstances have shifted - new job, self-employment, a bigger family - it's worth a conversation before you start.

Give us a call on 01204 304 814 and we'll talk it through.

14/09/2026

A lovely gift arrived at the office this morning from a couple who have spent the weekend moving into their first home.

They picked up the keys last week, and sent it over to say thank you to the team who got their mortgage over the line. The perfect way to start another busy week, with a brew and posh biscuit.

First time buying is a strange thing to go through. You spend months saving, then a few weeks handing over numerous payslips and bank statements, and for most of that time you have no real idea whether you are on track or nowhere near it.

So a lot of people wait. They decide they need a bigger deposit, or another year in the same job, or a tidier few months on the statements, and they put off speaking to anyone until they feel ready. Ready keeps moving.

The first conversation is not the application. It is working out where you actually stand: what you could realistically borrow, what would change that figure, and which of the things you are worried about genuinely matter to a lender.

Sometimes the answer is not yet, and that is still worth knowing. You get something to work towards instead of a guess.

If you are saving for your first home and aren't sure whether it is too early to ask, it's not. Get in touch with our friendly team and we will give you a straight answer on where you stand.

Address

546 Blackburn Road, Astley Bridge
Bolton
BL18NW

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+441204304814

Website

http://www.barlow-irvin.co.uk/

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