Barlow Irvin

Barlow Irvin 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.

Thinking of leaving your fixed deal before it ends? There's usually a charge for it. An early repayment charge, or ERC, ...
08/09/2026

Thinking of leaving your fixed deal before it ends? There's usually a charge for it. An early repayment charge, or ERC, is a fee your lender applies if you exit a fixed rate early - normally a percentage of what you still owe, and it often steps down with each year of the deal.

That doesn't automatically mean staying put is the right call. If the saving from a new rate outweighs the charge, moving early can still work out. You just need both numbers in front of you before you decide. Send us the details of your current deal and we'll work out whether it stacks up.

Call 01204 304 814 for more information.

When someone passes away and leaves an estate that includes property, families often assume they can simply sell the hou...
02/09/2026

When someone passes away and leaves an estate that includes property, families often assume they can simply sell the house and settle everything from the proceeds. Here's the catch: in most cases HMRC expects the inheritance tax to be paid before probate is granted. Without probate, you can't sell the property or access the estate's funds.

If you're an executor facing an inheritance tax bill and the money is tied up in property, get in touch. No pressure, no jargon, just a straightforward conversation about your options. Bridging finance is a short-term loan secured against property.
Your property may be repossessed if you do not keep up repayments.
Call 01204 304 814 or message us

Myth: remortgaging means starting completely from scratch, big fees and all. Reality: for a lot of people it's a straigh...
27/08/2026

Myth: remortgaging means starting completely from scratch, big fees and all. Reality: for a lot of people it's a straightforward process, especially if you're staying with the same lender via a product transfer, or moving to a new one with support along the way. It doesn't have to mean your current deal ending badly, either - you can often lock in a new rate well before that happens. If your fixed rate is coming up for renewal, get in touch and we'll walk you through what your options actually look like.
Get in touch for a walkthrough

Fixed your mortgage between 2021-2024? You may be in for a bit of a jump when that deal ends. Rates have moved a lot sin...
25/08/2026

Fixed your mortgage between 2021-2024? You may be in for a bit of a jump when that deal ends. Rates have moved a lot since then, and a lot of people are seeing their monthly payments rise if they don't plan ahead. The key is not to wait until the last minute - comparing your options a few months early gives you time to find the best deal for your situation. Want to chat to an expert about your options? We're here to help - no pressure, no obligation.

There's less than 6 months left of 2026, so if your fixed rate ends before the end of the year, now's the time to start ...
20/08/2026

There's less than 6 months left of 2026, so if your fixed rate ends before the end of the year, now's the time to start looking. Most lenders will let you reserve a new rate months in advance - so you're protected if rates move, without having to rush a decision at the last minute. The alternative is drifting onto your lender's standard variable rate, which is sitting well above most fixed deals right now. Not sure exactly when your deal ends? Check your original mortgage offer or give us a shout and we'll help you find out.
Call us on 01204 304 814

Your fixed rate mortgage doesn't just disappear when it ends - if you do nothing, you're moved onto your lender's standa...
17/08/2026

Your fixed rate mortgage doesn't just disappear when it ends - if you do nothing, you're moved onto your lender's standard variable rate (SVR), which is currently averaging around 7%. For a lot of people that's a real jump from the rate they fixed at a few years ago. The good news: you don't have to wait for that to happen. Most lenders let you lock in a new deal up to 6 months before your current one ends. Know roughly when your fixed rate is up? It's worth getting the ball rolling early. Give our team a call or drop us a message to talk through your options: https://barlow-irvin.co.uk/contact-us/

Some purchases are smooth. This one wasn’t, and that’s exactly when having someone in your corner matters.Here’s what th...
14/08/2026

Some purchases are smooth. This one wasn’t, and that’s exactly when having someone in your corner matters.

Here’s what they said 👇

“They provided exceptional support throughout what was often a complex and challenging process… What impressed us most was their determination and persistence. Despite several obstacles along the way, they remained proactive, finding solutions and liaising with lenders, solicitors and estate agents to achieve a successful outcome. Having such a dedicated and knowledgeable broker made all the difference.”

When things get complicated, it just means rolling our sleeves up and keeping at it until it’s sorted. Really pleased we got there for them.

Need a friendly broker to help with your finance options? Get in touch today.

Let's clear up a few first-time buyer myths. Myth: you need a 20% deposit to get a mortgage. Truth: 95% mortgages are wi...
11/08/2026

Let's clear up a few first-time buyer myths. Myth: you need a 20% deposit to get a mortgage. Truth: 95% mortgages are widely available, meaning a 5% deposit could be enough. There are even some lenders who have deals with just a £5,000 deposit on properties up to £500,000. Myth: your student loan will stop you getting approved. Truth: it's factored into affordability, but rarely a dealbreaker on its own. Myth: first-time buyer schemes are only for young people. Truth: there's no upper age limit - if you've never owned a home, you may qualify. Got a question about being a first time buyer? Ask us.
Email [email protected]

Here's one a lot of first-time buyers don't realise exists: with a small number of lenders, it isn't about saving a perc...
10/08/2026

Here's one a lot of first-time buyers don't realise exists: with a small number of lenders, it isn't about saving a percentage of the price at all - a flat £5,000 deposit could be enough to buy, on properties worth up to £500,000.
These are high loan-to-value deals (you're borrowing up to 99% of the property's value), so the criteria are tighter and they won't suit everyone, but for renters who can comfortably manage the monthly payments and have been stuck saving for years, they can knock a long time off the wait.
Want to know if one of these could work for you? Give our expert team a call or drop us a message on WhatsApp.

Building a deposit is often the hardest part of buying your first home. A Lifetime ISA (LISA) is one option - save up to...
03/08/2026

Building a deposit is often the hardest part of buying your first home. A Lifetime ISA (LISA) is one option - save up to £4,000 a year and the government adds a 25% bonus, up to £1,000 annually, which can go towards a home costing £450,000 or less. A gifted deposit from family is another route many buyers use. Whichever way you're building your deposit, it's worth understanding how lenders view it before you apply. Questions about your own situation? We're happy to talk it through.

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

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