Adam Tosh - Mortgage Adviser

Home
United Kingdom
Heywood
Adam Tosh - Mortgage Adviser

Finding the right Mortgage for you! I have over 30 years' experience working within High Street Banks, I looked back, and thought what did I enjoy the most?

The simple answer was meeting people and helping them financially. The most memorable and rewarding interactions was supporting customers with mortgage and protection needs, helping people achieve their property dreams, helping structure debts appropriately and ensuring the right protection is in place for themselves and their family. I am delighted to return to a role where I can support customer

s directly, as a Mortgage and Protection Adviser. At Mortgage Experience, I can help source and place more solutions from a wider range of mortgage lenders and life providers. I can advise and find solutions for many circumstances, you could be a home-mover, first time buyer, your fixed rate deal is ending. We help many self-employed clients and other employment circumstances. We also support a variety of financial circumstances including low credit score, missed payments, CCJs/Bad Credit, specialist situations. Helping you to find the right financial solutions with ease, professional guidance and support is my absolute mission. I look forward to helping you. Areas of expertise:

As a whole of market mortgage & protection adviser I provide advice to my clients on all mortgage and remortgage requirements, however I do also specialise in the following areas:

• Home Movers
• Remortgages
• Rate Renewals
• First time Buyers
• Buy to Let
• Self-employed
• Bad Credit

09/09/2026

PROTECTING THEIR TOMORROW STARTS TODAY.

Life insurance is about more than financial protection.

It is about knowing that the people you love could have support if the unexpected happens.

Sometimes, the most important things we do for our family are the things they never have to think about.

If you have a mortgage or loved ones who depend on you, do you have the right protection in place?

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/protection/life-insurance/

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

07/09/2026

STRUGGLING WITH YOUR CREDIT HISTORY? YOU STILL HAVE OPTIONS. 🔍🏡

Having less than perfect credit does not mean you cannot get a mortgage.

There are specialist lenders who understand different circumstances, and with the right guidance, you may still be able to secure a suitable deal.

Rates and fees can vary, but our experienced team will help you navigate the options and find the most appropriate solution for your situation.

If you would like support exploring your options, we are here to help.

📞 07792 978938
📧 [email protected]

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

01/09/2026

IS YOUR FIXED RATE MORTGAGE COMING TO AN END?

If your current deal is nearing its end, now is the time to start reviewing your options.

Waiting too long could mean moving onto a variable rate, where payments can become less predictable and potentially more expensive.

By exploring your remortgage options early, you can secure a deal that better suits your current circumstances and future plans.

If you are unsure where to start, we are here to guide you through your options with clarity and confidence.

📞 07792 978938
📧 [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.

28/08/2026

🏠 Busy week helping clients secure their homes & financial future!

Here’s a quick look at what I’ve been working on this week:

✅ Secured mortgages for First-Time Buyers taking their first steps onto the property ladder 🔑

✅ Found tailored solutions for clients with historic credit issues 📊

✅ Locked in new mortgage deals for homeowners facing expiring fixed rates ⏱️

No matter your situation, I’m here to help navigate the mortgage market and find the right deal for you.

📩 Got a mortgage question or coming to the end of your rate? Drop me a message or get in touch today—I'm happy to help!

25/08/2026

Need a responsive Mortgage Adviser?
I can help you plan ahead, gain an Agreement in Principle, find the right Mortgage Provider for you and complete the full application. Help clients with poor credit. Access some excellent First Time Buyer offers.

Happy to help !

[email protected]
Adam Tosh - Mortgage Adviser
07792 978938

23/08/2026

Just like buses—you wait for one, and then another 5-star review comes along! 🚌⭐

Huge thanks to Gemma for taking the time to write such kind feedback. Having client reviews mention "lightning-speed responses" and "patience of a saint" truly makes my day—especially when it means getting to help multiple generations of the same family with their home journey.

Being fast, clear, and genuinely responsive is everything in a great broker-client relationship.

Hope everyone has a fantastic week ahead! If you—or any friends or family—need solid, stress-free mortgage advice:
📩 Send them my way!

[email protected]

20/08/2026

When someone asks for help with a mortgage, they aren't just looking for rates—they're inviting you into a pivotal chapter of their lives.

The journey from that first "hello" to taking personal and financial information, submitting the application, securing the Offer Letter, and finally holding the keys takes weeks, sometimes months. It’s a lot like making a new friend right when they need you most. You jump into their world, walk alongside them through a massive life milestone, and carry as much of the weight as you can until they’re safely across the finish line.

Behind every smooth experience is a mountain of behind-the-scenes work that most people never see. My goal is always to take a process that naturally comes with stress and make it feel calm, clear, and completely manageable.

Receiving a 5-star review like this from such a lovely couple means the absolute world to me. Knowing I could make this journey easier for them as they prepare to get the keys to their new home is the best part of what I do.

Wishing them every happiness in their new chapter! 🏡✨

19/08/2026

Buy-to-let is not shrinking in 2026, but it is definitely evolving.
Landlords are continuing to stay active in the market, however higher borrowing costs and tighter affordability checks are changing how portfolios are structured and refinanced.
We are seeing more landlords taking a long-term strategic approach, focusing on sustainable rental yields, stress testing, and planning refinance points earlier to protect cash flow.
At Mortgage Experience, we support landlords in reviewing their portfolios, understanding lender criteria changes, and structuring finance in a way that supports long term performance rather than short term pressure.
If you are a landlord, now is a good time to review your current mortgage position before your next refinance point.
Get in touch today to discuss your next property move:

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

Your property may be repossessed if you do not keep up repayments on your mortgage. Most Buy-To-Let Mortgages are not regulated by the Financial Conduct Authority.

17/08/2026

THE QUESTION MOST PEOPLE AVOID. ⚠️

Life insurance is one of those things people know they should sort.

But it often gets pushed down the list.

Until it is too late.

The reality is simple.

If something were to happen, would your family be financially protected?

Life insurance is not just about policies.

It is about peace of mind and protecting the people who matter most. ❤️

It can be more affordable than most people think.

If you are not sure what cover you have, or if it is enough, it is worth reviewing.

📞 07792 978938
📧 [email protected]

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

Address

Heywood
OL102PD

Website

http://www.mortgage-experience.com/advisers/adam-tosh

Alerts

Be the first to know and let us send you an email when Adam Tosh - Mortgage Adviser posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Adam Tosh - Mortgage Adviser:

Want your business to be the top-listed Finance Company in Heywood?