Black & Gold Financial Services Limited

Black & Gold Financial Services Limited Black & Gold Financial Services, mortgage & protection advisers. Local financial services you can trust. Financial service

Could Your Family Be Left Unprotected by a Common Insurance Misconception? 🧐Many people believe that if they have Termin...
10/06/2026

Could Your Family Be Left Unprotected by a Common Insurance Misconception? 🧐

Many people believe that if they have Terminal Illness Cover, they are also protected for a critical illness diagnosis. Unfortunately, this isn't the case.

We've recently spoken to clients who were surprised to learn that:

• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.

• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, or other conditions listed in the policy.

• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.

Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.

We're offering a complimentary protection review to help you understand your existing cover and ensure your family is properly protected.

👉📞 Call us on 0161 250 1470 or message us to arrange your review.

Is your family growing? Is it time to change that spare room into an extra bedroom?How can a homeowner loan help?Low rat...
10/06/2026

Is your family growing? Is it time to change that spare room into an extra bedroom?

How can a homeowner loan help?

Low rates
All credit history is considered
Longer repayment terms
Can help improve your credit rating
Give our friendly team a call on 0161 250 1470 to see how we can ASSIST YOU!

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Is your safety net strong enough? 🛡️Many people believe that Terminal Illness Cover and Critical Illness Cover are the s...
09/06/2026

Is your safety net strong enough? 🛡️

Many people believe that Terminal Illness Cover and Critical Illness Cover are the same. Unfortunately, they aren't.

Here’s what you need to know:
• Terminal Illness Cover: Usually included in Life Insurance; pays out upon terminal diagnosis.
• Critical Illness Cover: Pays a tax-free lump sum if you are diagnosed with a specified serious condition (like a heart attack or stroke) and survive.
• Life Insurance alone may not provide support if you survive a serious illness but cannot work.

Critical Illness Cover helps ease the financial pressure of mortgage payments and bills while you focus on recovery. 🛡️

Ask yourself:
1. If I couldn't work for a year, how would I pay my bills?
2. Does my policy include Critical Illness Cover?
3. Do I know what my policy actually covers?

We're offering a complimentary review to check for gaps and ensure your family is truly protected.

📞 Call us on 0161 250 1470 for a friendly chat.

⭐️ Happy Tuesday ⭐️We’re please to share another ⭐️⭐️⭐️⭐️⭐️ review for our fantastic team! Feedback like this means the ...
09/06/2026

⭐️ Happy Tuesday ⭐️

We’re please to share another ⭐️⭐️⭐️⭐️⭐️ review for our fantastic team! Feedback like this means the world to us.

If you’re looking for expert support with your finances, we’re here to help - just get in touch.

Thinking about downsizing as your interest-only mortgage comes to an end? 🏡It’s a situation many homeowners face, but it...
09/06/2026

Thinking about downsizing as your interest-only mortgage comes to an end? 🏡

It’s a situation many homeowners face, but it doesn't have to be a source of stress. In fact, it could be the start of a brilliant new chapter!

Moving to a smaller, more manageable home is a popular way to clear that final mortgage balance using the equity you’ve built up over the years. Not only does it settle the debt, but it often means lower utility bills and less time spent on maintenance: leaving you with more time (and money) to enjoy life.

We’re helping families across Bolton and surrounding areas navigate these transitions with ease. Whether you’re looking for a cozy bungalow or a modern apartment, let’s chat about how downsizing could work for you.

Give us a call on 0161 250 1470 to discuss your options.

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.

Life is unpredictable and we never know what’s around the corner.With this in mind, have you thought about what would ha...
08/06/2026

Life is unpredictable and we never know what’s around the corner.

With this in mind, have you thought about what would happen to you or your loved ones if you couldn’t work due to illness or an accident which resulted in a loss of earnings?

Here’s 5 reasons why income protection is worth discussing with your adviser.

☔️ Don’t wait for the storm to realize your umbrella is too small.Waiting until life gets messy to look at insurance is ...
08/06/2026

☔️ Don’t wait for the storm to realize your umbrella is too small.

Waiting until life gets messy to look at insurance is a risky game. Whether it's home, life, or business protection, the best time to get covered is when the sun is still shining. ☀️

Don't be left out in the rain with a cocktail umbrella! Let’s get you properly protected today.

📞 0161 250 1470

🏡 Struggling to buy a home and need help from Mum & Dad in Worsley and surrounding areas? A Joint Borrower Sole Propriet...
08/06/2026

🏡 Struggling to buy a home and need help from Mum & Dad in Worsley and surrounding areas?

A Joint Borrower Sole Proprietor (JBSP) mortgage could be the key! It allows family members to support your application with their income: boosting affordability: without being named on the deeds. Usually, lenders cap the mortgage term based on the oldest applicant’s age, which can increase monthly payments.

But some lenders take a different approach:
✔ They can assess the term using the younger applicant’s age
✔ Lending may be available up to age 80
✔ Some even have no maximum age limit!

This could mean lower monthly payments and more borrowing potential for you.

📩 Message us to see what options are available or call 0161 250 1470.



Subject to full mortgage application.

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.

🕰️ Until someone actually builds a working time machine, you can't go back and fix the past.We often hear "I wish I'd so...
06/06/2026

🕰️ Until someone actually builds a working time machine, you can't go back and fix the past.

We often hear "I wish I'd sorted this sooner." Don't let that be you! The best day to protect your family's future was yesterday, but the second best day is today.

Put down the tinfoil and give us a call instead. No time travel required! 🚀

📞 0161 250 1470

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?Yo...
06/06/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together. Give us a call on 0161 250 1470.



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.

Address

197 Elliott Street
Tyldesley
M298DR

Opening Hours

Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6:30pm
Friday 9am - 6:30pm
Saturday 10am - 2pm

Telephone

+441612501470

Website

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