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Black & Gold Financial Services Limited

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Black & Gold Financial Services Limited

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

02/11/2026

❄️ We all loved the idea of a white Christmas, snow days, and lots of fun! But… do our homes love it? You can make sure you’re prepared ❄️

What are you doing to prepare your home for the challenges colder weather brings?

Burst pipes and boiler breakdowns are more likely during the colder months, but the majority of home insurance policies don’t cover these emergencies…what does your cover include?

Let us help you find out.

0161 250 1470

02/11/2026

We've been working on something behind the scenes... 👀

Something exciting is coming to Black & Gold Financial Services, and we can't wait to share it with you.

That's all we're saying for now. But if you've been thinking about getting your affairs in order & planning for the future, keep an eye on this space over the coming days.

Trust us, it'll be worth the wait. ✨

Curious already? Give us a ring on 0161 250 1470

02/11/2026

🏡 Own more than one limited company for your buy-to-let properties?

Good news for landlords! 🎉

One of the UK's largest buy-to-let lenders has just relaxed its criteria, making it easier for landlords who own properties through multiple limited companies to access mortgage finance.

Previously, directors and shareholders could be restricted to having just one limited company with this lender.

That's now changed! 🙌

✅ Landlords can now have mortgages across multiple limited companies (SPVs) with the same lender.

✅ More flexibility for landlords looking to expand or restructure their portfolios.

✅ Greater options for those investing alongside different business partners.

This is a welcome change for portfolio landlords who want more flexibility in how they manage their property investments, whilst still achieving competitive interest rates.

📩 Have properties across multiple limited companies? Get in touch to see what mortgage options could be available to you!

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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.

01/11/2026

Think you need years of saving to buy your first home? Think again 🏡

The new 'Your First Home' scheme is here, and it's a game-changer for first-time buyers:

✅ Just a 2.5% minimum deposit

✅ 20% government equity loan, interest-free for the first five years

✅ For new-build homes in England

✅ Pre-registration opens late December 2026, applications February 2027

✅ Income caps of £110,000 (£140,000 in London)

So if you've been waiting to save a big deposit, this might change your maths ✨

📩 Drop me a message for a friendly chat about your options, or call us on 0161 250 1470. Let's see what's possible for 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. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

31/10/2026

🎃 The scariest thing this Halloween? The rate you're not checking.

Whilst everyone's talking about ghosts and ghouls, there's something far scarier lurking in the shadows: the Standard Variable Rate.

If your fixed or introductory deal has ended, your lender quietly moves you onto their Standard Variable Rate, often without you even noticing. And it can cost you hundreds of pounds more every single month. 👻

Don't let your mortgage haunt you. A quick check could save you a frightening amount:

✅ Find out when your current deal ends

✅ Check what rate you're paying now

✅ Compare what's available and see what you could save

Whether you're ready to remortgage now or your deal ends in the next six months, a quick conversation now could make all the difference.

📩 Message me for a friendly chat, or call 0161 250 1470. No tricks, just honest advice. 🎃

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.

31/10/2026

"I don't need insurance..." - Until you do.

It's easy to say, "I don't need insurance. I'm healthy, I'm fine, and it won't happen to me."

And hopefully, it won't. ❤️

But what if life had other plans?

🏡 Your mortgage still needs paying.

💷 Your bills don't stop.

👨‍👩‍👧 Your family still needs supporting.

💰 And your savings? They could disappear quicker than you think.

Here's the reality: £5.15 BILLION was paid out in individual life insurance, critical illness and income protection claims in the UK during 2025.

📈 97.9% of individual protection claims were paid in 2025.

That's financial support reaching people when life didn't go to plan.

So, here's one question worth asking yourself:

If your income disappeared tomorrow, how long could you and your family manage financially?

A week? A month? Six months?

If you're not sure, isn't it worth finding out before you need the answer?

You don't need to have all the answers today. You just need to take the first step.

📩 Send me a message for a friendly chat about your options. Let's see what you already have in place, identify any gaps and explore what you could do to protect your financial future.

Because the best time to think about protection is while you still have the choice.

31/10/2026

🎃 Don't let your finances become a fright!

From mortgages and protection to planning for your future, getting the right financial advice can help take the fear out of the unknown.

No tricks, just the right advice to help you feel confident about what's ahead.

Happy Halloween from all of us at Black & Gold Financial Services! 🖤

30/10/2026

Buy-to-let mortgages could need as low as a 25% deposit, so if you’re keen to invest in property and have enough money accumulated for a deposit, get in touch today to see if we could help you secure a suitable deal.

0161 250 1470

SOME BUY TO LET MORTGAGE ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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.

30/10/2026

WE’RE RECRUITING! 🚨

Trainee Mortgage & Protection Adviser

Have you recently completed your CeMAP qualifications but are struggling to find an opportunity to get started in the mortgage industry?

At Black & Gold Financial Services, we’re looking for a hardworking, ambitious individual to join our growing business.

No previous industry experience is required.

We’re looking for someone who is driven, self-motivated and genuinely wants to build a successful career in mortgages and protection.

What we’re looking for:

* Fully CeMAP qualified (essential)
* Self-motivated, driven and hardworking
* Organised and able to manage your own time effectively
* Excellent communication and people skills
* Willingness to learn and develop
* A positive attitude and strong work ethic
* Someone who’s prepared to put in the effort to build their own success
* Confident with technology, with strong computer skills and the ability to learn and use CRM systems, Microsoft Office and other digital platforms effectively.
* Proactive in generating new business, with the confidence, drive and determination to identify opportunities, build relationships and develop their own client base.
* Comfortable using social media for business development, with a willingness to build their professional presence, promote their services and actively engage with potential clients.

What we offer:

* Competitive commission split
* Full training and ongoing support
* One-to-one mentoring
* Support towards achieving CAS status
* Remote working
* A supportive team environment
* The opportunity to develop and grow your own business

The position:

Full-Time | Self-Employed | North West England

We know how difficult it can be to get your foot in the door when you’re newly qualified.

We’re happy to invest the time and training in someone who’s prepared to invest in themselves.

If you’re ambitious, hardworking and ready to take the first step towards building a successful career, we’d love to hear from you.

To apply, please email your CV to:

[email protected]

Please feel free to share this opportunity with anyone who may be interested.

30/10/2026

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳 Here are a few ways you could improve your credit score:

✅ Register on the electoral roll.

✅ Pay bills and credit repayments on time.

✅ Keep credit card balances low.

✅ Avoid making multiple credit applications in a short period.

✅ Check your credit report for any errors.

🏡 But what if your credit score still isn't quite high enough?

There's some good news!

I have access to a lender offering a specialist mortgage range called Reach, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

✨ Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

📩 Don't rule yourself out! Drop me a message and let's explore what's possible.

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

https://linktr.ee/blackandgoldfs, http://www.blackandgoldfinancialservices.co.uk/

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