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LR Finance

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LR Finance

Wigan-based Mortgage & Insurance Services
Providing professional, helpful & friendly advice since 1996. The FCA does not regulate some forms of Buy to Lets.

LR Finance is a trading style of LR Finance (North West) Ltd, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Think carefully before securing other debts against your home/property. The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers ba

sed in the UK. LR Finance (North West) Ltd is registered in England under company registration number: 7884082. Registered Office Address: 30 Hallgate, Wigan, Greater Manchester, WN1 1LR. Like many other providers of professional services your initial meeting is at our expense. At the initial meeting, we will discuss your mortgage and/or insurance needs and then look into which products would be the most suitable. Initial consultation is free of charge. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £140 to £400 and this will be discussed and agreed with you at the earliest opportunity. If you feel confident and comfortable with our proposition and you do decide to take our advice our services, all fees, charges, and commission will be discussed and confirmed to you. Typically, when we arrange a purchase, we charge £400. Payment is split into £200 on application and £200 upon receipt of your formal mortgage offer. Remortgage payment is split into £100 on application and £300 upon receipt of your formal mortgage offer and product transfer £140 at application for mortgages. Your home is at risk if you do not keep up the repayments on a mortgage or loan secured on your home.

20/08/2026

Could your family keep the home if the unexpected happened? 🏡

A mortgage can last for decades, but a household’s income can change very quickly.

Illness, a serious diagnosis, redundancy or the death of a loved one can each create different financial pressures. No single insurance policy will necessarily protect against every situation.

Depending on your circumstances, protection could include:

• Income protection if illness or injury prevents you from working
• Critical illness cover following a qualifying diagnosis
• Life insurance to support those left behind
• Short-term accident, sickness or unemployment cover

It is also important to consider your savings, workplace benefits, household expenses and any existing protection already in place.

Reviewing your arrangements does not always mean taking out more insurance. It may confirm that your current cover remains suitable, identify unnecessary duplication or highlight a potential gap.

To review how your household finances could be affected if the unexpected happened, speak to LR Finance.

📞 01942 739999
📧 [email protected]
🌐 lrfinancenw.com

https://lrfinancenw.com/could-your-family-keep-the-home-if-the-unexpected-happened/

Terms, conditions, exclusions and eligibility criteria apply.

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

12/08/2026

Could hotter summers change what you look for in your next home? ☀️🏡

When viewing a property, most buyers consider its location, layout, energy efficiency and heating costs. As periods of extreme heat become more common, it may also be worth considering how comfortable the home will be during the summer.

Large unshaded windows, glass extensions, limited ventilation and bedrooms directly beneath the roof can all contribute to overheating.

Before making an offer, you may want to consider:

☀️ Which rooms receive the most direct sunlight
🪟 Whether windows can be opened safely
🌿 Whether there is effective shade around the property
🌙 How quickly the home cools down overnight
🏠 Whether any improvements may be needed to manage heat

A property viewing may not reveal how a home performs during a prolonged hot spell, so asking the right questions could help you make a more informed decision.

Read the full article on the LR Finance website.

Planning your next move? Speak to our friendly team about your mortgage options.

📞 01942 739999
📧 [email protected]
🌐 lrfinancenw.com

https://lrfinancenw.com/could-hotter-summers-change-what-you-look-for-in-your-next-home/

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

08/08/2026

💜 Another lovely review for the LR Finance team!

“Really helpful, friendly and informative service. Gave good advice and timely updates. Good communication. Would recommend to others seeking mortgage advice.”

Thank you, Caroline, for taking the time to share your feedback. It’s great to hear that you felt well informed and supported throughout the process.

If you’re looking for friendly, professional mortgage advice, our team is here to help.

📞 01942 739999
🌐 lrfinancenw.com

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

07/08/2026

A new First Time Buyer ISA is being planned 🏡

The Government has proposed a new savings account designed specifically to help first-time buyers build a deposit.

Under the current plans, the new account would be available from age 18 with no upper age limit. Savers could also withdraw their own contributions without facing the withdrawal charge currently associated with a Lifetime ISA.

However, the scheme is still at the consultation stage. Important details have not yet been confirmed, including:

• The Government bonus
• The annual savings allowance
• The maximum eligible property price
• When the new account will launch

Existing Lifetime ISA holders would not be required to close their accounts and could continue saving under the current rules.

Saving a deposit is only one part of preparing to buy your first home. Reviewing your likely mortgage affordability, credit commitments, purchase costs and deposit options early can help you understand what may be achievable.

Speak to LR Finance if you are planning your first home purchase and would like help reviewing your mortgage options.

📞 01942 739999
📧 [email protected]
🌐 lrfinancenw.com

https://lrfinancenw.com/new-first-time-buyer-isa-planned-and-what-it-could-mean-for-aspiring-homeowners/

There may be a fee for mortgage advice. The precise amount of the fee will depend on your circumstances.

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

03/08/2026

Could your mortgage payments increase when your current deal ends?

More than five million households are expected to face higher mortgage repayments by the end of 2028.

For some homeowners, the increase could be significant, particularly for those moving from an older fixed rate below 3%.

Starting your mortgage review around six months before your current deal ends can give you more time to:

🔍 Compare your existing lender with other available options
🔒 Explore whether a new rate can be secured in advance
💷 Consider the overall cost, including rates, fees and incentives
🏡 Review any changes to your income, property value or future plans
📅 Avoid leaving things until the final few weeks

A lower headline rate is not always the cheapest option overall, so it is important to consider the complete cost and features of each mortgage.

If your deal is due to end within the next six months, speak to the LR Finance team about reviewing your options.

📞 01942 739999
📧 [email protected]
🌐 lrfinancenw.com

https://lrfinancenw.com/five-million-homeowners-face-higher-mortgage-payments-and-why-it-pays-to-plan-six-months-ahead/

There may be a fee for mortgage advice. The precise amount of the fee will depend on your circumstances.

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

27/07/2026

🏡 Congratulations to Linzi and her family on their new home! 💜

After 13 months from making their offer to finally completing, we’re delighted to have helped secure their mortgage and insurance.

Linzi told us that the regular updates, advice and new mortgage offers made what could have been a daunting process feel much simpler and more reassuring.

Thank you for choosing LR Finance and for sharing this lovely photo, even if the renovations are still underway! We wish you all many happy years in your new home.

Thinking about moving home, remortgaging or reviewing your protection? Our friendly team is here to help.

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

26/07/2026

A fantastic day of junior golf yesterday at Haydock Park Golf Club for the 2026 Wigan and District Junior Victory Trophy. ⛳🏆

LR Finance were proud to again sponsor the Hindley Hall junior golf team for the prestigious Victory trophy evet.

The event brought together talented junior golfers from all seven member clubs, celebrating the skill, camaraderie and team spirit developing across the district.

The Hindley Hall team represented the club brilliantly, both on and off the course, and did everyone proud. It was also lovely for Elanor and Bryan to meet the players, their families, Club Captain Stephen Davies and Lady Captain Kay Bibby. Many of the families are long-standing LR Finance clients, which made the occasion even more special.

Congratulations to everyone who took part, including the individual and team prize winners. A huge well done to the organisers for creating such a welcoming and memorable event.

We are delighted to continue supporting local junior golf. Who knows, one of these talented young players could be the next Rory McIlroy!

23/07/2026

Could proposed mortgage rule changes make borrowing more flexible? 🏡

The Financial Conduct Authority is reviewing whether mortgage lenders should have more flexibility when assessing people whose circumstances do not fit neatly into traditional lending criteria.

The proposals could potentially help first-time buyers, self-employed people, borrowers with variable income, older homeowners and those with historic credit issues.

Nothing has changed yet, and affordability checks would remain an important part of every mortgage application. The proposals are about allowing lenders to take a more rounded view of a borrower’s current circumstances, rather than weakening responsible lending standards.

If you are thinking about buying your first home, remortgaging, moving home or applying with more complex circumstances, speaking to a mortgage adviser early can help you understand your current options and prepare for an application.

Read the full article here:

https://lrfinancenw.com/what-the-proposed-mortgage-rule-changes-could-mean-for-you/

📞 01942 739999
📧 [email protected]

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

There may be a fee for mortgage advice. The precise amount of the fee will depend on your circumstances.

Think carefully before securing other debts against your home/property.

21/07/2026

Another fantastic review for Gemma and the LR Finance team 💜

“Very helpful and friendly throughout our application. Emails were replied to and phone calls returned. Gemma was very helpful throughout and made everything easy.

10/10. Brilliant, excellent.”

Thank you, Michael, for taking the time to share your feedback. We are delighted to hear that Gemma was able to make the process straightforward and provide the support you needed.

For friendly, professional mortgage and protection advice, speak to the LR Finance team.

📞 01942 739999
🌐 lrfinancenw.com

17/07/2026

Another wonderful review for Matthew and the LR Finance team 💜

“Matthew and the team were amazing. We couldn’t fault them for all the support we were given.

We are very grateful for all the help we received.

Thank you so much.”

Thank you to Lee, Denise and the family for your lovely comments. It means a great deal to know that you felt supported throughout your journey.

For friendly and professional mortgage and protection advice, speak to our team.

📞 01942 739999
🌐 lrfinancenw.com

Address

30 Hallgate
Wigan
WN11LR

Opening Hours

Monday	9:30am - 5pm
Tuesday	9:30am - 5pm
Wednesday	9:30am - 5pm
Thursday	9:30am - 5pm
Friday	9:30am - 5pm
Saturday	10am - 3pm

Telephone

+441942739999

Website

https://www.lrfinancenw.com/

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