LR Finance

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.

⭐⭐⭐⭐⭐A lovely review recently received from Holly Frodsham. Thank you so much for your kind words, it really does mean a...
03/06/2026

⭐⭐⭐⭐⭐

A lovely review recently received from Holly Frodsham. Thank you so much for your kind words, it really does mean a lot to the whole team here at LR Finance.

“We cannot thank LR Finance enough for helping me and my partner secure our mortgage. From start to finish, the whole process was handled professionally, efficiently, and with genuine care.

A special mention has to go to Janet, who truly went above and beyond for us every step of the way. Nothing was ever too much trouble, and her support, communication, and dedication made what could have been a stressful process feel straightforward and manageable.

One of the biggest things Janet helped us achieve was securing a 100% mortgage through Skipton Building Society, meaning we required no deposit. This lifted a massive weight off our shoulders and made something we thought might take years suddenly feel achievable. Janet guided us through every stage and made sure we understood everything throughout the process.

We also want to say a massive thank you to Elanor and Casey for all of their hard work and support throughout. The whole team made us feel valued, supported, and looked after from day one.

If you're looking for a finance company that genuinely cares about its clients and works tirelessly to get the best outcome, we would highly recommend LR Finance. Thank you again for helping make such an important milestone possible!

We will recommend you guys to everyone 💗💗”

Thank you again Holly, it was a pleasure to help you both.

Providing professional, helpful and friendly advice since 1996.



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

Hello June 🌿A new month is a great time to take a fresh look at your plans.Whether you are thinking about moving home, r...
01/06/2026

Hello June 🌿

A new month is a great time to take a fresh look at your plans.

Whether you are thinking about moving home, reviewing your mortgage, looking at protection, or simply want to understand your options more clearly, LR Finance is here to help.

We provide professional, helpful and friendly advice, with a comprehensive range of mortgage and protection advice tailored to your circumstances.

To speak to the team, please get in touch.

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

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

Bank Holiday Weekend Opening Hours ☀️With a sunny and warm Bank Holiday weekend ahead in Wigan, we hope everyone gets ch...
22/05/2026

Bank Holiday Weekend Opening Hours ☀️

With a sunny and warm Bank Holiday weekend ahead in Wigan, we hope everyone gets chance to enjoy the lovely weather.

Please note that LR Finance will be closed from Friday 22nd May at 5pm and will reopen on Tuesday 26th May at 9am.

Any messages or enquiries received during this time will be picked up when we return.

Wishing all of our clients, friends and local businesses a lovely Bank Holiday weekend.

📞 01942 739999
📧 [email protected]
🌐 lrfinancenw.com
📍 30 Hallgate, Wigan WN1 1LR

Landlord update for EnglandIf you have tenants in place, it is important to check whether you need to send the new Rente...
16/05/2026

Landlord update for England

If you have tenants in place, it is important to check whether you need to send the new Renters’ Rights Act Information Sheet 2026.

For many existing tenancies created before 1 May 2026, landlords must provide the official government information sheet to every named tenant by 31 May 2026.

It is important to send the actual document, either as a PDF attachment or a paper copy, and to keep a record of when and how it was sent.

If changing rental rules are prompting you to review your buy-to-let mortgage, wider property plans or borrowing position, LR Finance is here to help.

https://lrfinancenw.com/landlords-must-send-the-new-renters-rights-information-sheet-to-tenants-by-31-may-2026/

📞 01942 739999
📧 [email protected]

This article is for information only and does not constitute legal or tax advice.

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

Coming soon for first-time buyers! 🏡A new £5,000 deposit mortgage is being launched soon, designed to help more first-ti...
14/05/2026

Coming soon for first-time buyers! 🏡

A new £5,000 deposit mortgage is being launched soon, designed to help more first-time buyers get onto the property ladder.

Key features include:

• Maximum property value up to £300,000
• Maximum loan up to £295,000
• 5.89% fixed for 5 years
• No product fees
• Term up to 40 years
• At least one applicant must be a first-time buyer
• High credit rating required

If you’d like to find out whether this could work for you, speak to LR Finance today.

📞 01942 739999
📧 [email protected]

🌐 lrfinancenw.com
📍 30 Hallgate, Wigan WN1 1LR

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

Subject to status, lending criteria, terms and conditions. Product details and rates may change.

Mortgage deal ending in 2026?Now could be a good time to review your options.If your current mortgage deal is due to end...
13/05/2026

Mortgage deal ending in 2026?

Now could be a good time to review your options.

If your current mortgage deal is due to end this year, it is worth looking at your next steps sooner rather than later. Leaving it too late could mean being moved onto your lender’s standard variable rate, which may be higher than a new mortgage deal.

You may be able to switch to a new deal with your existing lender, or remortgage to a new lender if a more suitable option is available.

The right choice will depend on your circumstances, including your income, mortgage balance, property value, future plans and attitude to risk.

If your mortgage deal is coming to an end within the next six months, speak to LR Finance. We can help you review your options and consider what may be suitable for you.

https://lrfinancenw.com/mortgage-deal-ending-in-2026-now-is-the-time-to-review-your-options/

📞 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.

Today, Elanor attended the B4B network meeting at Astley Point, where she spoke with other members about LR Finance and ...
08/05/2026

Today, Elanor attended the B4B network meeting at Astley Point, where she spoke with other members about LR Finance and the support we offer.

Topics discussed included opportunities for new homeowners to get onto the property ladder, especially first-time buyers with a small deposit and renters who may have little or no deposit.

It was lovely to meet so many new members from a wide range of local businesses.

At LR Finance, customer service is at the heart of what we do. We understand that every customer’s circumstances are different, which is why there is no such thing as a one-size-fits-all approach.

📞 01942 739999
📧 [email protected]

🌐 lrfinancenw.com

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

Has your life changed since you last reviewed your protection needs?Your mortgage may be one of your biggest financial c...
08/05/2026

Has your life changed since you last reviewed your protection needs?

Your mortgage may be one of your biggest financial commitments, but your wider protection needs can change over time too.

If you have moved home, changed jobs, become self-employed, started a family, increased your borrowing or taken on new financial commitments, it may be worth checking whether your existing cover still fits your circumstances.

Protection is not just about helping repay the mortgage if the worst happens. It may also help support everyday household costs, bills, childcare and other commitments if illness, injury or an unexpected change in income affects your household.

Reviewing your protection does not always mean taking something new out. It may simply confirm your current arrangements are still suitable.

https://lrfinancenw.com/has-your-life-changed-since-you-last-reviewed-your-protection-needs/

To review your protection needs, please get in touch with LR Finance.

📞 01942 739999
📧 [email protected]

Availability and cost of cover is subject to criteria such as age, lifestyle, current health and medical history.

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

Thinking about home improvements? 🏡Before taking on additional borrowing, it’s worth speaking to your mortgage adviser f...
05/05/2026

Thinking about home improvements? 🏡

Before taking on additional borrowing, it’s worth speaking to your mortgage adviser first.

Depending on your situation, there may be more suitable or cost-effective ways to fund improvements, especially if you already have equity in your home.

A quick review now could help you make a more informed decision and potentially save money in the long run.

https://lrfinancenw.com/thinking-about-home-improvements-speak-to-your-mortgage-adviser-before-borrowing-more/

📞 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.

Welcome to May 🌼A new month often brings new plans, fresh goals, and for many, a chance to review where you’re up to fin...
01/05/2026

Welcome to May 🌼

A new month often brings new plans, fresh goals, and for many, a chance to review where you’re up to financially.

Whether you're thinking about moving home, remortgaging, or just want to make sure you're on the right track, we’re here to help with a friendly, straightforward approach.

At LR Finance, we provide a comprehensive range of mortgage and protection advice, tailored to you and your circumstances.

📞 01942 739999
📧 [email protected]

Here’s to a positive and productive month ahead!

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

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

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