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 based 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.

🏡 Bank Rate hasn’t moved, so why are new fixed mortgage deals getting more expensive?Mortgage pricing is influenced by m...
14/10/2026

🏡 Bank Rate hasn’t moved, so why are new fixed mortgage deals getting more expensive?

Mortgage pricing is influenced by more than today’s Bank of England rate. Lenders’ funding costs and market expectations about future interest rates and inflation also affect the deals they offer.

That means new fixed mortgage rates can rise even when Bank Rate stays the same.

If you already have a fixed-rate mortgage, your agreed interest rate normally stays unchanged until your deal ends, subject to your mortgage terms.

But if you’re buying, moving home or approaching the end of your current deal, it helps to understand the options available, including fees, monthly repayments and the overall cost.

At LR Finance, we can review your circumstances and help you compare your mortgage options, so you can make an informed decision.

📞 Call 01942 739 999 to speak to our team.

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

🍂🏡 Thinking about moving home this autumn?Buyers could have more choice. According to Rightmove, the number of homes ava...
10/10/2026

🍂🏡 Thinking about moving home this autumn?

Buyers could have more choice. According to Rightmove, the number of homes available for sale is at its highest level for this time of year in 12 years.

That may create more opportunities to negotiate, although the property and local market will still influence what’s possible.

Before you fall in love with your next home, it helps to understand:

✅ How much you may be able to borrow.
✅ What your monthly mortgage repayments could look like.
✅ How much to set aside for purchase fees and moving costs.

At LR Finance, we can help you explore your mortgage options and understand your budget, so you can begin your property search feeling better prepared.

Borrowing is subject to lender criteria and affordability assessments.

📖 Read our latest blog

📞 Call 01942 739 999 to discuss your plans.

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

Mortgage deal ending in February? 🏡It may feel a little way off, but now could be a good time to start reviewing your op...
10/10/2026

Mortgage deal ending in February? 🏡

It may feel a little way off, but now could be a good time to start reviewing your options.

Looking early can give you more time to:

• Understand what rates and deals may be available
• Compare staying with your current lender against remortgaging
• Consider any fees, incentives and overall costs
• Review any changes to your income, borrowing or future plans
• Avoid having to make a rushed decision closer to the end of your deal

You may also be able to secure a new deal in advance, depending on your lender and circumstances.

If your mortgage is due to end in February, speak to LR Finance and we can help you review your options.

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.

Another happy homeowner!It’s always lovely to hear from clients once they have picked up the keys and settled into their...
09/10/2026

Another happy homeowner!

It’s always lovely to hear from clients once they have picked up the keys and settled into their new home.

A big congratulations to Lauren Sayer, who recently completed on her house purchase and shared this fantastic feedback with us:

⭐️⭐️⭐️⭐️⭐️

“Thank you for your support during purchasing my house. I have moved and settled in now. I had a very positive experience and will recommend to friends and family.”

Thank you, Lauren, for taking the time to share your feedback. We’re delighted we could help you through the process and wish you lots of happiness in your new home. 💜

If you’re thinking about buying a home and would like friendly, professional mortgage advice, speak to the LR Finance team.

📞 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.*

💜 Lovely feedback from Lauren!Buying a home can feel overwhelming, so having someone explain each step and answer your q...
08/10/2026

💜 Lovely feedback from Lauren!

Buying a home can feel overwhelming, so having someone explain each step and answer your questions can make all the difference.

Thank you, Lauren, for sharing these lovely words about Debbie and the LR Finance team:

“I had a very positive experience with LR Finance. Everyone was friendly and put me at ease straight away. Debbie is lovely and explained everything in a clear way and made sure I understood every step. The support I received was excellent. I would definitely recommend LR Finance to friends and family. Thank you very much!”

Lauren Sayer

It was a pleasure to help you, Lauren. Thank you for trusting us and recommending us to your friends and family. 🏡

If you’re buying your first home, moving home or looking to remortgage, get in touch with our friendly team.



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

🏡 Is your fixed-rate mortgage deal ending in the next six months?Now could be a good time to explore your options. Givin...
06/10/2026

🏡 Is your fixed-rate mortgage deal ending in the next six months?

Now could be a good time to explore your options. Giving yourself a head start means more time to compare deals, understand the costs and prepare for any changes to your monthly repayments.

An early review can help you:

✅ Compare options from your current lender and other lenders.
✅ Understand how fees and your circumstances affect your choices.
✅ Plan ahead to avoid accidentally moving onto a potentially higher standard variable rate.

Reviewing your mortgage doesn’t commit you to switching. At LR Finance, we can help you understand your options and consider what suits your circumstances before your current deal ends.

📞 Call 01942 739 999 to arrange a mortgage review.

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

🍂 Welcome to October! 🍂Autumn colours, cosy evenings and a new month ahead. We’re wishing all our clients, friends and f...
01/10/2026

🍂 Welcome to October! 🍂

Autumn colours, cosy evenings and a new month ahead. We’re wishing all our clients, friends and followers a wonderful October! 💜

Whether you’re planning a move, approaching your mortgage renewal or thinking about protection for your family, our friendly team is here to help.

Get in touch with LR Finance for a chat about your next steps.

🌐 lrfinancenw.com

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

Could your mortgage be costing you more than it needs to? 🏡Your mortgage can easily become something you stop thinking a...
21/09/2026

Could your mortgage be costing you more than it needs to? 🏡

Your mortgage can easily become something you stop thinking about once the monthly payments are set up, but circumstances and mortgage products can change.

If your current deal is approaching its end date, reviewing your options early could give you more time to make an informed decision.

A mortgage review can look at more than just the headline interest rate, including:

• What your existing lender can offer
• Alternative mortgage products available
• Product fees and other costs
• Your current loan-to-value
• Early repayment charges
• Whether your mortgage term still suits you
• How much flexibility or payment certainty you want

The mortgage with the lowest advertised rate is not always the cheapest or most suitable option once everything is taken into account.

If your current mortgage deal ends within the next six months, or you have not reviewed your mortgage for some time, speak to LR Finance.

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.

*Your home/property may be repossessed if you do not

Interest rates expected to remain on hold, but could a rise be coming?The Bank of England is widely expected to keep the...
17/09/2026

Interest rates expected to remain on hold, but could a rise be coming?

The Bank of England is widely expected to keep the base rate at 3.75% for the sixth consecutive meeting.

However, the outlook is becoming increasingly uncertain. UK inflation rose to 3.1% in August, with escalating conflict in the Middle East contributing to higher oil, fuel and energy prices.

Although no immediate change is expected, some economists now believe the Bank of England may need to consider raising interest rates in the coming months if inflationary pressures continue.

For homeowners approaching the end of a mortgage deal, this is an important reminder not to rely on rates falling. Reviewing your options early can give you more time to understand what is available and prepare for any change in repayments.

If your current mortgage deal is ending soon, speak to LR Finance to discuss your options.

📞 Contact us today to arrange a review.

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

Remortgaging? It could be a good time to review more than just your mortgage rate 🏡When your current mortgage deal comes...
16/09/2026

Remortgaging? It could be a good time to review more than just your mortgage rate 🏡

When your current mortgage deal comes to an end, it is natural to focus on what your new monthly payment might be.

But when did you last review the protection sitting behind your mortgage?

A lot can change in just a few years. You may have:

• Had children or taken on new financial responsibilities
• Changed jobs or become self-employed
• Increased your mortgage borrowing
• Extended your mortgage term
• Seen your income change
• Made significant improvements to your home

These changes could mean that life insurance, critical illness cover or income protection arranged several years ago no longer matches your circumstances.

A review does not automatically mean replacing your existing policies. In some cases, the right outcome may be that your current cover remains perfectly suitable.

If you are remortgaging, approaching the end of your current deal or have not reviewed your protection for several years, speak to LR Finance.

Protection policies have exclusions and limitations. The cost and availability of cover will depend on your individual circumstances.

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.*

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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