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

What if your deposit goal didn’t have to be tackled all at once? 🏡Try breaking it into smaller milestones:☀️ Set a clear...
02/09/2026

What if your deposit goal didn’t have to be tackled all at once? 🏡

Try breaking it into smaller milestones:

☀️ Set a clear savings target and a realistic timescale.
☀️ Turn the target into a monthly or weekly amount.
☀️ Set up a regular transfer just after payday.
☀️ Celebrate each milestone: progress matters more than perfection.

A steady habit can make a big goal feel much more manageable. You don’t need to have everything figured out before taking the first step.

Thinking about buying your first home? Black & Gold Financial Services can help you understand your mortgage options and plan your next steps with confidence.

Call 0161 250 1470.

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.

⭐️ **It’s Five Star Tuesday!** ⭐️Nothing makes us happier than seeing another 5-star review! 🖤Thank you to all our wonde...
01/09/2026

⭐️ **It’s Five Star Tuesday!** ⭐️

Nothing makes us happier than seeing another 5-star review! 🖤

Thank you to all our wonderful clients for trusting **Black & Gold FS**. ✨

Could an energy rating affect how comfortable your new home feels each month? ☀️An Energy Performance Certificate (EPC) ...
01/09/2026

Could an energy rating affect how comfortable your new home feels each month? ☀️

An Energy Performance Certificate (EPC) shows how energy efficient a property is, using a scale from A to G:

✅ A is the most energy efficient
⚠️ G is the least energy efficient

A lower rating could mean higher heating and energy bills. That’s worth considering when working out your monthly budget and what you can comfortably afford alongside your mortgage and other household costs.

Before viewing a property or making an offer, check its EPC rating and look at the suggested improvements. It doesn’t have to be perfect from day one : insulation, efficient lighting and heating upgrades can often be made over time.

A little research now can help you make a more informed decision and feel more confident about your move. If you’re planning your first purchase and would like a friendly chat about your overall affordability, call Black & Gold Financial Services on 0161 250 1470. We’re here to make the process easier to understand.



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.

Self-employed and worked a long bank holiday? 👀*Or thinking about becoming self-employed but unsure how it could affect ...
31/08/2026

Self-employed and worked a long bank holiday? 👀*

Or thinking about becoming self-employed but unsure how it could affect your mortgage options?

This one’s for you… 🏡✨

Running your own business should be reason to celebrate not a red tape hurdle for you to navigate when looking for a mortgage.

Our expert team are on hand to discuss your mortgage options as a self-employed professional.

Give us a call today to find out more 0161 250 1470

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.

Your moodboard has the sofa, the coffee table and the perfect paint colour… but has it got the full buying budget? 👀A de...
31/08/2026

Your moodboard has the sofa, the coffee table and the perfect paint colour… but has it got the full buying budget? 👀

A deposit and mortgage are important parts of buying your first home, but they’re not the only costs to plan for.

Depending on your circumstances, you may also need to budget for:

• Solicitor fees
• Surveys
• Mortgage broker fees
• Lender or valuation fees, where applicable
• Stamp Duty, where payable
• Insurance premiums
• Removals
• Furniture and decorating

Costs vary, and some may not apply to you. Planning for the wider picture can help make moving day feel much less stressful : and a lot more like the Sunday-reset vision you had in mind.

If you’re starting to think about buying your first home, we’re here to make the mortgage side easier to understand.

Call Black & Gold Financial Services on 0161 250 1470.

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.

Could 20 minutes of calm Sunday admin make your mortgage application feel much easier? ☕🏡Try this simple paperwork reset...
30/08/2026

Could 20 minutes of calm Sunday admin make your mortgage application feel much easier? ☕🏡

Try this simple paperwork reset:

1️⃣ Gather
Bring together your ID, proof of address, payslips, bank statements and details of any existing commitments.

2️⃣ Check
Make sure documents are current, readable and show your full name and address where needed. If anything is missing, make a note of it rather than letting it become a last-minute worry.

3️⃣ Save
Create one secure digital folder, with clear file names, so everything is easy to find when you need it. Keep a backup of important documents, too.

Small steps can bring a surprising amount of clarity. Getting organised doesn’t mean you have to do everything alone : we’re here to make the mortgage process easier to understand and help you feel prepared for your next step.

Ready to get started? Call Black & Gold Financial Services on 0161 250 1470.

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.

Saving for your first home? Your deposit is important: but it isn’t the whole picture. 👀As part of your Sunday reset, it...
29/08/2026

Saving for your first home? Your deposit is important: but it isn’t the whole picture. 👀

As part of your Sunday reset, it’s worth allowing for other costs that may come with buying a home, including:

📝 Solicitor fees
🔍 Surveys
💬 Mortgage broker fees
🏦 Lender or valuation fees, where applicable
🏠 Stamp Duty, where payable
🛡️ Insurance premiums
🚚 Removal costs
🛋️ Furniture and decorating

Some costs may not apply to you, and amounts can vary depending on your circumstances and the property you’re buying. Planning for them early can help you feel more prepared and avoid unwanted surprises.

Need help understanding the costs involved in your home-buying journey? Speak to Black & Gold Financial Services on 0161 250 1470.



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.

Can we help you save money on your mortgage?You may choose to put what you save towards, for example – your life & criti...
28/08/2026

Can we help you save money on your mortgage?

You may choose to put what you save towards, for example – your life & critical illness protection, pay your mortgage off quicker, a home improvement, or a luxury holiday.

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.

Could this be the summer you take your first step onto the property ladder together? ☀️🏡A joint mortgage application all...
28/08/2026

Could this be the summer you take your first step onto the property ladder together? ☀️🏡

A joint mortgage application allows two people to apply together, with lenders usually considering both incomes, outgoings, credit histories and overall affordability.

Before applying, it’s worth having a few honest conversations:

☕ What monthly budget feels comfortable for both of you?
🔑 How will you share the deposit, bills and mortgage payments?
📄 Are there any credit commitments or past issues to understand?
🌱 What might your plans look like over the next few years?

A joint application isn’t the only option. A sole application may suit some circumstances, but it can mean the lender assesses just one person’s income and affordability. The right route depends on your individual situation and future plans.

Taking time to understand your options early can make the mortgage journey feel much clearer: and help you focus on finding a home that fits your life, not just your budget.

Our friendly team can talk you through the process in plain English. Call Black & Gold Financial Services on 0161 250 1470 for a chat.

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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