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

Holiday season is here - have you thought about your protection, and what this covers? ☀️ 🌊 Did you know, you and your c...
03/06/2026

Holiday season is here - have you thought about your protection, and what this covers? ☀️ 🌊

Did you know, you and your children can be covered for overseas treatment through your protection policy?

We can help you find out more about the policies available. And make sure you have peace of mind for the future.

Get in touch today to find out more.

0161 250 1470

When it comes to your interest-only mortgage, time can be your best friend or your biggest stressor. ⏳If the end date of...
03/06/2026

When it comes to your interest-only mortgage, time can be your best friend or your biggest stressor. ⏳

If the end date of your term is still a few years away, it’s easy to tuck that annual statement into a drawer and forget about it. But the best time to plan for the future is while you still have plenty of it!

Taking a moment now to check your latest statement and understand your repayment strategy could save you a huge amount of worry later on. Whether you’re planning to use savings, a pension, or you’re considering a remortgage, early planning gives you the widest range of options and the headspace to make the right choice for you.

Don’t wait for the final countdown. Let's look at your path ahead together.

Give us a call on 0161 250 1470 for a friendly chat about your options.



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.

What would you do if your income suddenly stopped tomorrow? It’s a question nobody likes to think about, but life can th...
03/06/2026

What would you do if your income suddenly stopped tomorrow?

It’s a question nobody likes to think about, but life can throw a curveball when we least expect it. Whether it's redundancy or an unexpected job loss, the gap between roles can feel more like a canyon than a crack.

That’s where Unemployment Insurance comes in. Think of it as your 'Financial Bridge.' 🌉

Instead of watching your hard-earned savings disappear or stressing about how the bills will be paid, this cover provides you with a monthly income. It gives you the breathing room you need to focus on finding the right next career move, not just the first one that comes along.

We’re here to help you build that safety net so you can stay in control of your future, no matter what happens.

If you’re based in Atherton and surrounding areas and want to chat about how to protect your peace of mind, give us a call. We make the complicated stuff easy to understand.

📞 Call us on 0161 250 1470

⏰ Don’t Leave Insurance Too Late⏰ The best time to arrange insurance is before you need it.Leaving cover too late can le...
02/06/2026

⏰ Don’t Leave Insurance Too Late

⏰ The best time to arrange insurance is before you need it.

Leaving cover too late can lead to:
• 📈 Higher premiums
• ⚠️ Fewer options
• ⌛ Delays in cover
• ❌ Difficulty getting insured at all

If you would like to consider your options, contact us today before it becomes too late.

📞 0161 250 1470

🌟 Happy Tuesday 🌟 We hope you have a great day ⭐️
02/06/2026

🌟 Happy Tuesday 🌟

We hope you have a great day ⭐️

Is your interest-only mortgage term coming to an end? 🏠Many homeowners in Manchester and surrounding areas feel unsure a...
02/06/2026

Is your interest-only mortgage term coming to an end? 🏠

Many homeowners in Manchester and surrounding areas feel unsure about what happens next. One great way to take back control is switching part or all of your mortgage to a repayment basis.

Instead of just paying the interest, you'll start clearing the actual loan balance.

Moving to a repayment mortgage means:
✅ You’re actively reducing the capital you owe.
✅ You’re building more equity in your home with every payment.
✅ You have a clear path to owning your property outright.

Whether you want a full switch or a ‘part-and-part’ option, we’re here to find the right fit for you. Let’s take the stress out of your mortgage end-date and get a plan in place that leaves you feeling empowered.

Give us a call on 0161 250 1470 to chat through your options.

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.

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?Yo...
01/06/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.



Subject to full mortgage application and product range.

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.

The Money Advice Service* recommends keeping three months’ essential outgoings in savings to cover an emergency or unexp...
01/06/2026

The Money Advice Service* recommends keeping three months’ essential outgoings in savings to cover an emergency or unexpected bill, however 2 in 5 households have less than £1,000 in savings and nearly 1 in 5 households (18%) have no savings at all, rising to 1 in 3 among low income households. **.

Don’t allow a change in your circumstances to leave you unable to meet payments…especially your mortgage payments.

Talk to our team about how you can become covered by a specialist insurance product.

Learn more here: 0161 250 1470

*https://www.moneyadviceservice.org.uk/en/articles/emergency-savings-how-much-is-enough%23how-to-build-up-your-fund

**https://www.legalandgeneral.com/landg-assets/adviser/files/protection/sales-aid/deadline-to-breadline-report-2020.pdf

Let me ask you something: what would happen to your mortgage if your income suddenly stopped?It’s a question nobody like...
01/06/2026

Let me ask you something: what would happen to your mortgage if your income suddenly stopped?

It’s a question nobody likes to think about, but redundancy is a reality that can hit when we least expect it. At Black & Gold Financial Services, we believe that losing your job shouldn't mean risking your home.

Unemployment Insurance is about more than just a policy; it’s about keeping the keys in your hand and the roof over your family’s head. It provides a vital safety net that covers your mortgage and bills while you get back on your feet, giving you the breathing space to find the right next step: without the panic.

We're here to help you navigate these options with a personal touch. Let’s make sure your home stays exactly where it should be: safe and secure.

Give us a call on 0161 250 1470 to chat about how we can protect what matters most.

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.

💼 Life can change unexpectedly, but your financial security should always stay protected.With Unemployment Insurance cov...
29/05/2026

💼 Life can change unexpectedly, but your financial security should always stay protected.

With Unemployment Insurance coverage, you can enjoy peace of mind knowing you’ll have financial support if you experience unexpected job loss or involuntary redundancy through no fault of your own.

✨ Why Choose Unemployment Insurance?
✔️ Monthly income support during unemployment for up to 24 months
✔️ Protection for bills, rent, and daily expenses 🏠
✔️ Quick & simple claims process 📄
✔️ Flexible plans tailored to your needs 🎯

🌟 Be prepared for the unexpected and safeguard your future today.

Don’t leave your finances to chance, secure reliable protection for yourself and your family ❤️

👉📞 Please get in touch to explore your options on 0161 250 1470.

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

http://www.blackandgoldfinancialservices.co.uk/

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