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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Wigan

Gardner Massey Wright Independent Financial Advisers Ltd

Market St, Hindley, Wigan WN2 3AE, UK – 01942 526556

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Wigan.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.
RBS

45 Market St, Hindley, Wigan WN2 3AE, UK – 01942 255144

Easy to use, small, nice staff.

NatWest

4 Standishgate, Wigan WN1 1UE, UK – 0345 788 8444

Been with this bank since I was a kid and I have never had any problems, they have always been very helpful and caught illegal activity once and fixed the problem straight away. The waiting times are not so long, trust me until you have used the banks in spain then you will know how good the banks are over here.

Halifax

58/62 Market Pl, Wigan WN1 1PJ, UK – 01942 750423

Good staff but it takes forever to get served

Banks

Yorkshire Bank

35-37 Market Pl, Wigan WN1 1PE, UK – 0800 456 1247

NatWest

4 Standishgate, Wigan WN1 1UE, UK – 0345 788 8444

Been with this bank since I was a kid and I have never had any problems, they have always been very helpful and caught illegal activity once and fixed the problem straight away. The waiting times are not so long, trust me until you have used the banks in spain then you will know how good the banks are over here.

RBS

45 Market St, Hindley, Wigan WN2 3AE, UK – 01942 255144

Easy to use, small, nice staff.

Building Societies

Yorkshire Building Society

11 Market Pl, Wigan WN1 1PE, UK – 01942 446385

I receive good interest on my savings and the staff are always friendly and helpful and never too busy to spend time explaining things.

Mortgage Brokers

Winstanley Mortgage Services Ltd

52 Ince Green Ln, Ince-in-Makerfield, Wigan WN2 2AR, UK – 01942 616226

Great

Mortgage Advice Bureau

63 Market St, Standish, Hindley, Wigan WN2 3AE, UK – 01942 526333

James Howard Mortgage Advisor

3 Kirkwood Cl, Aspull, Wigan WN2 1DZ, UK – 07980 898130

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Wigan.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Wigan that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.

Mortgages

North-west Financial Services

42 Fairman Dr, Hindley, Wigan WN2 2RT, UK – 07957 836452

Winstanley Mortgage Services Ltd

52 Ince Green Ln, Ince-in-Makerfield, Wigan WN2 2AR, UK – 01942 616226

Great

RBS

45 Market St, Hindley, Wigan WN2 3AE, UK – 01942 255144

Easy to use, small, nice staff.

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