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

⭐️ **Five Star Tuesday** ⭐️Another 5-star testimonial from one of our lovely clients! 🖤As the nights get colder, why not...
08/09/2026

⭐️ **Five Star Tuesday** ⭐️

Another 5-star testimonial from one of our lovely clients! 🖤

As the nights get colder, why not get your finances feeling a little warmer? ❄️🏡

Thank you for trusting Black & Gold FS! ✨

What are you doing to prepare your home for the challenges colder weather brings?Burst pipes and boiler breakdowns are m...
07/09/2026

What are you doing to prepare your home for the challenges colder weather brings?

Burst pipes and boiler breakdowns are more likely during the colder months, but the majority of home insurance policies don’t cover these emergencies…what does your cover include?

Let us help you find out.

0161 250 1470

There are a few scenarios where remortgaging can result in big savings, provided you act in good time and get the right ...
04/09/2026

There are a few scenarios where remortgaging can result in big savings, provided you act in good time and get the right deal.

It’s a good idea to make a note of when your initial fixed or tracker rate will be coming to an end.

We can help you work through your options and understand the next steps.

Arrange a chat with our team for further information by calling 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.

Self-employed and wondering whether buying your first home is realistic? 🏡Being a freelancer, contractor or gig-economy ...
04/09/2026

Self-employed and wondering whether buying your first home is realistic? 🏡

Being a freelancer, contractor or gig-economy worker doesn’t automatically mean you’ll be offered less borrowing power.

Some lenders now take a broader look at your income and circumstances, which could include:

☕ Your trading history and accounts
💻 Regular contract or freelance income
📄 Tax year overviews and business performance
🔑 Your overall affordability and future plans

The right lender may see more of the full picture than you expect. Every application is different, so getting advice early can help you understand your options without adding unnecessary stress.

Planning a summer move? Let’s talk through your next steps and help you feel more confident about getting on the property ladder.

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.

The costs of taking out income protection insurance are affected by:your age – the older you are when you take out the p...
03/09/2026

The costs of taking out income protection insurance are affected by:

your age – the older you are when you take out the policy, the more you are likely to pay, as your risk of getting ill increases
your health – if you’re in good health, you will pay less to insure yourself
your job – if you do a risky job, you will pay more for cover hobbies and lifestyle – if you take part in dangerous hobbies or you smoke or drink heavily, you will pay more for cover
the waiting period – the longer you can wait before you make a claim, the cheaper your premiums will be whether you might be prepared to do other kinds of work than your own if you get ill – it usually costs less to take out income protection insurance if you say you will only make a claim if you are unable to do any work at all, rather than just your own job.

Speak to us today so we can help secure the most suitable cover for your needs 0161 250 1470

Your moodboard has the sofa, the coffee table and the perfect paint colour… but has it got the full buying budget? 👀A de...
03/09/2026

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
• Insurances
• 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 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.

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.

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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