Mortgage Brokers
Rochdale
Take one step closer to joining the thousands of clients we’ve helped make mortgages easy.
Talk to one of our mortgage experts on 0808 172 9354
Take one step closer to joining the thousands of clients we’ve helped make mortgages easy.
Email: adam.tosh@mortgage-experience.com
Tel: 07792 978938
I have over 30 years’ experience working within High Street Banks, I looked back, and thought what did I enjoy the most? The simple answer was meeting people and helping them financially.
The most memorable and rewarding interactions was supporting customers with mortgage and protection needs, helping people achieve their property dreams, helping structure debts appropriately and ensuring the right protection is in place for themselves and their family.
I am delighted to return to a role where I can support customers directly, as a Mortgage and Protection Adviser. At Mortgage Experience, I can help source and place more solutions from a wider range of mortgage lenders and life providers.
I can advise and find solutions for many circumstances, you could be a home-mover, first time buyer, your fixed rate deal is ending. We help many self-employed clients and other employment circumstances. We also support a variety of financial circumstances including low credit score, missed payments, CCJs/Bad Credit, specialist situations.
Helping you to find the right financial solutions with ease, professional guidance and support is my absolute mission.
I look forward to helping you.
Areas of expertise:
As a whole of market mortgage & protection adviser I provide advice to my clients on all mortgage and remortgage requirements, however I do also specialise in the following areas:
At Mortgage Experience, we’re proud to be a leading provider of mortgage advice and services in Rochdale. Whether you’re buying your first home, looking for a better deal on your current mortgage, or planning to invest in property, we offer tailored mortgage solutions that meet your needs. Our local expertise and access to a wide range of lenders ensure that you’ll get the best deal possible, with support every step of the way.
When it comes to securing a mortgage, working with a local broker offers a host of advantages. Here’s why you should choose Mortgage Experience in Rochdale:
Local Market Expertise
As a Rochdale-based mortgage broker, we have in-depth knowledge of the local property market. We understand property trends, local house prices, and which areas offer the best value for money. Our local expertise helps us guide you in making informed decisions and securing the best mortgage deal.
Access to More Lenders
Unlike banks and building societies, we have access to a wide range of lenders, including exclusive deals not available on the high street. This means we can find you the best interest rates and mortgage terms suited to your financial circumstances.
Personalised Advice
Every client’s needs are unique. We take the time to understand your personal situation and goals, offering tailored advice and mortgage options that match your circumstances. Whether you’re a first-time buyer or looking for a buy-to-let mortgage, we ensure you get the best deal for you.
Simplified Process
The mortgage process can be complex, but we make it as simple as possible. From filling out paperwork to communicating with lenders, we handle everything for you. Our team of experts ensures the process is smooth, efficient, and stress-free.
We provide a wide range of mortgage services to meet the needs of clients throughout Rochdale:
First-Time Buyer Mortgages
Buying your first home can be an exciting yet daunting experience. We’ll help you navigate the process by providing expert advice on eligibility, affordability, and available schemes. Whether it’s a government-backed scheme like Help to Buy or a traditional mortgage, we’ll make sure you secure the best deal possible for your first property.
Remortgaging Solutions
If you’re looking to save money on your existing mortgage, consolidate debt, or release equity, we offer expert remortgaging advice. We’ll help you find better deals, lower your monthly payments, or access funds tied up in your home for home improvements or other financial goals.
Buy-to-Let Mortgages
If you’re planning to invest in property or add to your property portfolio, we offer specialised buy-to-let mortgage advice. Our team will guide you through the process, helping you secure competitive rates and understand the requirements for renting out properties.
Self-Employed Mortgages
Getting a mortgage when you’re self-employed can be more challenging due to income fluctuations. However, we specialise in helping self-employed individuals secure mortgages. We’ll guide you through the process and work with lenders who understand non-standard income sources.
Specialist Mortgages
If you’ve had issues with your credit history or have a more complex financial situation, we can help you access specialist mortgages. Our team has experience working with clients who may face challenges in securing a traditional mortgage and will connect you with lenders who specialise in non-standard circumstances.
At Mortgage Experience, we’re dedicated to helping people in Rochdale navigate the mortgage process with ease. With our local knowledge, wide range of services, and customer-first approach, we’re your trusted partner for securing the best mortgage deals. Let us make your journey to homeownership or investment a simple and stress-free experience.
Don’t wait—get in touch today to book your free consultation and let us help you achieve your property goals.
*Note: If there is no 2nd applicant, leave the 0. Please enter plain numbers only.
These figures are only illustrative. All mortgages are subject to the applicant(s) meeting the eligibility of the specific lender. An assessment of your needs will be confirmed before a recommendation can be made.
To calculate exactly how much you can borrow depends on a number of factors, such as your current outgoings, if you are self employed, your deposit, credit history etc.
To find out exactly how much you can borrow
Fret no more! We are on a mission to make specialist mortgages simple and stress-free. As one of our many recent happy customers put it on TrustPilot we ‘managed to make the impossible possible!’
With over 100 years’ of combined complex specialist mortgage experience, coupled with access to specialist lenders, you can rest assured that our network of experienced mortgage advisers are here to help you every step of the way.
Copyright Mortgage Experience. All Right Reserved.
Site design by Amplify Sales
Wordpress Support by Amplify WordPress
Mortgage Experience Limited are registered in England and Wales. Registered No: 10428355. Registered Office: Renaissance House No 4 East Terrace Business Park, Euxton Lane, Chorley, Lancashire, United Kingdom, PR7 6TB.
| Cookie | Duration | Description |
|---|---|---|
| __cf_bm | 1 hour | This cookie, set by Cloudflare, is used to support Cloudflare Bot Management. |
| _cfuvid | session | Cloudflare sets this cookie to track users across sessions to optimize user experience by maintaining session consistency and providing personalized services |
| apbct_headless | never | Cleantalk set this cookie to detect spam and improve the website's security. |
| apbct_visible_fields | never | CleanTalk sets this cookie to prevent spam on the site's comments/forms, and to act as a complete anti-spam solution and firewall for the site. |
| cookielawinfo-checkbox-advertisement | 1 year | Set by the GDPR Cookie Consent plugin, this cookie records the user consent for the cookies in the "Advertisement" category. |
| cookielawinfo-checkbox-analytics | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics". |
| cookielawinfo-checkbox-functional | 11 months | The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". |
| cookielawinfo-checkbox-necessary | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary". |
| cookielawinfo-checkbox-others | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other. |
| cookielawinfo-checkbox-performance | 11 months | This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance". |
| CookieLawInfoConsent | 1 year | CookieYes sets this cookie to record the default button state of the corresponding category and the status of CCPA. It works only in coordination with the primary cookie. |
| ct_pointer_data | never | CleanTalk sets this cookie to prevent spam on the site's comments/forms, and to act as a complete anti-spam solution and firewall for the site. |
| ct_timezone | never | CleanTalk–Used to prevent spam on our comments and forms and acts as a complete anti-spam solution and firewall for this site. |
| LS_CSRF_TOKEN | session | Cloudflare sets this cookie to track users’ activities across multiple websites. It expires once the browser is closed. |
| m | 1 year 1 month 4 days | Stripe sets this cookie for fraud prevention purposes. It identifies the device used to access the website, allowing the website to be formatted accordingly. |
| rc::a | never | This cookie is set by the Google recaptcha service to identify bots to protect the website against malicious spam attacks. |
| rc::c | session | This cookie is set by the Google recaptcha service to identify bots to protect the website against malicious spam attacks. |
| viewed_cookie_policy | 11 months | The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data. |
| zalb_* | session | Zoho sets this cookie for load balancing and session stickiness. It ensures that user requests are consistently directed to the same server during a session, helping maintain session integrity and improving website performance. |
| zfccn | session | Zoho sets this cookie for website security when a request is sent to campaigns. |
| Cookie | Duration | Description |
|---|---|---|
| ct_checked_emails | never | Clean Talk sets this cookie to prevent spam on the site's comments or forms. |
| ct_checkjs | never | Clean Talk sets this cookie to prevent spam on the site's comments or forms. |
| ct_fkp_timestamp | never | Clean Talk sets this cookie to prevent spam on the site's comments or forms. |
| ct_ps_timestamp | never | Clean Talk sets this cookie to prevent spam on the site's comments or forms. |
| li_gc | 6 months | Linkedin set this cookie for storing visitor's consent regarding using cookies for non-essential purposes. |
| lidc | 1 day | LinkedIn sets the lidc cookie to facilitate data center selection. |
| referrer_user_id | 14 days | Calendly sets this cookie for the booking functionality of the website. |
| uesign | 1 month | Zoho sets this cookie for the Visitor Live Chat. |
| Cookie | Duration | Description |
|---|---|---|
| _calendly_session | 21 days | Calendly, a Meeting Schedulers, sets this cookie to allow the meeting scheduler to function within the website and to add events into the visitor’s calendar. |
| Cookie | Duration | Description |
|---|---|---|
| _conv_check_cookies | 1 year 1 month 4 days | Description is currently not available. |
| _conv_s | 20 minutes | No description available. |
| _conv_v | 6 months | This cookie is set by the provider Convert. This cookie is the visitor-centric cookie that has a lifetime of max 6 months from the last update time. It is a string of star(*) separated pieces; each piece is a string that contains key and value strings glued together by colon (:). |
| _ga | 1 year 1 month 4 days | Google Analytics sets this cookie to calculate visitor, session and campaign data and track site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognise unique visitors. |
| _ga_* | 1 year 1 month 4 days | Google Analytics sets this cookie to store and count page views. |
| _gat_UA-* | 1 minute | Google Analytics sets this cookie for user behaviour tracking.n |
| _gid | 1 day | Google Analytics sets this cookie to store information on how visitors use a website while also creating an analytics report of the website's performance. Some of the collected data includes the number of visitors, their source, and the pages they visit anonymously. |
| _pendo_guides_blocked.4cfbcefc-fcf9-4b66-5dc6-9b0d81bb07a9 | never | Pendo sets this cookie to identify and record the visitor’s Account ID that will be used in Pendo, like Guide delivery and analytics. |
| _pendo_visitorId.4cfbcefc-fcf9-4b66-5dc6-9b0d81bb07a9 | never | Pendo sets this cookie to identify and record the visitor’s Account ID that will be used in Pendo, like Guide delivery and analytics. |
| ajs_anonymous_id | never | This cookie is set by Segment to count the number of people who visit a certain site by tracking if they have visited before. |
| ajs_group_id | never | This cookie is set by Segment to track visitor usage and events within the website. |
| ajs_user_id | never | This cookie is set by Segment to help track visitor usage, events, target marketing, and also measure application performance and stability. |
| ct_screen_info | never | CleanTalk sets this cookie to complete an anti-spam solution and firewall for the website, preventing spam from appearing in comments and forms. |
| mf_c0030f16-5d7b-4d1f-a5dd-e18287fb8425 | session | Description is currently not available. |
| siqlsdb | never | Zoho sets this cookie to generate a unique ID for the session. This allows the website to obtain data on visitor behaviour for statistical purposes. |
| utsdb | never | Zoho SalesIQ sets this cookie to register data on visitor's website behaviour. |
| zabHMBucket | 1 year | Zoho PageSense sets this cookie to identify the exact heatmap experiment to be tracked on the web page. |
| zabUserId | 1 year | Zoho PageSense sets this cookie to store a unique ID for every user who visits that website. |
| zft-sdc | 13 hours | Zoho PageSense sets this cookie to determine whether a request is the first interaction with the server. It also identifies the entrance page and stores source information, aiding in session calculation and visitor tracking for analytics purposes. |
| zps-tgr-dts | 1 year | Zoho PageSense sets this cookie to store session-level metadata related to its triggers. It helps track and manage user interactions during a session, supporting website analytics and optimization. |
| zpssr* | session | Zoho PageSense sets this cookie to identify the top-level domain during a session, ensuring accurate tracking and analysis of user interactions across different domains. |
| zsc* | 1 hour | Zoho sets this cookie to uniquely identify the current session. This enables comprehensive tracking of user interactions for detailed analytics and website performance optimization. |
| Cookie | Duration | Description |
|---|---|---|
| _fbp | 3 months | Facebook sets this cookie to store and track interactions. |
| _gcl_au | 3 months | Google Tag Manager sets this cookie to experiment advertisement efficiency of websites using their services. |
| bcookie | 1 year | LinkedIn sets this cookie from LinkedIn share buttons and ad tags to recognize browser IDs. |
| ZCAMPAIGN_CSRF_TOKEN | session | Zoho Maillist Manage sets this cookie to distinguish humans from robots and to generate reliable usage reports for the website. |
| Cookie | Duration | Description |
|---|---|---|
| drscc | session | Description is currently not available. |
| mortgageexperience-_zldp | 1 year 1 month 4 days | Description is currently not available. |
| mortgageexperience-_zldt | 1 day | Description is currently not available. |