Josh Finigan - Mortgage Adviser

Josh Finigan - Mortgage Adviser I'm a Mortgage Adviser who has worked in the mortgage industry since 2020. Appointments available, call today!

Whether you're a first time buyer, self-employed or looking for a buy-to-let mortgage, I can help whatever your credit history. After working within the mortgage industry since 2020, I have gained deep and extensive knowledge of the mortgage market working at several firms around the Manchester area. Originally, I started off working in an admin role and progressed to being a mortgage adviser over time. Currently, I provide whole-of-market mortgage advice that’s personalised to what works best for you and your situation. In the past I have specialised in providing Buy to Let mortgages to my clients and have recently become a self employed mortgage and protection adviser under Mortgage experience, I can offer clients a more tailored, flexible service. Whether you're a first-time buyer, looking to remortgage, or expanding a property portfolio, I am here to find the right solution that works for you. Areas of expertise:
• Buy to Let (individual, Ltd company, HMO’s)
• Adverse Credit
• Debt Consolidation
• First Time Buyers

I am extremely passionate about helping to guide my clients through the mortgage process as seamlessly and straightforward as possible. If you are looking for no-nonsense mortgage advice from someone who genuinely cares about getting it right for you — let’s talk

☀️ Summer is winding down and Christmas will be here before we know it.If moving home is on your mind, now could be a go...
24/09/2026

☀️ Summer is winding down and Christmas will be here before we know it.

If moving home is on your mind, now could be a good time to start exploring your mortgage options.

Getting things in place early can give you a clearer idea of what you could afford, what your options are and how much time you have to find the right home.

So, if you’d love to be settling into a new home before Christmas, why not start the conversation now?

📞 01257 226654
✉️ [email protected]
🌐 https://www.mortgage-experience.com/contact-us



Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

17/09/2026

The Bank of England has announced that the base rate will remain at 3.75%.

If your fixed rate is not due to end within the next 6 months, this change won’t affect you until your fixed period comes to an end.

However, if your current rate is due to end within the next 6 months, it’s important to get in touch with a member of the team as soon as possible.

If you’d like to discuss your options, simply contact the team using any of the methods below👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Source: https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend upon your circumstances, but will be agreed with you before proceeding.

16/09/2026

Trying to keep on top of several monthly payments?

If you are juggling multiple payments each month, you are not alone. With household bills and interest rates still unpredictable, many homeowners are looking for ways to simplify their finances.

Bringing your debts together into one manageable payment could help you regain control and make things easier to manage.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/mortgages/bad-credit-mortgages/debt-consolidation/

Your home may be repossessed if you do not keep up repayments on your mortgage.

DID YOU KNOW YOUR PROPERTY VALUATION CAN AFFECT YOUR MORTGAGE? 🏡📉📈A property valuation plays a key role in the mortgage ...
14/09/2026

DID YOU KNOW YOUR PROPERTY VALUATION CAN AFFECT YOUR MORTGAGE? 🏡📉📈

A property valuation plays a key role in the mortgage process. It can influence how much you can borrow, the rates available to you, and even whether a lender will proceed.

Whether you are buying or remortgaging, an accurate valuation is essential to securing the most suitable deal for your situation.

Understanding how this works can help you avoid surprises and plan with confidence.
If you have questions or want to know how this could impact your options, we are here to help. 💬

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

09/09/2026

PROTECTING THEIR TOMORROW STARTS TODAY.

Life insurance is about more than financial protection.

It is about knowing that the people you love could have support if the unexpected happens.

Sometimes, the most important things we do for our family are the things they never have to think about.

If you have a mortgage or loved ones who depend on you, do you have the right protection in place?

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/protection/life-insurance/

Please note for these insurance products, terms and conditions apply.

STRUGGLING WITH YOUR CREDIT HISTORY? YOU STILL HAVE OPTIONS. 🔍🏡 Having less than perfect credit does not mean you cannot...
07/09/2026

STRUGGLING WITH YOUR CREDIT HISTORY? YOU STILL HAVE OPTIONS. 🔍🏡

Having less than perfect credit does not mean you cannot get a mortgage.

There are specialist lenders who understand different circumstances, and with the right guidance, you may still be able to secure a suitable deal.

Rates and fees can vary, but our experienced team will help you navigate the options and find the most appropriate solution for your situation.

If you would like support exploring your options, we are here to help.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/mortgages/bad-credit-mortgages/low-credit-score/

Your home may be repossessed if you do not keep up repayments on your mortgage.

IS YOUR FIXED RATE MORTGAGE COMING TO AN END?If your current deal is nearing its end, now is the time to start reviewing...
01/09/2026

IS YOUR FIXED RATE MORTGAGE COMING TO AN END?

If your current deal is nearing its end, now is the time to start reviewing your options.

Waiting too long could mean moving onto a variable rate, where payments can become less predictable and potentially more expensive.

By exploring your remortgage options early, you can secure a deal that better suits your current circumstances and future plans.

If you are unsure where to start, we are here to guide you through your options with clarity and confidence.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.

BUILDING A PROPERTY PROJECT? START WITH THE RIGHT FUNDING 🏗️Every successful development starts with the right financial...
27/08/2026

BUILDING A PROPERTY PROJECT? START WITH THE RIGHT FUNDING 🏗️

Every successful development starts with the right financial structure in place.

Whether you are planning a new build, conversion, or major refurbishment, securing the right finance early can make the difference between a smooth project and costly delays.

At Mortgage Experience, we work with developers to arrange tailored funding solutions that align with your project goals, from land purchase through to completion and beyond.

💡 We can help you with:
• Structuring your finance to suit your project
• Managing cash flow throughout the build
• Planning your exit or refinancing strategy

With access to a wide range of lenders and specialist products, we help you move forward with clarity and confidence.

Get in touch to discuss your next development opportunity.

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/commercial/property-development/

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The precise amount will depend on your circumstances, but will be agreed with you before proceeding.

One of the most common things we hear?“I wish I’d sorted it sooner.” ⏳When it comes to insurance, waiting often feels ea...
02/04/2026

One of the most common things we hear?

“I wish I’d sorted it sooner.” ⏳

When it comes to insurance, waiting often feels easier, until it isn’t. Changes in health, lifestyle, or circumstances can impact your options, and what was once straightforward can quickly become more complicated or expensive.

Putting the right cover in place early gives you certainty, protection, and peace of mind for the future 🛡

Don’t leave it until it’s too late to wish you had.

Get in touch to explore your options today 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Please note for these insurance products, terms and conditions apply.

When it comes to mortgage affordability, it’s not just about how much you earn, it’s about what you have left.Your net d...
31/03/2026

When it comes to mortgage affordability, it’s not just about how much you earn, it’s about what you have left.

Your net disposable income plays a key role in how lenders assess what you can comfortably afford. After your regular outgoings are taken into account, this is what helps determine the level of borrowing that’s right for you.

Understanding this early can make a real difference to your options and help avoid any surprises along the way.

If you’re unsure where you stand, we’re here to help you make sense of it all.

Get in touch to find out more 👇

📞 01257 226654
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

Your home may be repossessed if you do not keep up repayments on your mortgage.

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