Adam Tosh - Mortgage Adviser

Adam Tosh - Mortgage Adviser Finding the right Mortgage for you! 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 customer

s 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:

• Home Movers
• Remortgages
• Rate Renewals
• First time Buyers
• Buy to Let
• Self-employed
• Bad Credit

Will Adverse Credit Stop Me Buying a Home? ❓Not necessarily.Many people assume that a low credit score, missed payments,...
16/06/2026

Will Adverse Credit Stop Me Buying a Home? ❓

Not necessarily.

Many people assume that a low credit score, missed payments, defaults, or previous financial difficulties mean their home ownership plans are over.

The reality is that there are lenders who specialise in helping people with adverse credit circumstances.

At Mortgage Experience, our expert advisers have access to lenders beyond the high street, giving you more options than you might expect.

Whether you've been declined elsewhere or simply aren't sure where you stand, we'll take the time to understand your situation and help explore the mortgage solutions available to you.

🏡 Your credit history doesn't have to define your future.

Speak to our team today and find out what options may be available 👇

📞 07792 978938
📧 [email protected]

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

The Discussion Nobody Wants to Have 💭It's not something most people enjoy thinking about, but it's one of the most impor...
11/06/2026

The Discussion Nobody Wants to Have 💭

It's not something most people enjoy thinking about, but it's one of the most important discussions you can have.

Life insurance helps provide financial security for your loved ones if the unexpected happens, giving you peace of mind that they'll be protected when it matters most.

Putting the right cover in place today could make all the difference tomorrow.

Have you reviewed your protection recently? Contact us today for friendly, expert advice 👇

📞 07792 978938
📧 [email protected]
💻 https://www.mortgage-experience.com/contact-us/

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

Always appreciate clients posting a review!! If you need professional and responsive mortgage guidance.Adam Tosh - Mortg...
10/06/2026

Always appreciate clients posting a review!!

If you need professional and responsive mortgage guidance.

Adam Tosh - Mortgage Adviser
[email protected]
07792 978938

Can I Airbnb a property with a residential mortgage? 🤔🏡It's a common question, but one many homeowners don't think to as...
09/06/2026

Can I Airbnb a property with a residential mortgage? 🤔🏡

It's a common question, but one many homeowners don't think to ask.

The answer? Not always. Most residential mortgages don't allow short-term letting, including Airbnb, without your lender's permission.

If you're considering turning your property into a holiday let or earning some extra income through Airbnb, make sure you check your mortgage terms first 💷

A quick conversation with a mortgage adviser could save you a lot of hassle later on.

Got a mortgage question you'd like answered? Get in touch 👇

📞 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.

Think you need to wait until you’ve saved a 10% deposit to buy a home? 🏡You may actually be able to get on the property ...
04/06/2026

Think you need to wait until you’ve saved a 10% deposit to buy a home? 🏡

You may actually be able to get on the property ladder with a smaller deposit than you think.

Some mortgage options are available with deposits starting from 5% with some lenders even offering 0% deposit mortgages (subject to criteria) 👀💷

A bigger deposit can sometimes give you access to better rates, but that doesn’t always mean you have to wait years to buy your first home 💭

📩 Get in touch today to see how much deposit you may need.

📞 07792 978938
📧 [email protected]

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

🏠 Thinking about buying a home but not sure where to start? Whether you’re ready to make an offer today or just testing ...
04/06/2026

🏠 Thinking about buying a home but not sure where to start? Whether you’re ready to make an offer today or just testing the waters, I’m here to help you navigate the journey.

​As a mortgage adviser, I specialise in cutting through the noise to give you a professional, responsive, and stress-free experience.

​We can chat about:

​Borrowing Power: Find out exactly how much you can borrow before you start house hunting.

​Credit History Worries: Had a few bumps in the road? Let’s look at your options together—there are more solutions out there than you might think.

​Making an Offer: Ready to take the plunge? Let’s get your paperwork sorted so you can move fast.

​No matter where you are in the process, let’s get you moving!

​📞 Adam Tosh
📱 07792 978938
📧 [email protected]
🏢 Mortgage Experience Ltd

Thinking about a commercial mortgage but worried you don’t have enough trading history? 🏢The good news is, not all lende...
02/06/2026

Thinking about a commercial mortgage but worried you don’t have enough trading history? 🏢

The good news is, not all lenders require years of accounts. In some cases, commercial mortgages may still be available if:
✔️ You’re a new business with strong projections
✔️ You have industry experience
✔️ You can provide evidence of future income
✔️ You have a strong deposit or existing assets
Every lender has different criteria, which is why expert guidance can make all the difference.

We’ll help you understand your options with clear, advice tailored to your business goals.

📩 Get in touch today to discuss your commercial mortgage options.

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

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

Been declined for a mortgage before? 🚫 It doesn’t always mean “no” forever. 🏡​There are many reasons why an application ...
30/05/2026

Been declined for a mortgage before?

🚫 It doesn’t always mean “no” forever. 🏡

​There are many reasons why an application might be turned down—from complex credit histories and affordability calculations to strict lender criteria. But that is exactly where speaking to the right mortgage broker can make all the difference.

​We work with a wide range of lenders and specialise in finding flexible options tailored specifically to your unique circumstances.

​Are you currently facing any of these challenges?
✔️ Bad credit?
✔️ Self-employed?
✔️ Recently declined?
✔️ Unsure where you stand?
​Don’t give up on your homeownership goals just yet. Let’s look at the bigger picture and find a path forward.
​Get in touch today for friendly, expert advice, and let’s explore your options together. 👇

​📞 07792 978938

✉️ [email protected]

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

🏡 Big News for First-Time Buyers! 🏡​Saving for a massive deposit is one of the biggest hurdles keeping people off the pr...
26/05/2026

🏡 Big News for First-Time Buyers! 🏡
​Saving for a massive deposit is one of the biggest hurdles keeping people off the property ladder. But getting the keys to your first home might have just become a whole lot easier.

​We are thrilled to share a new £5,000 deposit mortgage scheme specifically designed to help first-time buyers make the leap into homeownership!

🚀​Here is what you need to know:

​📉 Minimum personal deposit of just £5,000

​🏠 Available on homes valued up to £300,000

​💼 Employed & self-employed applicants are both considered

​🔒 5-year fixed rate options available to give you peace of mind

​📋 Free mortgage valuation included
​Please note: As always, lending criteria and affordability checks apply, and this won’t be suitable for everyone.

​Ready to take your first step onto the property ladder? 🔑

​Don't let deposit stress hold you back. Get in touch with our team today, and let's start your home-buying journey with absolute confidence.

​📞 Call us: 07792 978938
📧 Email me: [email protected]

07792 978938
20/05/2026

07792 978938

Address

Heywood
OL102PD

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