Appointment Options:
Location:
Language(s):
English
Member of:
Habiba Bajwa is a mortgage broker in Bolton and the CEO of Swift Mortgage Solutions Ltd.
She provides tailored mortgage advice to clients across Bolton and Greater Manchester.
As an experienced mortgage broker in Bolton, Habiba supports clients throughout the property finance process. Her advice suits first-time buyers, home movers, property investors, and experienced landlords.
Clients benefit from clear guidance, lender knowledge, and advice based on current UK lending criteria.
Habiba advises on residential mortgages in Bolton for first-time buyers, home movers, and remortgage clients. Each case is assessed using income, credit history, and affordability in line with lender requirements.
Clients receive straightforward explanations of fixed-rate mortgages, tracker products, and mortgage terms. Advice is always tailored to individual circumstances.
Habiba arranges commercial mortgages in Bolton for shops, offices, and mixed-use properties.
She works with lenders experienced in commercial income and specialist underwriting.
Semi-commercial mortgages are suitable for properties with both residential and trading elements.
This includes flats above shops and mixed-use investments.
Habiba supports landlords in Bolton with buy-to-let mortgages, including purchases and refinancing.
Advice covers rental stress testing, portfolio exposure, and lender criteria.
HMO mortgages are available for properties let to multiple tenants under a single tenancy. Habiba explains licensing considerations and lender expectations clearly.
Bridging finance in Bolton provides short-term funding for urgent property transactions. It is often used for auction purchases, chain breaks, refurbishments, or unmortgageable properties.
Habiba explains interest structures, exit strategies, and associated risks clearly. This helps clients make informed decisions before proceeding.
Limited company mortgages are suitable for landlords purchasing property through a company structure. Habiba advises on director guarantees, company setup, and lender requirements.
These mortgages are commonly used by portfolio landlords planning long-term investment growth.
Advice is aligned with lender criteria and borrowing objectives.
Development finance supports new builds, conversions, and major refurbishment projects.
Funds are released in stages based on build progress and valuation reports. Habiba assists with costings, planning status, and exit planning. This ensures applications meet lender expectations from the outset.
Second charge mortgages allow homeowners to raise funds without changing their existing mortgage.
They can be used for home improvements, debt consolidation, or capital raising. Habiba ensures affordability checks meet FCA rules and UK lending standards. Advice is based on a full review of the client’s financial position.
Habiba provides mortgage protection advice tailored to individual needs. This includes life insurance, critical illness cover, and income protection.
General insurance options include buildings and contents cover for homeowners and landlords.
Protection planning supports long-term financial security.
Habiba offers multilingual mortgage advice in English, Punjabi, and Urdu. Clients can discuss financial matters clearly in their preferred language.
Clear communication helps ensure accurate advice and confident decision-making.
Habiba works with clients across Bolton and the wider Greater Manchester area. This includes Bury, Salford, Manchester, Rochdale, Oldham, and Wigan.
Appointments are available remotely or locally, depending on client preference.
If you are looking for a reliable mortgage broker in Bolton, Habiba Bajwa can provide clear and professional advice. Support is available for residential, commercial, and investment property needs.
is is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority.
