Saied Patel – Trusted Mortgage Broker in Bolton, Lancashire

Bolton is one of the key areas where I offer tailored mortgage services. I’m Saied Patel, a professional Mortgage Broker in Bolton, Lancashire, offering clear and practical advice for complex property finance needs.

Whether you’re seeking finance for a commercial property, HMO, or limited company buy-to-let, I aim to provide suitable, lender-compliant solutions.

Areas I Cover Near Bolton

In addition to Bolton, I also serve clients in:

✔ Bury ✔ Wigan ✔ Chorley ✔ Blackburn ✔ Preston ✔ Burnley

If you’re based in any of these towns, I’m happy to assist with your mortgage needs.

Specialist in Bridging Finance

Bridging finance can help you secure property quickly, even if your long-term mortgage isn’t yet in place. Whether you’re purchasing at auction, renovating a property, or breaking a chain, I’ll source short-term lending options that comply with UK lending rules.

These loans can be arranged quickly, with flexible criteria, and are often interest-only. I’ll guide you through the process and ensure your exit strategy meets lender standards.

Commercial & Semi-Commercial Mortgages

I support landlords and investors looking to expand with commercial or mixed-use buildings. Whether it’s a retail unit with a flat above or a full business premises, I work with a wide range of UK lenders to find suitable deals, including interest-only or capital repayment options.

I’ll also advise on affordability rules, income evidence, and business structure considerations.

Buy-to-Let & Limited Company Mortgages

If you’re a landlord investing personally or through a limited company, I can help. I’ll explain the lending criteria, tax efficiency differences, and lender requirements.

Whether it’s your first buy-to-let or your tenth, I’ll ensure the application meets lender stress testing and portfolio limits.

House in Multiple Occupation (HMO) Mortgages

HMOs often yield stronger returns but come with stricter criteria. Whether licensed or not, I’ll help you find lenders who accept professional tenants, students, or DSS tenants.

I’ll walk you through valuation rules, property standards, and how lenders assess income for multi-let properties.

General Insurance for Landlords & Businesses

Protecting your property is just as important as financing it. I provide access to landlord buildings insurance, contents cover, and business premises insurance.

Cover can include loss of rent, liability, and accidental damage—ensuring you’re fully protected from day one.

Languages Spoken – English, Urdu & Gujarati

Many clients prefer discussing finances in their native language. I speak English, Urdu, and Gujarati, making it easier for you to understand every detail of your mortgage options.

Whether you feel more comfortable explaining your situation in Urdu or Gujarati, I’m here to listen and assist clearly.

Why Work with Me?

✔ FCA-compliant mortgage advice
✔ Specialist in bridging, commercial, buy-to-let and HMO mortgages
✔ Experience with complex income and company structures
✔ Local knowledge of Bolton and surrounding areas
✔ Multilingual support in English, Urdu, and Gujarati
✔ Access to UK lenders offering exclusive deals

Get in Touch Today

If you’re based in Bolton or the surrounding Lancashire towns and need help with commercial property finance, I’m ready to assist.

Let’s arrange a call to explore your options and move your plans forward.