Stephen Charnock – Mortgage Broker in Wigan, Lancashire

Experienced Mortgage Broker in Wigan

As an experienced mortgage broker based in Wigan, Stephen Charnock provides tailored mortgage and insurance advice for individuals, landlords, and business owners across Lancashire. He specialises in commercial and semi-commercial mortgages, buy-to-let, HMO finance, bridging loans, limited company mortgages, development finance, and general insurance.

Commercial and Semi-Commercial Mortgages

Stephen works with business owners seeking finance for commercial premises and mixed-use properties. He helps clients access competitive rates and lending terms that meet both UK lender criteria and long-term business goals.

Buy-to-Let and HMO Mortgages

Whether you are a first-time landlord or growing a portfolio, Stephen provides expert advice on buy-to-let and HMO mortgages. His guidance covers affordability, rental yield assessments, and lender criteria to help you secure the most suitable funding.

Bridging Finance Solutions

Bridging finance can help when time is critical. Stephen advises clients on short-term lending, exit strategies, and valuation requirements, ensuring each solution complies with FCA and UK lending regulations. His approach keeps transactions smooth and transparent.

Limited Company Mortgages

For property investors operating through a limited company, Stephen explains the structure and benefits of company-owned mortgages. He provides clear advice on tax efficiency, deposit requirements, and lender expectations to support strategic portfolio growth.

Development Finance

Stephen assists developers in arranging funding for new builds, refurbishments, and conversions. He ensures every project is supported by finance that fits its stage, scale, and risk profile.

General Insurance Protection

From property and landlord insurance to personal protection policies, Stephen ensures every client has the right level of cover. His advice helps protect your assets, income, and long-term investment security.

Local Expertise Across Lancashire

Based in Wigan, Stephen supports clients throughout Bolton, Chorley, Preston, Leigh, Skelmersdale, and Ormskirk. His local market knowledge helps him match borrowers with lenders familiar with property values and regional investment trends.

Get in Touch

If you are looking for a mortgage broker in Wigan or the wider Lancashire area, contact Stephen Charnock today. He offers clear, personalised mortgage advice designed around your goals, ensuring every client receives support from application to completion.