Tom Swinscoe – Trusted Mortgage & Protection Broker in Chorley, Lancashire

Tom Swinscoe is a mortgage broker at Evolve Commercial Finance Limited.  He has over 20 years of experience in Financial Services, having first worked in the specialist Pension sector, followed by 13 years in Commercial Banking with NatWest, before moving into the mortgage sector.

Outside of work, he loves spending time with family (including their five cats!) and friends, and a good movie. He’s a big sports fan too, so he plays a bit of 6-a-side football to keep fit and particularly enjoys watching football (Preston North End for my sins) and NFL, but will gladly watch almost anything else competitive, for that matter!

When he puts his work hat on, he supports clients across Lancashire with clear and practical mortgage guidance. He works with individuals, landlords and property investors who require support with residential mortgages, buy-to-let finance, HMO lending, limited company mortgages, commercial finance, bridging finance, protection and general insurance.

Tom provides advice tailored to each client’s circumstances, objectives and affordability. Whether you are purchasing your first home, refinancing an existing property, expanding a property portfolio or securing short-term funding, advice is delivered with a focus on clarity and suitability.

Mortgage advice is tailored to your needs and provided in line with current UK regulatory standards.

Mortgage Advice in Chorley and Across Lancashire

If you are searching for a mortgage broker in Chorley, it is important to work with an adviser who understands both lender criteria and the challenges borrowers can face throughout the mortgage process. Tom supports clients purchasing residential properties, investing in buy-to-let opportunities, arranging commercial lending and reviewing existing mortgage arrangements.

Recommendations are based on affordability, lender criteria and your individual financial position. Where appropriate, options from a broad panel of lenders are considered to help identify suitable mortgage solutions.

Tom works with clients locally in Chorley and throughout Lancashire, while also supporting clients remotely where appropriate.

How Mortgage Advice Is Delivered

Every mortgage enquiry begins with a detailed review of your circumstances to ensure recommendations are appropriate and affordable.

The process includes:

• Reviewing income, expenditure and credit commitments
• Explaining mortgage types and repayment options
• Assessing lender criteria and affordability requirements
• Supporting communication with lenders, solicitors and relevant parties
• Providing clear explanations throughout the application process

Clients are encouraged to ask questions to make informed decisions with confidence.

Areas of Advice

Residential Mortgages
Support for first-time buyers, home movers and homeowners purchasing a new main residence.

Buy-to-Let Mortgages
Guidance for landlords purchasing or refinancing investment properties. Tax treatment depends on individual circumstances and may change.

HMO Mortgages
Advice for landlords arranging finance on Houses in Multiple Occupation, subject to lender criteria and property suitability.

Limited Company Mortgages
Support for property investors purchasing or refinancing through limited company structures.

Commercial Finance
Funding solutions for commercial and semi-commercial properties, subject to lender assessment and affordability.

Bridging Finance
Short-term lending solutions for time-sensitive purchases, refurbishment projects or chain breaks where appropriate.

Protection & General Insurance
Guidance on protection and insurance products designed to help protect individuals, families and properties against unforeseen circumstances.

Supporting a Wide Range of Client Circumstances

Tom supports clients with varying financial backgrounds and property goals, including:

• First-time buyers entering the property market
• Experienced landlords expanding portfolios
• Self-employed applicants with complex income structures
• Property investors purchasing through limited companies
• Clients reviewing existing mortgage arrangements

Each application is assessed individually. Mortgage approval is subject to lender underwriting and affordability checks.

Location and Availability

Tom, a mortgage broker in Chorley, works with clients across Lancashire, including Chorley and the surrounding areas. Advice can be provided face-to-face or remotely, depending on your preferences and circumstances.

• Preston
• Blackburn
• Bolton
• Wigan
• Leyland
• Southport
• Blackburn

Speak to Tom Swinscoe

If you require mortgage advice in Chorley or elsewhere in Lancashire, you can arrange an initial discussion to explore your circumstances and objectives. The aim is to provide straightforward guidance so you can make informed financial decisions based on your long-term plans.

Mortgage advice should always be based on suitability, affordability and your individual financial circumstances.