Your mortgage, made easier
Mortgage advice in Hale, Cheshire
We’ve been helping clients across Cheshire, Manchester and the Northwest with their mortgages since 2002.
When you choose NOW Financial Planning for mortgage advice, our dedicated mortgage planners, Karen Coello and Jordan Hughes, will search across a wide range of lenders and explain your options in plain English. They then manage your application from the first conversation right through to completion, helping to make your move go smoothly. They’ll also make sure your mortgage fits as part of your wider financial plan.
Speak to Karen or Jordan, our mortgage planners in Hale and start with a no-obligation conversation. We'll tell you honestly whether we can help.
Book a mortgage conversation by clicking here or call 0161 941 1944.
- Save money: we compare rates, fees and features, not just the headline rate.
- Save time: we handle the searching, paperwork and chasing.
- Less hassle: one named mortgage planner, backed by an experienced team.
Why use a mortgage planner instead of going it alone?
The lowest advertised rate isn't always the cheapest mortgage overall. Arrangement fees, valuation costs, cashback and early repayment charges all affect what you pay. Lending criteria also vary between lenders, so a deal you find online may not be one you qualify for.| Options | Going direct / DIY | With a NOW Mortgage Planner |
|---|---|---|
| Choice of lenders | One bank, or what a comparison site shows | A wide range of lenders and products |
| What's compared | Mainly the headline rate | Rate, fees, term, flexibility and total cost |
| Eligibility | Trial and error | Lenders matched to your circumstances first |
| Paperwork and chasing | You do it | We do it, including lenders and solicitors |
| Link to your wider finances | None | Considered alongside pensions, investments and protection |
Who we help
- First-time buyers: understand what you can borrow before you start viewing.
- Moving home: whether you're upsizing, downsizing or relocating.
- Remortgaging: before your deal ends and you move onto your lender's Standard Variable Rate.
- Self-employed people, business owners and company directors: lenders assess salary, dividends and retained profit differently, and we know which fit.
- Contractors
- Complex or multiple incomes: bonuses, commission, rental income or several income sources.
- Borrowing later in life: mortgages that run into or beyond retirement.
How it works
An initial conversation.
We search and recommend
We manage the application
Completion and beyond
Remortgaging? Start early
Many lenders let you secure a new rate several months before your deal ends, often up to six months. Starting early gives you time to compare calmly. Doing nothing could mean moving onto your lender's Standard Variable Rate.
When does your current deal end?
Tell us the date and we'll be in touch in good time to review your options. No commitment, just one less thing to remember.
A mortgage that fits your financial plan
The cheapest mortgage today isn't automatically the right one for the next five years. You may want to overpay, move again or retire early, or your income may change. As holistic financial planners, we consider your mortgage alongside your pensions, investments and protection.
Your home may be repossessed if you do not keep up repayments on your mortgage.
We offer a comprehensive range of first charge mortgages from across the market that are made available to mortgage intermediaries for which we are paid a procuration fee by the lender.
Meet your Mortgage Planners
Karen Coello (Cert MSP)
Mortgage and Protection Planner
Karen has been a Mortgage Planner since 1995 and has helped hundreds of first-time buyers, home movers and clients going through life changes find the right mortgage. She is known for taking the stress out of the process.
Jordan Hughes (CeMAP)
Mortgage & Protection Planner
Jordan helps clients arrange their mortgage and put the right protection in place, so the home you're buying is covered if the unexpected happens.
What our clients say
We are proud to have a 5 star rating on Google.
Read our reviews here.
Clicking a link will open a new window. Any external sites are not endorsed by St. James's Place.
Buying after a divorce:
I was introduced to Karen, a mortgage adviser, who helped me secure a mortgage on my family home following my divorce. Karen was supportive and professional. We talked about my long term plans and the fact I would be selling my house once my daughter finished her A-levels. Once I sold my property...
First home, then moving up:
My experience with NOW has been excellent and I would not hesitate to recommend.
We used NOW when buying our first house and when recently moving – we were beginners but Karen explained everything clearly including the step-by-step to buying a house which really set our minds at ease, expl...
Buying a family home:
Karen Coello is exceptional as an adviser and also is a very kind and trustworthy person. I felt completely confident in her skills, ability, knowledge and professionalism. Karen took all the stress out of the process of buying a home. She was very efficient and thorough, but at the same time ver...
Mortgage FAQs
How early should I start looking at remortgaging?
Can you help if I'm self-employed or a company director?
How much could I borrow?
What documents will I need?
Do I need to come into the office?
Start with a conversation
Whether you're buying, moving or remortgaging, tell us what you want to achieve, and we'll help you understand your options.
Call NOW on 0161 941 1944 or contact us via the link below.
We'll reply within one working day. No obligation, and no hard sell.
