Kirkham Financial offer honest, professional advice, ensuring we scour the market to secure you the best and most competitive financial deals for your needs.
We offer a wide range of financial services, including mortgages, income protection, savings, and investment advice, as well as inheritance tax planning and much more.
We find you the most competitive deals that are best suited to your individual needs and circumstances, meaning we help to secure you a much brighter financial future.
We can help with everything from securing a mortgage for a new property, right through to helping plan your financial portfolio and achieving your lifetime goals and objectives.
We offer a full and comprehensive range of mortgages from across the whole market. This enables us to offer you a totally tailored solution that is unbiased and perfectly suited to your needs and circumstances.
Our dedicated mortgage advisor will help you every step of the way, ensuring you get not only the best deal now, but the best deal for your long term future too. As our advisors deal with mortgages on a daily basis, we can also suggest the most efficient providers for your circumstances, saving you time and money.
Our team can also provide guidance and advice on associated products such as life insurance, mortgage payment protection and even buildings and contents insurance, helping to make the process smooth, hassle free, and much more enjoyable!
Income protection is a great way of securing total peace of mind should you ever fall ill or, for whatever reason, be unable to work for any extended period of time.
Whilst most hope this situation would never happen to them, it does happen to people every day, with them often struggling to cover their monthly bills and costs of living.
Kirkham Financial have helped manage income protection plans for a wide range of our clients, helping many navigate through the more difficult times when a permanent income is difficult to secure. Our plans are provided from insurers for life, and cover critical illness and income protection plans.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Sales and Investment
With the economy always changing, it’s sometimes difficult to know exactly how to use your money in the most profitable manner. That’s where Kirkham Financial can help.
We take a careful look at the market and your personal circumstances, and advise on how best to use your assets in order to generate a positive return on investment. Whether that recommendation is to put your assets into savings or invest in other opportunities, we can advise you on the best possible routes to ensure a positive return on investment and the achievement of your financial objectives.
Kirkham Financial can offer you sound support and advice when it comes to choosing the right pension plan. Although many people know what a pension is, they often don’t understand the best ways to make it work harder for them.
At Kirkham Financial, we understand how best to choose a pension based on your income and longterm goals, and can advise on how best to invest in this to keep your costs and taxes as low as possible.
With new changes in legislation now in affect, we can also advise on how best to consolidate pensions to ensure they’re working harder for you, for the future.
Inheritance tax is a common occurrence these days due to higher house prices, meaning it is now a matter that many people are faced with each year.
Inheritance tax is usually applicable after a loved one or someone close has passed away and left an estate. The value of inheritance tax is calculated after any outstanding debts and funeral costs have been paid.
At Kirkham Financial, we can help you gain clarity on what this may mean to you, and can advise you on the best ways in which to put things in place for those you leave behind.
We can talk you through the entire process and outline the different options available, giving you total peace of mind and confidence that all your affairs are in order.
The value of your savings may go down as well as up. You may get back less than you invested. Past performance is not indicative of future performance.
Please feel free to call Kirkham Financial at either of our Oldham offices on 0161 925 3751 to see how we could help you.
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