Kilbrin Financial

Kilbrin Financial - Mortgage Advice Bolton | Mortgage118

Team Members

Meet our experienced team of mortgage professionals

Charlotte Harris

Mortgage Adviser

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Daniel Evans

Protection Specialist

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About Kilbrin Financial

At Kilbrin Financial, I’m passionate about guiding clients through the often complex landscape of residential mortgages. Based in Bolton, I focus exclusively on helping individuals and families secure the right mortgage for their unique circumstances. My approach is straightforward: I prioritise understanding your financial situation and goals, ensuring that every recommendation aligns with your needs. Navigating the residential mortgage market can be daunting, with myriad options and criteria to consider. I simplify this process by conducting a thorough assessment of your financial profile, including income, credit history, and future aspirations. This groundwork allows me to provide informed advice on various mortgage products available, whether you’re a first-time buyer, looking to remortgage, or purchasing an investment property. I work closely with a network of lenders, enabling me to access a wide array of mortgage products that suit different financial situations. I take the time to explain the intricacies of each option, including interest rates, repayment terms, and any potential fees, allowing you to make confident decisions. Throughout the mortgage application process, I maintain open lines of communication. I keep you informed at every stage, from the initial application to the final completion. Having a clear understanding of what to expect helps alleviate the stress often associated with securing a mortgage. In addition to my core focus on residential mortgages, I also provide insights into related financial aspects, such as insurance and protection products, ensuring that you are well-prepared for any eventualities. By considering these elements, we can create a holistic view of your financial landscape. Choosing a mortgage is one of the most significant financial decisions you will make. My goal is to empower you with the necessary knowledge and support to navigate this journey confidently.

Specialisations

Residential

Languages Spoken

🇬🇧English

Reviews & Ratings

Google

5(37 reviews)

David Brown

13 Feb 2026

Worked with Rob regarding a relatively straightforward tax query which he got to the bottom of with the minimum of fuss and in good time to help me with my financial planning.

Emily Chadwick

9 Feb 2026

I have had a fantastic experience with Phil. He took the time to explain all my options and consolidated my pensions into one much stronger scheme. The process was smooth, transparent, and reassuring throughout. I’m very pleased with the outcome and couldn’t be happier with the support I received and continue to receive.

Brian Bradley

26 Jan 2026

Phil Hay was an absolute pleasure to deal with on transferring my pension and taking over as my financial adviser. I am a detail person but every single question I had was answered and explained in an easy to understand manner. Nothing was too much trouble for Phil and he kept me fully informed throughout the whole process. Everything ran smoothly and his client service was second to none along with the support team at Kilbrin Financial. It is a leap of faith appointing a new financial adviser but I would have no hesitation in recommending Phil Hay.....he is a top guy and really takes the time to understand your requirements. His attention to detail and the fact he truly cares separate him from the competition!!

Daniel Klarfeld

26 Nov 2025

I’ve been really impressed with Phil Hay and the level of communication and support I’ve received. Everything has been explained clearly, promptly, and in a way that actually makes sense. He’s proactive, always easy to reach, and genuinely committed to helping me make the right decisions. It’s been a brilliant experience so far, and I feel very confident with the advice and guidance I’m getting. Fantastic service!

Luke Artingstall

21 Sept 2025

I’ve recently been working with Phil at Kilbrin to review my pension planning. Phil took the time to guide me through the process clearly and expertly, and I now feel much more confident knowing I’m on track with a solid plan. I would thoroughly recommend Phil — he has always been professional, supportive, and never pushy. Highly recommend Phil to others who need advice and guidance