Hall & Houghton

At Hall & Houghton, we pride ourselves on being a local mortgage broker deeply rooted in the community of Standish, Wigan. Our mission is to navigate the complexities of the mortgage market, providing expert guidance tailored to each client’s unique circumstances. With a strong focus on clarity and transparency, I strive to demystify the mortgage process, ensuring that you feel informed and confident every step of the way. My expertise spans a wide range of mortgage products, from first-time buyer schemes to buy-to-let mortgages and remortgaging options. I understand that every financial situation is distinct, which is why I take the time to listen and assess your needs comprehensively. By analysing your financial position and future goals, I can help identify the most suitable mortgage routes available, streamlining the process as much as possible. The application process can often feel overwhelming, but I am here to make it straightforward. I guide clients through each stage, from the initial enquiry to the final paperwork. I maintain open lines of communication, ensuring you're always aware of where you stand. My approach involves a thorough assessment of your credit profile and financial health, enabling me to present the most viable options to lenders, while also preparing you for what to expect. I specialise in niche mortgage products that are often overlooked, including shared ownership schemes and mortgages for the self-employed. These sectors can present their own challenges, but with my knowledge, I can pinpoint solutions that align with your specific needs. I stay up-to-date with the latest market trends and lender criteria, which equips me to offer valuable insights that can significantly impact your decision-making. Hall & Houghton is not just about securing a mortgage; it's about building lasting relationships.