GoMortgage
Blackpool
Mortgage advice covering bad / adverse credit, self-employed, later life / equity release and 4 more. GoMortgage has not recorded a fee structure.
Main contact
About GoMortgage
GoMortgage is a UK mortgage broker based in Blackpool. Its website describes mortgage advice for residential mortgages, buy-to-let, first-time buyers, self-employed borrowers. Its website publishes FCA regulatory details.
From this firm's public listing.
What this broker covers
From the areas recorded here.
GoMortgage records 7 of the 13 areas this directory tracks, working out of Blackpool: bad / adverse credit, self-employed, later life / equity release, commercial, buy-to-let, first-time buyers and residential. That is a broad listing.
Covering both adverse credit and self-employed lending is the harder end of the market — those two together are exactly the cases high-street lenders turn away, and they need a broker who knows the specialist panel.
Bad / Adverse Credit
Adverse credit work means the firm places cases that high-street lenders decline — defaults, missed payments, CCJs, IVAs and discharged bankruptcies. Lenders in this space price by how recent and how severe the event was, so the date on your credit file matters more than the amount.
Read the bad / adverse credit guideSelf-Employed
Self-employed cases turn on how a lender reads your income. Some average two or three years of accounts, some use your latest year, and sole traders, limited-company directors and day-rate contractors are all assessed differently. A firm that does this regularly knows which lenders sit where.
Read the self-employed guideLater Life / Equity Release
Later-life lending and equity release are separately regulated and have long-term consequences: interest can roll up against the value of your home, and it changes what is left in your estate. Advisers need a specific qualification to recommend it.
Read the later life / equity release guideCommercial
Commercial mortgages are underwritten case by case rather than from a rate table. Lenders look at the trading business behind the purchase, the property type and your experience, and terms are negotiated rather than advertised.
Buy-to-Let
Buy-to-let borrowing is capped by a rental stress test rather than by your salary, and the sums differ sharply between personal ownership and a limited company. Portfolio landlords with four or more mortgaged properties face extra underwriting. Alongside commercial lending, that points at semi-commercial units and HMOs rather than single flats.
Read the buy-to-let guideFirst-Time Buyers
First-time-buyer work means walking someone through it from scratch: what deposit is realistic, what an agreement in principle is worth to an estate agent, which schemes still exist and what lenders will ask to see. Adverse credit is also covered, which is the usual sticking point on a first application.
Read the first-time buyers guideResidential
Standard residential advice covers buying, moving and remortgaging on your own home — the bulk of UK mortgage lending, and the area where switching deal at the right moment usually saves the most. Here that runs alongside adverse-credit work, so it covers people a high-street lender has already turned down.
Read the residential guideFees: what this means for you
Fees not specified
We hold no fee structure for this listing, so we cannot say either way — the tailored questions below cover what to ask. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
Fee-free vs fee-charging brokers, compared →Checking this firm on the FCA register
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We hold no Firm Reference Number for this listing and have not verified the firm. Check the name on the FCA register before taking advice.
Questions to ask GoMortgage
Tailored to this listing.
- 1You list a wide range of areas — which of them do you place regularly, and would I be dealing with a specialist in mine?
- 2Do you charge a broker fee? If so, how much, and when is it due?
- 3Given what is on my credit file and when it happened, which lenders would consider me, and roughly how much more will that cost than a high-street rate?
- 4How will lenders read my income — salary plus dividends, net profit, or day rate — and do you work with lenders that use my latest year rather than an average?
- 5What qualification does the adviser hold for equity release, and how would rolled-up interest affect what I can leave to my family?
- 6What deposit, trading history and security will a commercial lender want from me, and how long does a decision usually take?
- 7Do you see clients at your Blackpool office, or is this handled by phone and video?
Getting in touch with GoMortgage
GoMortgage lists a phone number, an email address and its own website, so use whichever suits.
- First conversations are free and non-committal.What a broker does
- Bring payslips, statements, existing mortgage details.Document checklist
- Compare two or three brokers.How to choose
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Frequently asked questions
What does GoMortgage charge for mortgage advice?
Not recorded on this listing — ask GoMortgage directly, as it must tell you before you commit. Commercial cases are frequently priced separately from residential ones, so confirm which applies to you.
What types of mortgage does GoMortgage handle?
GoMortgage records bad / adverse credit, self-employed, later life / equity release, commercial, buy-to-let, first-time buyers and residential, working from Blackpool. Ask anyway if your case sits outside that list.
Can GoMortgage help if I have bad credit?
GoMortgage lists adverse credit as an area it covers, which means it places cases involving defaults, missed payments, CCJs or an IVA. Bring the dates and amounts from your credit file to the first conversation — specialist lenders price on how recent the event was, so an adviser cannot give you a realistic answer without them.
Does GoMortgage only cover Blackpool?
GoMortgage is listed in Blackpool, but UK brokers are not restricted to their own area and most advise nationally by phone or video. You can also compare other mortgage brokers in Blackpool on MortgageMatch.
MortgageMatch is a directory, not a broker. We do not give advice. Your home may be repossessed if you do not keep up repayments.