Business Details
Your Trusted Mortgage Broker in Blackburn
At O'Malley Mortgage Services, we specialise in providing tailored mortgage advice to individuals across Blackburn and Lancashire. With over a decade of experience, our team has supported thousands of clients in navigating the complexities of property finance, from first-time purchases to buy-to-let investments. Our CeMAP-certified advisors work independently through the PRIMIS Mortgage Network to access a comprehensive range of products, ensuring we find solutions that align with each client's unique financial circumstances. We prioritise transparency in our processes, offering clear guidance on mortgage options while maintaining compliance with Financial Conduct Authority regulations.Our approach combines local market knowledge with national lending expertise, delivering personalised service that addresses both immediate needs and long-term financial goals. We operate with integrity, ensuring clients understand all aspects of their mortgage commitments, including potential risks such as repossession. Through our established network of lenders, we simplify the application process, providing ongoing support from initial consultation to completion.
Services
First Time Buyers
Re-mortgages
Buy To Let
Holistic Advice
Mortgage Advice
Highlights and features
- We offer CeMAP-certified mortgage advice from experienced professionals
- Our team has supported thousands of clients across Lancashire
- We provide impartial access to a comprehensive range of mortgage products
- We operate under FCA regulation for consumer protection
- We offer no-obligation initial consultations for all clients
Associations and certifications
- Financial Conduct Authority
Services
First Time Buyers
We specialise in guiding first-time buyers through the mortgage process, helping clients understand their options and find affordable solutions. Our advisors explain government schemes, deposit requirements, and lending criteria while navigating clients through property valuation and approval processes. With access to multiple lenders, we identify competitive rates suited to individual financial circumstances.
Re-mortgages
Our re-mortgage service helps homeowners secure better rates or release equity from their properties. We assess current mortgage terms, compare market offerings, and advise on potential savings or financial opportunities. We handle the transition process between lenders while ensuring clients understand any exit fees or new commitment implications.
Buy To Let
We provide specialist advice for property investors seeking buy-to-let mortgages. Our service covers portfolio management, yield calculations, and lender selection tailored to investment goals. We explain tax implications, deposit requirements, and lending criteria specific to rental properties while helping clients build sustainable property portfolios.
Holistic Advice
Our holistic approach considers clients' complete financial situations when recommending mortgage solutions. We assess income, existing commitments, and future goals to ensure mortgage products align with overall financial health. This service integrates mortgage planning with broader financial considerations like insurance and retirement planning.
Mortgage Advice
We offer comprehensive mortgage advice covering all property finance needs. Our CeMAP-certified advisors explain different mortgage types, interest rate options, and lending criteria while providing ongoing support throughout the mortgage lifecycle. We maintain FCA-regulated standards in all our advisory services.
People
Mrs Kathryn O'Malley
CeMAP Mortgage & Protection Advisor
Mrs Kathryn O'Malley brings extensive mortgage expertise to O'Malley Mortgage Services, offering personalized advice across Blackburn. With a diverse background, she has guided thousands of clients in Lancashire towards affordable mortgage solutions.
Questions
What mortgage options exist for first-time buyers?
We help first-time buyers access competitive mortgages with appropriate deposit requirements, explaining government schemes and lender criteria to find suitable solutions.
How can O'Malley assist with buy-to-let mortgages?
Our specialists guide property investors through buy-to-let mortgage options, explaining tax implications and helping build sustainable investment portfolios.
What fees apply to mortgage services?
We charge £100 on application and £275 on completion, with all costs explained upfront before proceeding with any mortgage arrangement.
Are your services regulated?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, which is authorised and regulated by the Financial Conduct Authority.
Do you offer no-obligation consultations?
We provide no-obligation initial consultations to discuss your mortgage requirements without any commitment.
