karma uk ltd
89 Woodnook Road
Appley Bridge
What We Do...
  • First time buyer Mortgages

  • House Move or Re-Mortgage

  • Buy to Let Mortgages

About karma uk ltd

Hello, we are a young, (at heart) small team of fully qualified Mortgage advisors based in Manchester, Leigh, Horwich, Chorley, Wigan, Preston & Accrington. We have been trading since 2001, however our most experience advisor started over 26 years ago!

We genuinely want to help you get the best possible mortgage for your circumstances.

We offer no obligation home visits 9am – 8pm at our own expense, 7 days a week

We are proud of our relationships with local industry professionals and work closely with Solicitors, Surveyors and Estate Agents, from Manchester to Preston.

We speak your language. We are normal people (well not really, we are financial superheroes, but don’t tell anybody, its a secret)

We listen first, complete a full “fact find” then advise and recommend. Just like if you were going to your own bank. If you choose not to listen, that’s ok too! (although we do ask that the TV is turned off when we visit

We love to speak with first time buyers, before they get overwhelmed by the corporate salesforce. We will hold your hand through the “scary” world of house buying.

If your moving, getting divorced (we wont tell the other half if you haven’t) or looking to invest in property, we know all about that too.

Give us a call, you wont be disappointed.

Don’t believe me? See what others have to say about us on www.facebook.com/wesaveyou

Experience & Qualifications

All our advisors are minimum CeMAP 123. (That means we can legally talk to you about your mortgage!)

We all know lots and lotsabout Home* & Life Insurance.

Nobody WANTS insurance, until you NEED it! No hard sell we promise, just good honest advice.

We even have “special” insurance for company directors, which can save them loads of money. (if you know one, tell them about us)



There is a regulator that makes sure we do a good job. They are called the Financial Conduct Authourity and our number is 432444. You can findour registrationhere: https://register.fca.org.uk/ShPo_FirmDetailsPage?id=001b000000MfcQvAAJ

We also hold a consumer credit licence and a data protection licence.

The Legal stuff:

We charge a fee for mortgage advice. A fee of £99 payable at the outset and a further fee of £300 payable on production of the mortgage offer.

*Carma UK Ltd t.a Saving-You.com act as a credit broker not a lender. The Financial Conduct Authority do not regulate most Buy to Let mortgages
Saving-You.com is a trading style of Carma UK Ltd which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority


"Dear Steve

We would like to thank you sincerely for enabling us to get a Mortgage in a very short time. You made the whole process so straightforward relaxing and stress free.


You were always available on the phone keeping us up to date with the process, and very patient and always professional.

We also needed House insurance and again went to you this again was done very fast stress free and with great savings.

We are so pleased we were recommended to you, its very reassuring to have a great guy to turn to and will definitely be using you in the very near future.

I would have no hesitation in recommending you to my friends.

Thanks again Steve


- August 2016. - Lynn & Helen

Mark Hadfield was our mortgage advisor and I cannot recommend him enough.

All of the appointments were at our house at times of our own convenience, Mark always fit in with us.

Everything was explained clearly, we knew exactly what the process would be from start to finish and were never left wondering what was happening.

Nothing was too much trouble, when I had a query with paperwork from the Solicitors, all it took was a quick text to Mark and he had it sorted.

Mark got us such a great deal on our remortgage it enabled us to borrow extra and get our much wanted conservatory built.

Thank you so much Mark!

- - Nic Cooney

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