About Us

Established in 2013, the team at Barlow Irvin Financial Services has many years’ experience providing practical financial planning advice to people, families and businesses in Bolton and the surrounding area.



We provide advice across a wide range of services including, mortgages and protection. We are committed to putting our clients at the heart of everything we do and to developing long-term relationships. This is achieved by ensuring that we understand the individual needs of each client, and by implementing tailored financial plans to address those needs.



At Barlow Irvin Financial Services, we pride ourselves on our friendly and approachable nature, and on playing an integral part of the local community.

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Our Team

Gary Oxborough

Gary is the founder and director of Barlow Irvin Financial Services Ltd. He has been in the finance industry for over 20 years and has specialised in mortgages since 2003. As well as running the firm he is still actively involved in advising clients. Away from work, he is a keen Liverpool FC supporter and helps to coach Turton Canons Under 13’s basketball team. He also spends time watching his son play
football and cricket and being “Dads taxi” to his teenage daughter.

Kath Brady

Kath is the second longest serving member of the Barlow Irvin team, having joined in 2015 after having been a long-standing client of Gary’s. She is our Client Services Manager and is responsible for the smooth running of the office as well as making sure our clients applications progress as quickly as possible. She previously worked in the legal sector. In her spare time, she enjoys spending time with family and friends and can often be found treading the boards with her local amateur dramatics’ society.

Jade Winstanley

Jade is our in-house Protection Specialist. Her job is to advise our clients on the most appropriate insurance for their needs. This includes Life Insurance, Critical Illness, Income Protection, Health Insurance and Home Insurance. Prior to working in financial services, Jade was an estate agent for 12 years. Being close to the financial sector, she decided to focus her energy on insurances. In her spare time Jade enjoys going out nice meals with friends and family and having one too many cocktails before getting on the dance floor!  She is also trying to get fitter and has recently purchased a new Garmin watch for herself and her 7 year-old niece, so they can monitor their progress on their bike rides.

Dan Johnson

Dan has been a mortgage advisor for 8 years with experience in estate agency and new build. He is married with two children and a dog. He is a keen golfer and enjoy fishing.  He also loves Italy and weekend trips to his family cottage in Wales.

Gavin Elmes

Gavin has been in the finance industry for over 30 years, having worked in the banking sector and more recently as a business finance broker. He brings a wealth of knowledge to the Barlow Irvin team and shares the view that excellent customer service underpins the continued success of the business. Gavin is our administrator and supports the client services manager and mortgage advisors in delivering a smooth and efficient process for our clients. Away from work, Gavin enjoys family time, is a Bolton Wanderers season ticket holder and enjoys playing football and table tennis.

Lume Jashanica

Lume started her finance career with the Lloyds Banking Group back in 2011 where she gained her knowledge of the finance industry. Later she started mortgages where she specialised in both UK and Expats. After her qualification to become a mortgage advisor, Lume has worked with clients from all over the world including Australia, Hong Kong and USA. Lume is also mother and a keen photographer.

James Westwood

James has been in financial services for over 3 years, advising clients in all residential and buy-to-let mortgages. Away from work James is married with a little boy who keeps him busy. James is also an ex-professional golfer and has travelled the world competing and is a winning caddy on the DP World Tour.'