Business Details
Independent Mortgage & Protection Advisors in Sheffield
Established as a trusted financial advisory firm, we specialise in mortgage solutions and protection planning. Our team combines extensive market knowledge with a client-focused approach to deliver tailored financial strategies. With regulatory oversight from the Financial Conduct Authority, we operate independently to access the whole of market, ensuring unbiased advice. Our services include mortgage arrangement, protection against life's uncertainties, and trust planning to safeguard client assets. We prioritise transparency in our fee structure, charging a clear 295 for mortgage arrangements.Our advisors maintain strong relationships with medical underwriters to secure optimal protection solutions. Through meticulous trust planning, we ensure life cover proceeds reach intended beneficiaries. Our commitment to excellence is demonstrated through partnerships with solicitors and estate agents to streamline client processes. With offices in Sheffield, we serve clients navigating property purchases, remortgaging, and investment property acquisitions. Our expertise extends to critical illness cover, income protection, and comprehensive financial planning services.
Services
Mortgages
Protection
Buy to Let Mortgages
Trust Planning
Financial Planning
Highlights and features
- We offer 15+ years' experience in mortgage and protection advice
- Our independent status provides access to the whole of market
- We provide free initial reviews for all mortgage and protection cases
- Our team maintains direct relationships with medical underwriters
- We implement comprehensive trust planning as part of protection advice
Associations and certifications
- Financial Conduct Authority
Services
Mortgages
We provide comprehensive mortgage advice for residential property purchases. Our services cover first-time buyer mortgages, remortgaging existing properties, and buy-to-let investment mortgages. Our FCA-authorised advisors work with major lenders to find competitive rates while considering individual financial circumstances. Our 295 arrangement fee includes full application support and liaison with solicitors and estate agents.
Protection
Our protection services cover life cover, critical illness insurance, and income protection. We help clients safeguard against financial risks from accidents, illness, or unemployment. Our advisors work with medical underwriters to secure appropriate coverage for pre-existing conditions. We specialise in trust planning to ensure proceeds reach intended beneficiaries while advising within our FCA-regulated scope.
Buy to Let
We specialise in buy-to-let mortgage solutions for property investors. Our services include portfolio management advice and sourcing competitive investment rates. While these mortgages aren't FCA-regulated, we maintain professional standards in our recommendations. We assist with property acquisition strategies and financing structures for rental property portfolios.
Trust Planning
Our trust planning service ensures effective inheritance arrangements for protection policies. We help clients structure life cover proceeds to bypass probate and reach designated beneficiaries. This service forms integral part of our protection advice, though it operates outside FCA regulation. We provide guidance on various trust structures to meet individual estate planning needs.
Financial Planning
We offer holistic financial planning covering mortgage strategies and protection needs. Our approach considers long-term financial goals while addressing immediate requirements. We provide free initial consultations to assess clients' complete financial situations and develop tailored solutions that balance property investment with risk management considerations.
People
James Mace
Company Director
As Director, James oversees strategic operations and maintains regulatory compliance. With 15+ years in financial services, he specialises in mortgage market analysis and business development. He ensures our advisory processes meet FCA standards while maintaining industry partnerships.
Peter Mogan
Company Director
Peter directs protection services and trust planning operations. His expertise covers risk assessment and insurance product analysis. He manages relationships with medical underwriters to secure optimal coverage solutions for clients with complex health histories.
Karen Wright
Mortgage & Protection Advisor
Karen provides specialist advice on residential mortgages and protection plans. With 10 years' experience, she focuses on first-time buyer schemes and income protection policies. She ensures clients understand product features and associated risks.
Kelly Waldron
Mortgage & Protection Advisor
Kelly specialises in buy-to-let mortgages and critical illness cover. She advises property investors on portfolio financing while helping clients structure appropriate protection against life's uncertainties through tailored insurance solutions.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, we are authorised and regulated by the Financial Conduct Authority under reference 555653 for mortgage and protection services.
What mortgage types do you offer advice on?
We advise on residential mortgages, remortgages, buy-to-let investments, and capital-raising schemes. Our advice covers the whole of market with a £295 arrangement fee.
Do you charge fees for protection advice?
Our protection advice is free at point of sale as we receive commission from providers. We disclose all remuneration details before proceeding with any transaction.
Can you help with complex medical histories?
Yes, our advisors maintain direct relationships with medical underwriters to secure competitive terms for clients with pre-existing conditions or complex health histories.
What happens if I have a complaint?
If we cannot resolve your complaint internally, we are obliged to offer access to the Financial Ombudsman Service for independent dispute resolution.
Do you offer trust planning services?
Yes, we incorporate trust planning into our protection advice to ensure life cover proceeds reach intended beneficiaries, though this service operates outside FCA regulation.
