How I work

I offer an 'advice, recommendation and implementation' service to provide a tailored solution to every client. Any solution that I recommend is regularly reviewed to ensure the product continues to meet expectations and remains on track to fulfil specific needs and goals.

In order to achieve this, I take every client through the following 6-stage journey:

Step 1 - Initial Consultation 

This is where I identify personal needs and objectives and establish what benefit my services would provide you with. I disclose the full service offering and any associated costs. The initial consultation is complimentary and no-obligation to proceed further. 

Step 2 - Fact Find

To provide you with the most suitable recommendation, it's vital I fully understand what you want to achieve and hat your current circumstances are. Therefore, I start by completing a Fact Find, where I will gathering information that I will base my recommendation on. Any existing arrangements will also be discussed to ensure they continue to meet your needs.

Protection Planning

An assessment of your existing protection arrangements to identify if there is a protection need.

Mortgage review

A review of your existing mortgage and comparing to current mortgage rates to ensure you aren't overpaying on monthly mortgage repayments. 

Step 3 - Research

I will then be able to carry out thorough research to recommend the best solution that meets the needs we discussed during the fact find stage.

Step 4 - Report & Recommendation

After completing the research, I will report backto you with the outcome from the research and share the results with you. I will also present to you my recommendation. If required, this will include specific product solutions that will support you to meet your needs and/or future goals. 

Step 5 - Implementation

This stage begins once I have your agreement from the ‘Recommendation’ stage. The ‘Implementation’ stage involves submitting the application for my recommendation to the apprpriate lender/provider. I act as the intermediary between the product provider/lender and you.

Step 6 - Review Service 

An on-going relationship with my clients has always been integral to my business. I believe this adds significant value to the service I offer. Depending on your circumstances will depend on how frequent the policy is reviewed.

I offer a complimentary initial review and monitoring service for all mortgages and protection policies. The purpose of this stage is to monitor your arrangements to ensure these continue to meet your expectations and objectives.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debts secured on it. 

Please note that some mortgage, such as commerical Buy-to-Lets, are not regulated by the Financial Conduct Authority (FCA).