How I work

My bespoke service offers 'advice, recommendation and implementation ' phases to provide a  tailored solution to help achieve future goals.

Any solution that I recommend is always regularly reviewed to ensure the product continues to meet your expectations and remains on track to fulfil your future goals.


In order to achieve this, I follow this six-step process:

Step 1 - Initial Consultation 


This is where I identify your personal needs and objectives and establish what benefit our services would provide you with. I disclose the full service offering and the associated costs.

The initial consultation is a complimentary, no-obligation consultation. 



Step 2 - Making sure I know you


To provide you with the most suitable recommendation, it is important I fully understand what you wish to achieve in the future. The financial planning areas that could be discussed include:


Protection Planning

An assessment of your existing protection arrangements and identifying if there is any  protection shortfalls.


Mortgage review

A review of your existing mortgage and to compare 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 on providers, products and rates to identify the most suitable recommendation to help achieve your future goals.



Step 4 - Report & Recommendation


I then report back to you with the full research carried out on your behalf. I will also present my recommendation. If required, this will include specific product solutions that will support you in achieving your future goals. 



Step 5 - Implementation


This stage begins once I have your agreement from the ‘Recommendation’ stage. The ‘Implementation’ stage involves arranging and putting in place my recommended solution(s) on your behalf.

I act as the intermediary between the product provider/lender and you. 



Step 6 - On-going 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.




Your home may be repossessed if you do not keep up repayments on your mortgage.


The Financial Conduct Authority does not regulate on Buy-to-Let mortgages.


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