How We Work


We are Independent Financial Advisers, which means we offer advice on financial products available from all product providers. We use up to date computer software to research, compare and select the most suitable contracts available to you.

Initially you will contact us to arrange a suitable appointment, either at our office in Haltwhistle or at your home. There is no charge for this first appointment, all that is required from you is to set aside some time for us to investigate your current financial situation, your needs and goals together.

At this first appointment we will also establish how you want to proceed and how you wish to pay for any advice, either by fees or commission.

We can advise you on anything from an immediate need such as a mortgage or life assurance to long term goals such as saving for your retirement or your children's future. All advice offered and any products recommended will be clearly explained and documented.

We provide follow up meetings in the form of an annual review to ensure your plans are still suitable and relevant to you in the years to come.

We charge a fee of £295, payable at the outset of a mortgage application. We will also be paid a procuration fee by the lender

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The Financial Conduct Authority does not regulate some forms of mortgages