Safeguarding Your Financial Future.

Whether you’re a first-time buyer, moving house, or seeking long-term stability and peace of mind with protection advice, we can talk you through the options that suit your goals.

Secure Your Mortgage Protect Your Future

Are You Considering Buying a Property, Re-Mortgaging, or Moving House?

You may be looking at buying your first property, or you may be downsizing or looking for a bigger family home.

Maybe you’re just looking at a re-mortgage deal. Whatever your position, choosing the right mortgage can be a complex and overwhelming task.

We are here to cut through the jargon, guide you through the red tape and find the right deal that suits all your needs.

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

MOST BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

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Our Mortgage Services

Our mortgage services are designed to simplify the home-buying process, offering expert guidance and personalised solutions.

First-Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Moving home

Before you choose a deal, you need to decide what type of mortgage is the most appropriate for your needs.

Re-Mortgages

Re-mortgaging means switching your mortgage to another deal with another lender without moving property. This can save money if you find a better deal.

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Offset Mortgages

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

Self-Employed

We know that it can be harder to get a mortgage if you are self-employed, and we can work with you to find the most appropriate solution for your circumstances.

Do You Know the True Cost of a Mortgage?

Understanding the true cost of a mortgage is crucial for effective financial planning. A mortgage calculator can help you accurately estimate your monthly payments enabling you to make informed decisions and manage your budget effectively. Utilise our mortgage calculator to gain a clear picture of what your mortgage will truly cost and ensure you’re fully prepared for the financial commitment.

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Mortgage Calculator

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Expert Advice

We give you maximum peace of mind based on tailored, bespoke advice and solutions.

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15+ Years Experience

We provide expert guidance and tailored solutions to help you navigate complex financial decisions and achieve your long-term goals.

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147+ Satisfied Clients

Our satisfied clients are a testament to our personalised service and remarkable results.

Our Streamlined Mortgage Advise Process

Our streamlined mortgage advice process is designed to make securing a mortgage as simple and stress-free as possible. We offer personalised guidance tailored to your financial situation, helping you navigate the complexities of mortgage options and find a suitable fit for your needs.

Stage 1: Your Goals

We establish your goals and aspirations for property ownership.

Stage 2: Your Requirements

We gather relevant personal and financial information and establish your requirements for your mortgage, including insurance and protection.

Stage 3: Our Recommendation

We recommend a mortgage and any relevant protection / insurance cover based on what we know about your requirements.

We’ll also arrange any other services you need, e.g. surveys*, conveyancing* etc…

Surveys and Conveyancing are not regulated by the Financial Conduct Authority.

Stage 4: Application process

We oversee your applications, liaising with lenders / providers to help make sure your applications progress smoothly.

Stage 5: Reviews

We meet regularly to review your circumstances and help keep you on track to achieve your goals.

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Have You Considered Life Insurance?

Life and protection insurance is the best way to secure your financial future against the risk of an unexpected loss of income. Having this cover in place can also help you to deal with any financial difficulties that may arise, such as not being able to keep up with your mortgage repayments.

Nobody likes to imagine the worst happening, but sometimes the difficult questions need to be considered.

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The Different Types of Protection Insurance

If you were to die, would your loved ones be able to maintain their current lifestyle without your income? If not, then a lump sum life assurance payment could be the answer, helping your family through a very difficult time.

Life Insurance

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Critical Illness Insurance

Why might you need it? Many people buy serious and critical illness insurance when they take on a major commitment, like a mortgage, or when they start a family. However, as any of us could suffer a serious illness at any time and would most likely appreciate our financial burden being lightened, it’s fair to say that this type of cover is relevant for most of us, no matter what life stage we’re at.

Income Protection Insurance

Income protection insurance pays out a regular tax-free income if you become unable to work because of illness or injury. It could help you keep up with your mortgage repayments or rent, and other day-to-day living costs until you are able to return to work.

Family Income Benefit Insurance

This is essentially the same as term insurance, but instead of a lump sum pay out on death, there is a regular income paid to your beneficiaries.

This type of policy may be more suitable if your main requirement is to ensure that your dependents are provided with ongoing financial support.

Whole of Life Insurance

This pays out a lump sum when you die, whenever that is, as long as you are still paying the premiums.

Business Protection

As a business owner, you are critical to the success of your organisation. But if you, or your co-owner(s) were to become seriously ill or die, it could lead to serious problems with the ownership of your business. If you’re a sole trader, your business could collapse if you were no longer around or capable of running it, which could have a life-changing impact on those left behind.

It’s Time To Start Protecting Your Families Future

Life is unpredictable, and ensuring your loved ones are secure no matter what comes their way is essential.

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What Our Client's Say About Us

Our clients praise our personalised approach and clear communication, noting how our tailored solutions and support have positively impacted their financial decisions. Their feedback highlights our commitment to exceptional service and results.

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“The support we received from Mat and his team was second to none. The advice was always tailored to our needs and explained clearly so that we fully understood exactly whatever we were discussing, be it mortgages or insurance policies. Mat was attentive and always checked in with us on the progress of our sale, often telling us "everything will be OK" and "that's normal" which was often a massive relief to us. I cannot recommend him highly enough and have already done so to friends and family.

If you require friendly, personal and expert advice then I absolutely advise you to give Mat and his team a call.“

- J & K Lowry-Hall

“Mat is a financial advisor with a wealth of experience. I needed to review my pension and other investments and Mat took me through what could have been a complicated process and made the whole thing very easy. When dealing with these things there can be a lot of paperwork, but using the systems they have at hand, it was very simple, and I was able to see examples of what I could expect before I made a decision. I would have no hesitation in recommending Mat.”

- M Yarranton

"Mat really listened to me and put together a package for my investments and pension that I was not only happy with but actually understood thanks to Mat's clear (and patient), explanation and regular updates. This was such an improvement on the experience I'd had with a major bank.

I would not hesitate to recommend Serenity Financial Advice to anyone."

- E Edwards

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