Protect your family and your lifestyle in case of the unexpected


Looking to move home or reduce your current mortgage outlay?

Retirement Planning

We can help you plan by ensuring you have the best pension scheme possible now and at retirement


With so many choices, leave it to us to help make your money work harder for you.


We can support your business development plans with advice on growth, restructure and commercial lending

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

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.

Case Studies

Investing to try to improve deposit savings

We were approached by a retiring couple on retirement in 2013 when they were seeking some annuity advice.

A key part of their post retirement activity was going away on short trips with friends as well as looking after the grandchildren most weeks. They had a combined net annual income in excess of £27,000 derived from state & private pensions.

As a part of their annual review we discussed the level of savings they held in the bank. They felt that they had too much money on deposit earning very little interest and nothing after taking account of income tax and inflation.

They wanted to obtain an improved return with some of this money for capital growth purposes. They had not taken advantage of this year’s ISA allowances and were keen to do so.

They were prepared to invest a lump sum of £125,000.00 over the medium to long term and wanted it invested in the most tax efficient manner for capital growth.

We discussed the different types of funds available such as multi asset multi manager, single manager multi asset, tracker type and passive funds as well as their circumstances in relation to the principles of risk and reward and agreed their risk profile was balanced.

We agreed on an investment of £95,000.00 into a Collective Investment Account (CIA) combined with an investment of £15,000.00 each in to an individual equity ISA each. Each year we can transfer monies from the CIA into their ISA’s which improves the overall tax treatment applicable to the investment.

This type of ‘tax wrapper’ account supports the different tax treatments available for invested money including ISA's, Pensions, General investments (such as in OEIC's and Unit Trusts) and Bonds wrappers. It provides investors with access to a wide range of funds with a simple charging structure which they can understand.

We are committed to continue to provide a full review service to our clients and review their pension needs and investment objectives on an annual basis.

Tax treatment varies according to individual circumstances and is subject to change. 


Securing a Mortgage with 12 months Trading Accounts

Purchase Price: £245,000; Mortgage Required: £208,000; Term: 21 Years

A small business owner was referred to us by an existing client; she had been running a successful Fish and Chip Shop in Gloucestershire for just over one year and wanted to purchase her first home.

After approaching her bank for a mortgage and searching online she continued to come up against an obstacle – the company only had 1 year of trading accounts.  The standard response she was met with was “come back in 2 years’ time”.

When we were first approached by her we were confident that the mortgage could be placed with a specialist lender. We initially completed an AIP (Application in Principle) which gives an initial decision based upon the clients’ income, regular outgoings, monthly expenditure, credit score and the amount that they want to borrow.  This came back as an ‘accept’ with the next stage being to gather numerous additional documents and progress to a ‘full application’ stage.

With all the supporting documents (personal and business bank statements, I.D., certified accounts, SA302, proof of address for her current and previous home and proof of deposit funds) in place, and accepted, we had to wait for the underwriter’s response.

Initially, they stated that there may be a problem with the qualification that her accountant holds as it did not meet their requirements.  Her Accountant confirmed that he was not registered with the ICAEW or ACCA - this presented a slight hitch. After much careful consideration we contacted a suitably qualified accountant in her area who was able to liaise with her existing accountant to complete, submit and fully sign off the accounts.

Our client then found herself in a legal dispute with the local council as a sign post in her front garden meant that part of the land within her property boundary did not belong to the property. We liaised with her solicitor and the local council to ensure that the problem was resolved.  During this period of time her mortgage offer expired so we contacted the lender to request an offer extension - after completing several forms this was granted.

Our client was then able to complete her purchase and move into the property.


Offer of Commercial Lending secured within 3 days

We were approached for help by a property investor who had purchased a plot of land to build 10 houses. He had a good working relationship with his bank and had approached them to secure lending.  After almost 2 months all he had was a proposal to lend him just 50% of the value of land and 50% of the build costs.

This of course was of no use to him and there were a multitude of conditions that made the deal very expensive to progress. His frustration was very evident. Following a full review of his circumstances and plans, we were able, in just 3 working days, to help him obtain 65% of the gross development value (GDP) which was more than sufficient for the build cost and the land.

This was done on a draw down basis which meant he only paid interest on the facility for the money that he drew down and there was also no exit clause. Needless to say our new client was extremely happy.



It was so nice to find someone who was happy to listen to all of my questions and concerns before we agreed on a plan of action.

Christine, Swansea

Thank you so much for obtaining our mortgage, for persevering for so long and not giving up on us. We will be eternally grateful that we can finally live in the family home again.

Rebecca and Darren, Swansea 2017

Thank you for putting together an investment portfolio of cash, stocks, shares and property.

Geff, Newport

Thank you for the excellent service and advice given, you made my journey hassle free and tax efficient, and now very profitable

Steve Allan, March 2018

Daniel never let up and his tenacity was commendable. I was kept informed of our mortgage progress at every stage.

Louise, Swansea

Wanted to say thank you so much for all your mortgage help and advice over the past few months, you've been brilliant!

Dr Brazier, Liverpool, Sept.2016

Daniel went above and beyond to help us with our first mortgage. He explained the mortgage, its rates and terms very clearly, he was extremely patient and professional, we would highly recommend him.

Fi Davies, August 2018

My critical illness policy covers everything I need and took into account my lifestyle and income - thank you!.

Teresa, Llanelli

The company is first class, discriminating, intelligent, utterly trustworthy and dependable

Maurice, Swansea, March 2017

Gary provided excellent advice and assistance with a complex purchase. He understood the timescales and sourced lending when others could not.

James, Swansea

Straight forward information and easy to follow progress, being able to see everything via the Old Mutual portal is excellent. Stress free from start to finish and such a good feeling about who is best at looking after my financial future.

Phil Harmer, April 2017

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