Big money decisions, made simple.
Independent mortgage and financial advice for Lancaster and Morecambe — from advisers you can actually sit down with.
What brings you here?
Pick whatever sounds like you — we'll take it from there.
Two sides to PBS, and plenty of clients use both.
Whether it's borrowing to buy a home or building something for later, the approach is the same: search the whole market, explain it plainly, and handle the paperwork.
Mortgages
Your first home, your next one, or a portfolio. We're independent, so we search the whole market rather than a shortlist — then deal with the lender for you.
Financial planning
Making sense of pensions you've picked up along the way, putting your savings to work, and protecting the people who depend on you.
Your first conversation is free, and there's no obligation. See how it works
What could I borrow?
A rough indication in ten seconds. Then, if it's useful, we'll do the proper job with a lender that actually fits your circumstances.
Your numbers
Household income before tax, and whatever you've saved for a deposit.
Putting a property of about £232,500 within reach.
Talk this through with an adviserIndicative only, based on a common lender multiple of 4.5× income. This is not advice or a mortgage offer — what you can actually borrow depends on your circumstances, credit history and each lender's own assessment.
Your first conversation is free, and there's no obligation. See how it works
Three reasons clients stay with us.
Refreshingly human
A real adviser, in a real office on King Street, who remembers your name and your circumstances.
Genuinely independent
Not tied to any lender or provider. We search the whole market and tell you what we'd do in your shoes.
Here for the long run
Advising Lancaster and Morecambe since 2007, and reviewing our clients' plans every year since.
The people you'll actually deal with
“Great financial advice, very clear and concise and with no pressure.”
Jon Ford · Google review“Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances.”
Josh Heron · Google review“An excellent service, very efficient & a very good remortgage deal. Streamlined service & we were kept up to date regularly about the progress.”
Gary Macdonald · Google reviewLenders & providers we work with
The first conversation costs nothing but a cup of tea.
Tell us roughly what's on your mind and we'll come back to you within one working day. No hard sell, no obligation, no jargon.