Ergon Financial Consultants help you make sense of your financial future.
Your home may be repossessed if you do not keep up repayments on your mortgage, call us today.
The value of pensions and investments can fall as well as rise, you may get back less than you invested, call us today.
Approver Quilter Financial Services Ltd 06/01/2026.
Financial planning is about more than just good advice or investment returns. It’s about providing guidance that you can trust.
Financial Review
The value of pensions and investments can fall as well as rise, you may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Do you have a shoebox full of financial paperwork? Sometimes life is just too busy to take control and sort our financial affairs out, we can help you with that.
We offer a full financial review service in the following areas:
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Wealth Management;
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Retirement Planning;
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Mortgages;
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Annuities;
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Personal Protection & Business Protection;
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Private Medical Insurance;
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Group Personal Pension Schemes.
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Protection
You might be more familiar with insuring your home but do we think enough about insuring our greatest asset, ourselves?
Events in our life time which could affect your level of earnings and your ability to pay your bills include:
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Short-term or long-term illness;
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An accident;
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A serious illness;
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Death.
We will review any plans you have in place to determine if they are sufficient to meet your needs.
Savings/Investments
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Maybe you are investing for:
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A specific goal;
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A rainy day fund;
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Maintaining a good standard of living.
Our approach to investment and savings advice is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money. These are some of the most important parts of obtaining the correct investment for you.
With our expert advice we will ensure that the solutions presented are right for you. So whatever your goals are to save for a wedding, university fees or for a rainy day we will help you make an informed decision.
Mortgages
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.
Purchasing a property is likely to be one of the largest financial decisions you will make. In today’s climate, therefore, it makes sense to get financial advice to find you the most suitable mortgage product to fit your personal circumstances. We can offer advice on most types of mortgages including:
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First time buyers;
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Re-mortgages;
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New homes;
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Buy to let;
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Capital raising for home improvements;
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Second homes;
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Right to buy from local authority.
Pensions
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Our approach to retirement planning is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money and your future.
We will help you:
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Get ready for Retirement;
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Understand how to best maximise your tax allowance;
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Navigate the choices.
As interest rates continue to plummet, it's crucial for savers to stay informed and plan accordingly. Savers are being warned to prepare for a 'new era' of lower returns as rates plummet. The average savings rate fell to 3.35 per cent in January from 3.4 per cent and over the past year, the average savings rate has fallen from 3.64 per cent to 3.35 per cent. In this article from the Daily Mail, learn more about what this means for your financial future.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Savers warned on 'new era' of lower rates: These are the top deals now
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Savers are being warned to prepare for a 'new era' of lower returns as savings rates plummet.Comment on Facebook
Planning your next getaway? Amid the gloomy British weather and sights set on the year ahead, many of us are looking to booking our 2026 getaway. Happily, there are some savvy saving hacks worth noting that could help you save £1,000s on your next holiday, and it's just by making three small changes. Get inspired by the practical advice and insider tips revealed by TUI's travel experts in this article from The Mirror.
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Travel experts share 3 easy hacks to save you up to £1,000 off holidays
sprou.tt
Booking a trip abroad isn't always cheap, but there are three savvy ways that could help you save up to £1,000 off your next holiday - and it's just by making a few simple changesComment on Facebook
Find out which cities have been ranked as the best for first-time buyers. The ranking is not only based on house prices, it also takes into account things such as commute times and local amenities.
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Best cities for first-time buyers to get on the property ladder
sprou.tt
The index doesn't just take into account house prices and deposits, it also looks at other factors that are important to first-time buyersComment on Facebook
January is one of the top three months of the year when scammers ramp up their focus on holiday scams. Find out what to watch out for when you're looking to book your next holiday in this article from the Guardian.
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January blues? Longing for an escape to the sun? Perfect timing for criminals to cash in
sprou.tt
This is one of three key months when fraudsters ramp up the number of scams to trap travellers into paying for a ‘bargain holiday’ … that doesn’t existComment on Facebook
Are you unsure about what type of mortgage to choose? Check out this informative article that breaks down your options and helps you make an informed decision. Read this article from Which?
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What type of mortgage should you choose in 2026? - Which?
sprou.tt
Can a tracker mortgage save you money this year? Or is it better to go for a fixed rate? We explain what to consider when picking a dealComment on Facebook
Are you a landlord navigating the world of taxes? If you earn property income, whether from long-term tenancies or short-term lets, such as Airbnb, there are several things you need to consider when filing for the 2024-25 tax year.
Here, Which? shares eight tips for landlords filing their self-assessments and a key tax change from April that landlords will need to prepare for. This article provides valuable insights and advice to help you with your self-assessment tax return.
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8 tips for landlords filing their self-assessment tax return - Which?
sprou.tt
Millions of landlords will need to file a return this year to report on what they made in 2024-25Comment on Facebook
Are you aware of the £100k tax trap that could impact millions of taxpayers? Frozen thresholds mean more people than ever are set to pay an effective income tax rate of 60% as their earnings increase beyond £100,000. For more information, read this article from MoneyWeek.
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Two million taxpayers to be hit by £100k tax trap by 2026/27
sprou.tt
Frozen thresholds mean more people than ever are set to pay an effective income tax rate of 60% as their earnings increase beyond £100,000. We look at why, as well as how you can avoid being caught i...Comment on Facebook
Did you know you could get support even if you’re not on benefits? Millions of households will soon be able to benefit from cash payments, rent support, food vouchers and more under a new scheme set to be launched by the Department for Work and Pensions (DWP). For more informaiton, read this article from the Independent.
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DWP reveals TWO new payments to support cost of living in 2026
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Applicants will not need to be claiming benefits to qualifyComment on Facebook
Understanding your payslip is crucial for financial literacy. Tax codes on your pay slip may appear to be a confusing jumble of letters and numbers, but they play a vital role in calculating how much tax is deducted from your earnings. An incorrect code could mean you're entitled to a refund running into thousands of pounds. Check out this informative article from The Mirror to decode what those numbers on your payslip really mean.
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'1257L' explained on payslips - and whether you're owed a refund
sprou.tt
Experts at RIFT have shown that the typical sum recovered through tax rebates across the UK stands at £3,000Comment on Facebook