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 Limited & Quilter Mortgage Planning Limited (17/01/2024).
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.
Could your family keep the home if the worst happened? A new survey reveals that 60% of mortgage holders don’t have life insurance to cover repayments if a partner dies unexpectedly. That’s a huge risk many aren’t prepared for. Check out this article from Which? for more information.
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Life insurance gap leaves mortgage holders exposed - Which?
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A Tesco Insurance survey found many mortgage holders don’t have life insurance or savings in placeComment on Facebook
Worried about the fluctuating housing market? House prices fell in September, according to Halifax, as buyers and sellers hold off ahead of rumoured property tax changes in the November Budget. Learn more about the recent drop in house prices and how it might affect you in this comprehensive report from Daily Mail Money.
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House prices fell in September as buyers and sellers fear tax hikes
sprou.tt
Property prices are up only 0.3% since the start of 2025 and just 1.3% higher than they were in September last year.Comment on Facebook
Having a child has always been a financial decision as much as an emotional one but, today, money worries appear to be the primary reason that people are rethinking the size of their families. As the cost of living in the UK continued, the Daily Mail suggests asking your partner these five key questions before having children. Have a read of this insightful article to find out more.
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The 5 money questions you MUST ask your partner before having children
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The Daily Mail spoke to a number of financial experts about the questions, both profound and practical, to raise with your partner before taking the leap into parenthood.Comment on Facebook
Curious about how the increasing state pension age may affect your future? More people are staying in work for longer, with new figures showing that retirement now comes several years later than it once did. Here, Which? explains what’s driving the change and how to check when you’ll qualify for the state pension and what you can do to prepare.
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Is the rising state pension age making people have to work for longer? - Which?
sprou.tt
Men are working until age 66 and women until they are 65Comment on Facebook
According to a new survey, financial carers may help to manage bills and payments and protect older relatives from scams. Around one in six adults class themselves as financial carers who are helping to manage the money of someone who is older and more vulnerable. Have a read of this interesting article from The Independent for more insights on this important topic.
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One in six adults ‘are financial carers helping relatives to manage money’
sprou.tt
Financial carers may help to manage bills and payments and protect older relatives from scams, according to the survey for L&G.Comment on Facebook
Student finances don't have to be complicated. For many undergraduates, university will be the first time they have had to budget for living expenses, as well as “fun” money and understanding how student finance works and learning how to manage money can make student life less stressful and more enjoyable. Learn how to take control of your budget with these helpful tips from Your Money.
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Student finances made simple
sprou.tt
Heading to university as a student can be exciting, but it also comes with financial challenges.Comment on Facebook
More than half a million young adults haven’t claimed savings from accounts set up between 2005 and 2011 - could you, or your child, have a forgotten Child Trust Fund to claim? Learn how you can find and access these funds in this article from the Independent.
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HMRC urges 758,000 adults to check if they have unclaimed child trust fund
sprou.tt
More than half a million young adults haven’t claimed savings from accounts set up between 2005 and 2011Comment on Facebook
Want to know more about the proposed major property reforms? Plans for a major reform of the house-buying system, which aim to cut costs, reduce delays and halve failed sales, have been unveiled by the government. Have a read of this article from BBC News to find out the details.
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House-buying reform plan aims to cut costs and time
sprou.tt
Under new proposals, sellers and estate agents will have to provide key information about a property up front.Comment on Facebook
Labour's Rachel Reeves says there won’t be any income tax rises and no return to austerity. Instead, the focus is on growing the economy. But how will that work? For more information, read this article from the Independent.
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What taxes could rise at next Budget?
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There are many options on the table as the chancellor looks to raise considerable sumsComment on Facebook