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.
Are you striving for financial independence or planning for retirement? For many, financial independence is what most would call retirement, offering them the freedom to choose how they spend their time without the need to adhere to a rigid work schedule. But what does financial independence really mean? How does it differ from traditional retirement? And why are more and more people turning to this concept as a new paradigm for living? Check out this insightful article to understand the differences and find out what might be right for you.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
BLOG: Financial independence vs retirement: What is right for you?
sprou.tt
What does financial independence really mean? And why are more and more people turning to this concept as a new paradigm for living?Comment on Facebook
Self-employed and looking for better ways to manage your finances? Taking control of your finances can feel like a tough ask when your income is unreliable. According to recent data, about a quarter of self-employed Brits have total wealth of less than £10,000, while more than half have nothing saved in their pension. But the good news is, there are plenty of simple ways to help you get your finances on the right track. Check out these helpful tips from The Independent to take control of your taxes and finances.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Five expert tips on how to manage your money when you’re self-employed
sprou.tt
Budgeting, taking care of tax and even planning for retirement are all down to you when you work for yourselfComment on Facebook
Looking to save on your mortgage? Mortgage rates in the UK are dropping below 4%. Whether you're buying your first home or looking to remortgage, now is the perfect time to explore your options. Don't miss out on these opportunities to save on your mortgage. For more information, read the latest article on MoneyWeek.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Will mortgage rates fall this year?
sprou.tt
Mortgage rates are tumbling, with a range of sub-4% deals now on offer. Whether you're buying a home, remortgaging or a buy-to-let landlord, we look at the outlook for mortgage rates this yearComment on Facebook
Want to gift your family without a hefty tax bill? Last tax year, Inheritance Tax (IHT) revenues hit a record high of £8.2bn, according to new HMRC figures. With IHT bills rising fast, giving financial gifts to your loved ones early could be a great way to reduce your inheritance tax bill. For more information, read this article from Independent.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Inheritance tax rules changes: Three ways to give gifts without creating a big bill
sprou.tt
Giving gifts to your loved ones during your lifetime could help trim any eventual IHT billComment on Facebook
Looking for affordable travel options to book your next get-away? A travel expert has revealed seven tips with The Mirror that could help you score cheap flights for your next holiday. Have a read of this article today to help bag yourself a bargain trip!
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
'I found £50 return flights to Italy with travel expert's trick'
sprou.tt
If you're looking to save on a holiday, a Booking.com expert has shared seven tips for finding cheap flightsComment on Facebook
Financial literacy is key when it comes to managing your savings. According to a government report, early Lifetime ISA withdrawal penalties are too complicated, with even clued-up savers losing out due to a lack of understanding. Take a look at this article from the Daily Mail and have a read of what Shaun Moore, tax and financial planning expert at Quilter, has to say.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Lisa charges are so complex 'financially literate' savers still suffer
sprou.tt
For those that were unaware of the full conditions placed on Lisa withdrawal, many viewed the charges as unfair, according to HMRC.Comment on Facebook
Want to know how the increase in pension access age could affect you? The minimum age you can start accessing private pensions will rise from 55 to 57 overnight on 6 April 2028. This means people in their late 40s and early 50s need to start planning ahead if they want to retire early, or intend to use some of their pension savings to clear debts like mortgages or meet other important expenses. Have a read of this feature from the Daily Mail for more insights.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Age you can access pensions will rise to 57 soon - how to plan ahead
sprou.tt
People in their late 40s and early 50s need to be aware of the change if they want to retire early, or use some of their pension to clear debt or meet other expenses.Comment on Facebook
Are you keeping up with the ever-changing UK house prices? Stay in the loop with this comprehensive map that highlights regional variations. Knowledge is key in the property market! Check out this interactive map from The Mirror that highlights the average house price in each area of the country. Simply enter your postcode to check your local market.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
UK house price map shows which areas have fallen and which are rising
sprou.tt
As house prices lept by a whopping 5.4% in the year up to February, we have created an interactive map highlighting the average house price in each area of the country - enter your postcode to check y...Comment on Facebook
Are you a parent in the UK? Check out this important warning about child benefit payments that you need to be aware of. A warning has been issued to child benefit claimants as they could potentially face hefty fines if they fall foul of the benefit rules. If you or your partner earns less than £60,000 per year, you can claim the full amount. But if one of you earns over £60,000, you have to pay some of the benefit back. Have a read of this article from the Mirror for all the details.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Child Benefit warning as thousands of Brits could face major HMRC charges
sprou.tt
However, the benefit is not as simple as it seems. If you or your partner earns less than £60,000 per year, you can claim the full amount of Child Benefit. But if one of you earns over £60,000, you ...Comment on Facebook