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.
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Consumers warned to be on ‘high alert’ for fuel payment scams
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HMRC has warned that scammers ramped up their activity in June, with more than 15,000 reports of Winter Fuel Payment scams.Comment on Facebook
Planning for the future? Government plans to make inheritance tax due on pensions, plus other changes to IHT rules, have seen a leap in people enquiring about the use of trusts to protect their wealth. So what are trusts, and how can they help you avoid paying more tax than you need? Have a read of this informative article from Money Week and discover how setting up a trust could be a smart move to protect your wealth and ensure your legacy.
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Trusts are surging in popularity as a way to avoid inheritance tax, according to financial advisers on the frontline of estate planning. We look at what trusts are and if they are right for you.Comment on Facebook
Are you a potential homebuyer looking for more affordable mortgage options? Chancellor Rachel Reeves is expected to announce a government-backed permanent mortgage guarantee scheme in her Mansion House speech next week, for both home movers and first-time buyers. For more information, read this article from MoneyWeek.
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Mortgages offered through the scheme will mean first-time buyers and home movers can buy a home with a deposit of just 5%Comment on Facebook
Ready to unlock exclusive benefits with your student bank account? With students starting or returning to university this September, it’s worth setting up a student bank account over the summer. These accounts work like regular current accounts, but come with extra perks to help their money go further. The main benefit is usually an interest-free overdraft, but they can range from cash bonuses, takeaway vouchers and cashback. Here, Which? takes a closer look at this year’s offers and the small print to help you or someone you’re supporting choose the right student account.
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This year’s offers include a 0% overdraft, up to £100 cash, a free Railcard and Just Eat vouchersComment on Facebook
Did you know that women are less likely to have protection in place, compared to men, according to a new survey amongst mortgage holders? Find out more in this article from Your Money.
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Women less likely to have protection in place for income shocks
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Women are more financially vulnerable to income shocks and are less likely to have protection, a survey says.Comment on Facebook
The Bank of England has said that prospective first-time buyers typically need both a large deposit and a large loan relative to their incomes to be able to access a mortgage. First-time buyers could be given a boost by lenders having the ability to offer more mortgages at high loan-to-income (LTI) levels, if they choose to. Britain’s biggest building society, Nationwide, welcomed the announcement and said it is aiming to increase its high LTI lending limit. Have a read of this article from The standard for more details.
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One mortgage expert said the Bank of England had made a ‘welcome and pragmatic move’.Comment on Facebook
Are you curious about the benefits of a Lifetime ISA? A Lifetime ISA (LISA) could be a good option if you're looking to get onto the housing ladder but are struggling to stitch together a mortgage deposit. While there are several types of ISA, LISAs are specifically aimed at those looking to buy their first home or save for retirement. Dive into this article from Money Week to understand how this savings account can work for you.
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You may be able to inherit some of your spouse or civil partner's state pension when they die.
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What happens to your pension savings when you die depends on several factors, including whether you've reached retirement age, the type of pension you have, your marital status and the beneficiaries y...Comment on Facebook
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Self-assessment taxpayers have until midnight on 31 July to settle the second advance paymentComment on Facebook