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 (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.
Wondering about the future of house prices? Over the last year the typical UK home has risen in value by 1.8% which is down on the annual 2.4% recorded in October seeing house price growth slowing. In this article Karen Noye, mortgage expert at Quilter shares her views. Have a read and see if the slowdown in growth is expected to turn around in 2026.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
House price growth slows: Will it pick up in 2026? - what MORTGAGE
sprou.tt
House prices rose by 0.3% during November but the annual rate of growth has slowed, according to the latest data from Nationwide.Comment on Facebook
Curious about how the recent government budget impacts your finances? Following months of speculation about the cash ISA limit, the Government announced in the Budget that the annual adult cash ISA subscription limit will be reduced to £12,000 from April 2027. The annual overall contribution limit into adult ISAs will remain at £20,000, encouraging some savers who reach the cash ISA limit to put more money in stocks and shares. Check out this informative piece on ISAs and UK household finances from the Independent.
Read more - subscription may be needed.
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Households ‘have been shoring up cash Isas amid uncertain economic backdrop’
sprou.tt
The Government announced in the Budget that the annual adult cash Isa subscription limit will be reduced to £12,000 from April 2027.Comment on Facebook
Wondering why food prices are on the rise? While the cost of energy bills, one of the big contributors, has eased somewhat, households are still feeling the pinch at the supermarket checkout. The price of food continues to outpace the headline inflation rate, and is reaching unmanageable levels for millions of people. So when will prices stop rising so quickly, and is there anything the Government can do to help? Check out this informative article from the Daily Mail that explains why your weekly shop may be getting more expensive.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Why are food prices so high and when will they get cheaper?
sprou.tt
While price pressures on other bills such as energy are easing, Britons are still feeling the pinch at the checkout. When will costs stop rising so quickly?Comment on Facebook
Are you aware of the impact of budget tax raids on workers? New analysis from pensions consultancy LCP shows the exact salary that workers will lose out the most on following the tax raids in the latest Budget, including the salary sacrifice cap, freezing income tax thresholds and the salary at which graduates start repaying their student loans.. Check out this insightful article from The Sun to learn more.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Exact salary that workers will lose out the most on due to Budget tax raids
sprou.tt
NEW analysis shows the exact salary that workers will lose out the most on following the tax raids in the latest Budget. Those earning £52,000 will be the hardest hit according to analysis by pensiâ€...Comment on Facebook
Interest rates might be coming down but many mortgage borrowers will find their interest rate going up when they next remortgage. A report suggests that close to 4 million people will be looking at increased interest rates over the next three years as they locked in their current deal when rates were more favourable, and are yet to feel the impact of the Bank of England rate rise prior to the current dip.
Quilter is not responsible for the accuracy of this article's information ... See MoreSee Less
Mortgage misery for 4M households as bills will soar, says BoE
sprou.tt
Nearly four million households will be hit with higher mortgage costs over the next three years even though interest rates are now coming down, the Bank of England has said.Comment on Facebook
HMRC has confirmed from when some of the tax changes announced in the Autumn Budget will be coming into effect, including ISA and pension salary sacrifice scheme changes. Find out more in this article.
Quilter is not responsible for the accuracy of this article's information ... See MoreSee Less
HMRC confirms tax changes coming into force from exact date
sprou.tt
Chancellor Rachel Reeves unveiled £26 billion a year of tax rises and HMRC has confirmed timeframes for some of the key policiesComment on Facebook
The latest numbers from Nationwide are in and they show a month on month increase of the average house price in November despite uncertainty ahead of the Autumn Budget. Find out more in this article why the lender believe the announcements in the Budget will have a limited impact on the housing marketing in this article.
Quilter is not responsible for the accuracy of this article's information ... See MoreSee Less
UK house prices rise despite budget tax fears, says Nationwide
sprou.tt
‘Mansion tax’ announced by Rachel Reeves will have limited impact on property market, building society saysComment on Facebook
Did you know that even just 0.02 percentage points can have a significant impact on monthly mortgage payments? The average rates on 30-year and 15-year fixed-rate mortgages ticked up slightly over the past week, according to a recent survey. Whenever a mortgage rate increases it can have an impact on your monthly payment and the interest you pay. Have a read of this insightful article from the Independent for more details.
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Mortgage rates are up - what does it mean for homebuyers?
sprou.tt
Whenever a mortgage rate increases - even just 0.02 percentage points - it can have a significant impact on monthly paymentsComment on Facebook
Take a closer look at what the changes to cash Isa rules due to come into effect in 2027 mean for savers, and who will actually be impacted by these changes, in this article from Which? Money.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
How many savers will be impacted by new cash Isa rules? - Which?
sprou.tt
Which? analysis highlights how much cash Isa savers typically hold, in the wake of the Autumn Budget cutComment on Facebook