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.
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.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
'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
Do you live in one of the ten locations predicted to see the highest rise in house prices in 2026? Find out in this article by MoneyWeek. Spoiler alert, those that live in Scotland are in with a higher chance to see their area mentioned.
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Revealed: The 10 UK locations which could see the biggest house price growth in 2026
sprou.tt
Scotland leads the way for house price growth in 2026 according to Zoopla, but what regions will do the best in 2026?Comment on Facebook
Stay informed about the latest developments in tax policies and how they may impact your assets. Owners of high-value homes worth £2 million may already be on alert about a mansion tax but there are warnings that the new levy could affect homes below the threshold. Dive into this informative article from the Daily Mail on mansion tax and home valuations.
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How the mansion tax could affect you even if your home is valued below £2 million
sprou.tt
The mansion tax will apply to homes worth above £2 million from April 2028 but even lower-value properties could be looked at, MPs have been told.Comment on Facebook
Losing a loved one is never easy, but planning ahead can help ease the administrative chaos during such a difficult time. Sadmin, as it has become known, can be a huge burden for those left behind so don't leave it until it's too late. Have a read of this article from The Herald for five ways to avoid admin chaos after the death of a loved one.
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5 things everyone needs to do before they die to save loved ones from sadmin chaos
sprou.tt
Not planning on dying anytime soon? Do these five things anyway as a financial expert warns of the sadmin nightmare that can follow the death of a…Comment on Facebook
Are you interested in the latest trends in the property market? Recent analysis shows competition among lenders suggests that mortgage rates could be cut in the coming weeks. Have a read of this article from BBC News for more insights.
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UK set for a 'booming' mortgage market, say analysts
sprou.tt
Competition among lenders in the UK suggests that rates could be cut in the coming weeks.Comment on Facebook
Could lower interest rates help you save or cost you more? The Bank of England (BoE) has cut interest rates six times since August 2024, bringing the cost of borrowing down for both businesses and individuals. To learn more, read this article from MoneyWeek.
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What do falling interest rates mean for you?
sprou.tt
You may think that only businesses and politicians should pay attention to choices made by the Bank of England, but its interest rates decisions also have an impact on your personal finances. We expla...Comment on Facebook
Wondering if 2026 is a good time to buy an annuity? Buying an annuity involves swapping your pension savings for a guaranteed regular income that will last for the rest of your life. For more information, read this article from Which?
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Is 2026 a good time to buy an annuity? - Which?
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More retirees are opting for the certainty of a guaranteed incomeComment on Facebook
Are you interested in the latest trends in the property market? According to Halifax, the average UK house price dipped to its lowest level in six months in December. Karen Noye, a mortgage expert at Quilter shares her comments. Have a read of this article from The standard for more insights.
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Average UK house price fell to six-month low in December, says Halifax
sprou.tt
Property values fell by 0.6% or £1,789 month on month on average in December, the bank said.Comment on Facebook
A survey has shown that 28% of savers making use of salary sacrifice schemes plan on upping their pension contributions ahead of changes to National Insurance exemptions, with 11% expecting to lower their contribution after the new rules come into effect.
Find out more about the changes to pension payments from April 2029 in this article.
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Nearly 3 in 10 workers plan to increase pay-ins to pension before Labour’s tax change
sprou.tt
The survey also indicated that many people were unaware of any salary sacrifice changes announced in the budgetComment on Facebook