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.
UK consumer confidence has fallen to its lowest level in more than three years, as households grapple with concerns around inflation, interest rates and the cost of living.
New research has found growing pessimism about personal finances, spending and the wider economic outlook.
Read more in this article from The Standard. ... See MoreSee Less
Consumer confidence slumps to lowest point in more than three years
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October saw a sharp deterioration in confidence, with 57% of households expecting a shift to higher interest rates, according to S&P Global figures.Comment on Facebook
According to the Pensions Policy Institute there are over three million lost pension pots, with the average amount in each pot being £6,220. Learn more in this article about this, including how to track down lost pots. ... See MoreSee Less
Millions of pensions are going unclaimed in UK – here’s how to find yours
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Older people with lost pensions could have even more valuable ones to discoverComment on Facebook
Workers could have to put hundreds of pounds more a year into their pensions under proposals being considered to boost retirement savings.
A minimum total contribution of 12%, made up of both employer and employee cash, is under consideration by the second Pensions Commission, according to The i Paper. But no final contribution rate has been agreed and details are undecided.
The commission’s final recommendations are expected in spring 2027, meaning there will not be an immediate change to your payslip.
The Sun looks at how this could impact workers' take-home pay and why the change is being considered. ... See MoreSee Less
Ministers eye plans for workers to save more - how much will YOU have to pay in?
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MINISTERS are eyeing up plans that could force workers into saving more for their retirement – we reveal how much more YOU will have to pay in. Workers could have to put hundreds of pounds mo…Comment on Facebook
Christmas is fast approaching, and while the festive season is a wonderful time for families to come together, the extra costs can make it stressful.
Which? has rounded up 11 money-saving tips from its experts, from loyalty schemes to Secret Santa, to help you cut festive costs, both this year and for years to come.
Read more > ... See MoreSee Less
11 ways to boost your budget this Christmas - Which?
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Discover expert tips to save money on presents, food and festive essentialsComment on Facebook
ISA millionaires have hit a record high - there are now almost 8,000 ISA millionaires in the UK, as historic stock market returns have rewarded patient investors.
While it is theoretically possible for someone who put their full £20,000 ISA allowance into cash each year since 1999 to have become an ISA millionaire, it is incredibly unlikely, and the vast majority of ISA millionaires joined the club by putting their ISA contributions into the stock market.
For anyone dreaming of joining the ISA millionaire's club, it's important to remember that patience is key.
Read more in this article from MoneyWeek.
Investing can help your money grow over time but isn’t guaranteed. ... See MoreSee Less
Number of ISA millionaires hits new record high
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There are now almost 8,000 ISA millionaires in the UK, as historic stock market returns have rewarded patient investors. How can you join the club?Comment on Facebook
If your mortgage deal is coming to an end, should you fix for two years or lock in a rate for longer?
Fixed rates are currently close to the 6% mark - if you're coming to the end of a two-year fixed deal, you're likely to find that today's rates are slightly higher than when you last took out your mortgage. Those coming off five-year fixed rates need to prepare for significantly higher rates; for most mortgages, this jump will result in monthly repayments increasing by hundreds of pounds.
This Which? article looks at two- and five-year fixes plus six key things to weigh up before choosing your next mortgage. ... See MoreSee Less
Should you fix your mortgage for two or five years? - Which?
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Plus, 6 key things to weigh up before choosing your next mortgageComment on Facebook
Lost pension pot? Missing pensions can mean missing out on years of growth. According to new research About 2.5 million lost pots are thought to be held by people aged under 55. Have a read of this article from the Independent to learn how you can trace yours through services such as the Pension Tracing Service and pension finding tools. ... See MoreSee Less
Millions of pensions are going unclaimed in UK – here’s how to find yours
sprou.tt
Older people with lost pensions could have even more valuable ones to discoverComment on Facebook
With 6% mortgage rates now being talked about as the new normal, the housing market is changing fast. The average interest rate on a new five-year mortgage deal hit 6% last week, the highest in three years. If you’re planning to buy, now’s a good time to review your budget, explore options and get clarity on what you can afford. Have a read of this in depth article from the Observer. ... See MoreSee Less
For first-time buyers, 6% mortgages are the new 12%
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Global events have pushed borrowing rates to their highest level in three years, but that doesn’t mean we should expect a 1990s-style crashComment on Facebook
What does the rising State Pension age mean for retirement planning? The State Pension age is gradually increasing, and many people are staying in work for longer. This article looks at how the changes could affect retirement income, pension access and future planning. For more information, read this article from Which? ... See MoreSee Less
Does a rising state pension age mean you'll need to keep working? - Which?
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The average age at which people retire has reached a record high.Comment on Facebook