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.
With the school summer holidays fast approaching it can be a daunting time for parents, especially with rising costs. But families are expected to get cheaper access to theme parks, zoos and museums as well as kids' meals as a temporary VAT cut comes in to force today for the school summer holidays. Ticket prices at various attractions are among the activities where VAT will be reduced from 20% to 5% in what the government said would help with the cost of living. Have a read of this article from BBC News for all the details.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Price cuts on family summer days out come into force with VAT cut
sprou.tt
The government is reducing VAT from 20% to 5% on attractions and kids' meals as schools begin to break-up.Comment on Facebook
The Treasury has announced Isa reforms in regards to tax on savings in cash, and a new first-time buyer account to replace the Lifetime Isa. Rachael Griffin, tax and financial planning expert at Quilter, said the proposed first-time buyer Isa “marks a clear step towards creating a savings product that better reflects the realities facing aspiring homeowners, but there are issues still to be ironed out”.
Learn more in this article.
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HMRC announces 22% tax on cash interest held in stocks and shares Isas
sprou.tt
Treasury also promises a new first-time buyer Isa with no upper age limit, as the ‘age at which a first home is bought is rising’Comment on Facebook
Andy Burnham is widely considered a frontrunner to become the next prime minister following the resignation of Keir Starmer. But what would him stepping into the role mean for your finances? This article takes a closer look.
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What Andy Burnham as prime minister might mean for your money
sprou.tt
The Makerfield by-election winner has spoken out on income tax, stamp duty and more – so what might change?Comment on Facebook
King Charles tax payments will be part of the annual royal financial accounts announcement. As Prince of Wales he also revealed how much tax he was paying, but he will now become the first British monarch in modern times to make this information public. Learn more in this article.
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King Charles to reveal personal tax bill for first time as monarch
sprou.tt
For the first time, the annual financial report for the royals will include how much tax is paid by the monarch.Comment on Facebook
Ever wondered why buying a home takes so long? Proposed changes could cut weeks off the process and help stop deals from falling through at the last minute. That could mean a smoother journey for everyone involved. For more information, read this article from the Independent.
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New house market shake-up set to speed up buying and selling process in UK
sprou.tt
The reforms could also reduce unexpected and costly surprises which can lead to sales collapsing, helping people to keep more money in their pocketsComment on Facebook
Thinking about using a credit card on holiday? Travel credit cards can offer rewards, perks and better exchange rates but they’re not always the cheapest option for everyone. Before you jet off, it’s worth understanding how they work and what to watch out for. For more information, read this article from Independent.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Should I consider a travel credit card for my next holiday?
sprou.tt
Finance and travel experts outline the most financially savvy spending options when going abroad.Comment on Facebook
The average UK house price increased sharply in April, with a 3.8% annual rise, according to the Office for National Statistics (ONS). The increase, which was affected by stamp duty changes last year, took the typical property value to £270,000. Have a read of this article from The Standard for the facts and figures.
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Sharp 3.8% annual rise in house prices recorded in April as experts explain why
sprou.tt
The average property value surged by 9.9% annually in the North East of England in April.Comment on Facebook
Could a two-year delay impact your retirement plans? From 2028, most people will need to wait until 57 to access their pension savings, this could mean rethinking when and how you plan to retire. For more information, read this article from Which?
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Private pension age is rising to 57: will your retirement be affected? - Which?
sprou.tt
From April 2028, the age at which you can access your private pension will rise to 57Comment on Facebook
Stay vigilant this Father's Day! Scammers are targeting unsuspecting individuals with a new "Hi Dad" scam. Fraudsters typically target potential victims through messages or even AI-generated phone calls, posing as their child and urgently requesting money or a payment. Have a read of this important article from The Independant and learn how to protect yourself and your loved ones.
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Father’s Day warning issued after £160k stolen due to ‘Hi Dad’ impersonation scams
sprou.tt
Santander UK is warning parents to be aware of the fraud ahead of Father’s Day on Sunday June 21Comment on Facebook