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.
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
sprou.tt
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?
sprou.tt
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%
sprou.tt
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?
sprou.tt
The average age at which people retire has reached a record high.Comment on Facebook
There are plenty of financial tasks that need to be dealt with after someone dies and it might feel like they need doing straightaway. Yet acting too quickly on things like selling a property, moving money or dealing with insurance, could create unnecessary tax, legal or financial problems - the last thing you need when emotions are already running high. This Telegraph article explores the money decisions you should press pause on. ... See MoreSee Less
Six money mistakes you could make in the rush to sort an estate
sprou.tt
Hasty decisions after a death can cost you dearly – here’s when to hit pauseComment on Facebook
How does the seven-year rule work when it comes to inheritance tax? This article takes a closer look at what it means and how taper relief work for gifts made three to seven years before death. ... See MoreSee Less
The common ‘misconception’ about the inheritance tax seven-year rule
sprou.tt
Gifts made less than seven years before death may be liable for inheritance tax under the seven-year rule – but how the rule is applied is less well knownComment on Facebook
Further your understanding on what the Your First Home scheme announced by the government means for first-time buyers in this article from the Daily Mail. ... See MoreSee Less
How to save for a house deposit faster
sprou.tt
The new Government scheme could allow first-time buyers to get on the ladder with a 2.5% deposit - but how much is that in practice and where should they stash their cash?Comment on Facebook
John Healey is soon to be announcing his Budget this month and investors are nervously waiting to find out what the autumn Budget has in store for them. First and foremost, nothing is set in stone and it is important not to act on speculation. Here Investor's Chronical looks at practical steps you can take to protect your assets as the chancellor eyes tax rises – and maybe a tax cut. ... See MoreSee Less
What to expect from the Budget
sprou.tt
Practical steps you can take to protect your assets as the chancellor eyes tax rises – and maybe a tax cutComment on Facebook