When we arrange a mortgage for you, this is what you can expect to receive:

Standard Mortgage Service

• End to end support with the arrangement of the most cost-effective mortgage for you
• Tireless attention to getting a mortgage for you when you have a poor credit history
• Post Implementation mortgage follow-up to ensure that it implemented in accordance with the offer
• Charges for this service: Simple: £295.00, Complex adverse credit rating: £595, Product transfer: £150 (with same lender)

Standard mortgage service and home-buyers financial review

But our business is about financial planning and so we want to offer our mortgage clients more at no additional charge to you

There is no obligation to take this service alongside the standard mortgage service but if you want to know more then click here

Brighter Financial Services Ltd have one aim. To support you, the client, with a comprehensive financial plan that helps achieve your financial aspirations, at every twist and turn of life’s journey.

We offer the full range of financial planning services from mortgages and insurance to pensions and investments. We can also help with IHT tax planning, Trusts, Equity Release and Wills.

We are specialists in occupational and personal pension advice and are one of the few companies in the country to have been granted authorisation from the FCA to provide advice on final salary pension schemes.

Whether it is advice you require or product management, we will ensure that when you work with us the result will be (taking account of market fluctuations) a financial portfolio that exactly matches your needs.

Margaret is 54 yrs old. She has worked in a stationery shop for the past 7 years but before this, worked for Social Services and Calming Places, a private nursing home, as a support worker, before the job became too much for her. She has a small personal pension and a final-salary pension scheme.

Margaret would like to speak to a financial adviser. These are the reasons why:

• She needs help from someone to make a financial plan so that she can plan her life.
• She wants to have reassurance from someone that she has the right product(s) for her which gives her high returns with low costs
• She wants support from someone to help her understand the jargon and see a clear way forward to help make the most of her money
• She wants to have a discussion with someone who has integrity and who she can trust.
• She would like to understand more about why she should look at possibly transferring out of her final salary pension scheme.

Can she get all this from an Independent Financial Adviser? With Brighter she can.

Click here for services

Josh is 27 years old. Josh finished university 5 years ago and decided to travel around South America and Patagonia for two years before returning home to look for a job .

Josh didn’t realise it would be so hard to get a job. Well hard to get a job in something he was interested in. There wasn’t much available in art or music and he didn’t fancy training to be a teacher. For the last few years Josh has been working in temporary positions in insurance services but is hopeful that he will be able to find something permanent and that suits him better in the future.

Recently however, he has been faced with a tricky decision. His Grandad has died and left him £5,000. He would love to set off again, exploring the World—yes the States or Canada---but he now has a girlfriend and one day thinks she will want to settle down. Is this the time for him to be sensible and save the money? Reluctantly he tells himself it is and decided to look on Facebook for a recommendation. There he found Brighter Financial Services Ltd who were offering low-cost on-line investments .

He decided to look into the company and what the on-line tool had to offer ……………

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