Your information is 100% private and will never be sold or shared.
Independent Mortgage Advisor
As Independent Mortgage Advisers we will aim to find and select the most suitable mortgage that meets your objectives. We have access to Banks, Building Societies and specialist lenders.
Purchasing a property can be a stressful time and we aim to take all the mortgage related burden away from you so you can concentrate on other matters.
We will explain to you in plain English the different types of mortgage and rates available. We have been advising on mortgages for over a decade and we aim to steer you away from cheap initial rates with high initial set-up fees to the best overall mortgage deal.
There remain two main ways in which you can repay your mortgage.
A repayment mortgage is the most common and each monthly repayments consist of both interest and capital therefore over time, the amount of money you actually owe reduces. This method ensures that the mortgage is repaid at the end of the term providing all payments are made on time and in full.
The other method is to only repay the interest and this is called Interest-only mortgage. Each monthly payment consists of interest only you only repay the interest on the amount borrowed. At the end of the term the capital is still outstanding. Therefore you will usually need to take out some kind of investment policy (ISA, Pension) to save up enough money to repay the mortgage at the end of the term.
Based on your circumstances we will advice you on the most suitable mortgage and interest rate.
THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF MORTGAGES.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Complementary Financial Advice Guides
Auto Enrolment PensionsAuto-enrolment aims to increase the level of retirement saving though the workplace and affects every employer in the UK. This guide tells you how all employers including micro businesses can prepare for compulsory pension auto-enrolment. Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Guide to ISAs
Our complimentary guide to ISAs 2014-15. In this guide we discuss individual savings accounts and how to make the most of your annual tax year allowance. We cover questions such as 'What is an ISA?' and 'What should I look for in a cash ISA?' Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Planning For RetirementDespite all of the recent changes, pensions still represent one of the most tax-efficient ways for most people to save for retirement. The aim of our retirement guide, therefore, is to help you understand the options that are available to you. Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
Successful InvestmentSuccessful long-term investment is not just about buying low and selling high – although that is always a good principle to bear in mind. Go back to basics– markets may rise and fall but the rules of sensible investment remain constant. Sign up now to receive information about our paid services and receive this bonus guide today.
Get The Guide
"We have used the services of Sage Financial Management for the past year and we have found them to be extremely professional in their approach. The advice and guidance that we receive is honest, professional and reliable. They are always ready to find the time to meet with you and explain matters in full, in a manner that is appropriate. I will have no doubt in recommending them to friends and family."Dr Baki, Delta Care Limited, Preston
"Sage Financial Management has certainly been very helpful to me and my company. With issues such investments and pension planning I have reaped a lot sound and impartial advice. The advisers are always flexible on meeting arrangements to suit my busy schedule, and advice is in a simple language so it does not take me too long to analyse."I Ahmed, Eye Care Optical, Director, Nationwide
"Sage Financial Management provides an effective service that is tailored to the individuals needs. The service is performed in a professional, no-pressure manner. I have no hesitation in recommending them."W Yasin, Riley Moss Chartered Accountants, Preston
Latest Blog Posts
The auto-enrolment process is highly complex. Firms will need to implement a scheme by a particular date, called their “staging date” which is determined by their payroll size in 2012. To do this, you need to assess which employees will need to be enrolled in the scheme and this is based on employees’ ages, wages […]Read More
Inheritance Tax of £170 000 each was payable in the year 2012-13 by estates according to HM Revenue and Customs. This is a 15% increase to the previous 12 months. You work so hard throughout your lifetime the last thing you want is for your beneficiaries to pay a potential 40% tax charge on your […]Read More
For a number of years we have offered clients the ability to invest in a Sharia compliant manner. In addition to a number of Sharia compliant funds already mentioned in previous posts such as HSBC Amanah, Aberdeen Global Islamic Equity for now have funds specifically for the emerging market. A lot of Analyst are indicating […]Read More