Mortgage & Remortgage Advice
Independent guidance on deposit readiness, lender criteria, fixed versus variable choices, and remortgage timing for UK homeowners and buyers.
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Elm & Sterling Advice
Financial counsel rooted in Northern Ireland, written for real households
We sit with payslips, pension statements, and mortgage letters until the next step is plain—then we put it in writing.
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Personal Financial Review
Two measured sessions that map income, protection, and near-term goals into a written plan. Built for people who want regulated UK financial advice before a house move, a career change, or a quieter rethink of where surplus cash should go.
How the review works
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Other ways we advise
Retirement Income Planning
Pension collation, State Pension timing, and drawdown sequencing so retirement income feels steady rather than improvised.
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Business Owner Wealth Counsel
Advice for directors and partners on extracting profit carefully, protecting family income, and aligning company decisions with personal goals.
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Appointments that respect the paperwork
Bring statements ahead of time. We meet by video or at our Sporer-under-Crooks office, and we reply within two working days to consultation requests.
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What the work looked like in practice
Margaret walked us through our pension consolidation with patience we had not found elsewhere. She asked about our daughters’ school fees before she mentioned any product.
The mortgage report was thorough, though it took a fortnight longer than we hoped while lenders chased paperwork. Once it landed, the comparison of fixed terms was plain enough for us to decide without second-guessing.
Ready to bring the statements?
Tell us whether you need a personal review, mortgage counsel, or retirement income planning. We will confirm fit and fees before you book.