North Star Mortgage & Financial Services

North Star Mortgage & Financial Services Independent. Protection | Mortgages | Equity Release.

Chester 🧭

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421​

🧡 🧡🧡📍 Based in Chester. Advising clients across the North West, North Wales and beyond.�👉 Book a no-obligation chat: www...
06/06/2026

🧡 🧡🧡

📍 Based in Chester. Advising clients across the North West, North Wales and beyond.

�👉 Book a no-obligation chat: www.northstarmortgages.co.uk/get-in-touch

——

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

Most mortgage decisions feel easier when they are not being made in a panic.Before your current deal ends.�Before you st...
04/06/2026

Most mortgage decisions feel easier when they are not being made in a panic.

Before your current deal ends.
�Before you start viewing houses.
�Before you decide whether to move, renovate, remortgage or sit tight.

That is usually the better time to talk.

Not because you need to make a decision immediately, but because you need room to understand your options properly. What could you borrow? What might your monthly payments look like? Would your current lender make sense, or could the wider market offer something more suitable? Is there anything in your income, paperwork or credit file that needs tidying before you apply?

A mortgage review is not a flashing red warning light.

It is a chance to get ahead while everything is still calm.

📍 Based in Chester. Advising clients across the North West and beyond.

👉 Book a no-obligation chat today www.northstarmortgages.co.uk/get-in-touch

——

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

A lot of stress in financial decisions comes from feeling like you’re trying to squeeze your life into someone else’s ch...
01/06/2026

A lot of stress in financial decisions comes from feeling like you’re trying to squeeze your life into someone else’s checklist. We do the opposite. 🧭

We start with your situation and what you’re trying to achieve, then build a route that fits. That could mean planning around a specific move date, keeping monthly payments comfortable, balancing priorities, or understanding how different options play out over time. ✅

Bespoke doesn’t mean complicated. It means the advice is shaped around you, and the steps are explained clearly, in the right order, so you can move forward with confidence. 🤝

📍 Based in Chester. Advising clients across the North West and beyond.
�👉 Speak to us about support for your business.

——

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

Most mortgage decisions feel easier when they are not being made in a panic.Before your current deal ends.Before you sta...
30/05/2026

Most mortgage decisions feel easier when they are not being made in a panic.

Before your current deal ends.
Before you start viewing houses.
Before you decide whether to move, renovate, remortgage or sit tight.

That is usually the better time to talk.

Not because you need to make a decision immediately, but because you need room to understand your options properly. What could you borrow? What might your monthly payments look like? Would your current lender make sense, or could the wider market offer something more suitable? Is there anything in your income, paperwork or credit file that needs tidying before you apply?

A mortgage review is not a flashing red warning light.

It is a chance to get ahead while everything is still calm.

📍 Based in Chester. Advising clients across the North West and beyond.

👉 Book a no-obligation chat today www.northstarmortgages.co.uk/get-in-touch

——

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

A mortgage is not just a product. It is a decision that sits inside the rest of your life.Your income, your future plans...
27/05/2026

A mortgage is not just a product. It is a decision that sits inside the rest of your life.

Your income, your future plans, your family, your business, your monthly comfort level, your appetite for risk and the protection you have in place all matter.

That is why good mortgage advice should never start and end with “what’s the lowest rate?”

At North Star, we look at the full map before helping you choose a route. Whether you are buying your first home, moving, remortgaging, self-employed, investing in buy-to-let or thinking about later-life lending, we can help you understand your options with calm, tailored, whole-of-market advice.

📍 Based in Chester. Advising clients across the North West and beyond.
�👉 www.northstarmortgages.co.uk/get-in-touch

——

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

Mortgages are a big piece of life admin, and not always the part people look forward to most.But feeling clearer about y...
22/05/2026

Mortgages are a big piece of life admin, and not always the part people look forward to most.

But feeling clearer about your options?
Knowing what you can afford?
Having someone help you compare lenders, rates, criteria and next steps without the pressure?

That can feel pretty good.

Whether you are buying your first home, moving, remortgaging or simply trying to work out what comes next, we are here to help make the mortgage side feel calmer, clearer and much less overwhelming.

No hard sell. No panic. Just thoughtful, whole-of-market guidance from people who know the route.

📍 Based in Chester. Advising clients across the North West, North Wales and beyond.

👉 Book a no-obligation chat: www.northstarmortgages.co.uk/get-in-touch 🧭

——

Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.

Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority

Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.

Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.

North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

20/05/2026

For some people, the question later in life is not ‘how do we clear the mortgage quickly?’ It is ‘how do we keep the home and the monthly cost manageable?’⁠
⁠
That is where Retirement Interest Only mortgages can come into the conversation.⁠
⁠
A RIO is not the right fit for everyone, but for some homeowners it can offer a more realistic route forward. Instead of trying to force the mortgage into a shape that no longer suits later life, it allows for interest-only payments, with the balance typically repaid when the property is eventually sold.⁠
⁠
What matters is understanding why that could be helpful, where it fits, and what the longer-term implications are. This is not about looking for shortcuts. It is about matching the mortgage to the realities of retirement income and later life planning.⁠
⁠
At North Star, we help clients look at these options carefully and in context. Because later life lending is rarely just about the mortgage itself. It is about keeping the wider financial picture workable, stable and aligned with the life you want to keep living.⁠
⁠
📍 Based in Chester. Advising clients across the North West and beyond.⁠
⁠
�👉 Book a no-obligation chat.⁠
⁠
🧭 www.northstarmortgages.co.uk/get-in-touch ⁠
⁠
——⁠
⁠
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.⁠
⁠
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority⁠
⁠
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.⁠
⁠
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.⁠
⁠
North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

House hunting can look dreamy from the outside.⁠⁠Saved listings. Kitchen ideas. Furniture wishlists. A folder full of “c...
16/05/2026

House hunting can look dreamy from the outside.⁠
⁠
Saved listings. Kitchen ideas. Furniture wishlists. A folder full of “could this be the one?” screenshots.⁠
⁠
But behind every dream home, there is usually a less glamorous little file system forming too: payslips, bank statements, credit checks, deposit evidence and affordability questions.⁠
⁠
That is where good mortgage advice comes in.⁠
⁠
Before you fall too hard for the hallway tiles or mentally move your sofa in, it helps to know what lenders may be looking for, what you could realistically borrow, and how to put yourself in the strongest position before you make an offer.⁠
⁠
At North Star, we help you turn the house-hunting chaos into something a little more organised, calm and possible.⁠
⁠
📍 Based in Chester. Advising clients across the North West and beyond.⁠
⁠
👉 Book a no-obligation chat via now www.northstarmortgages.co.uk/get-in-touch⁠
⁠
⁠
——⁠
⁠
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.⁠
⁠
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority⁠
⁠
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.⁠
⁠
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.⁠
⁠
North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

A lot of businesses have contingency plans for systems, suppliers and cash flow. Far fewer have properly planned for wha...
12/05/2026

A lot of businesses have contingency plans for systems, suppliers and cash flow. Far fewer have properly planned for what happens if a key person cannot work.⁠
⁠
That gap can be bigger than people realise.⁠
⁠
In many businesses, one or two people hold a huge amount of knowledge, relationships or revenue responsibility. If one of them becomes seriously ill or dies, the impact is not only emotional. It can be operational and financial very quickly.⁠
⁠
Business protection is about recognising that risk for what it is. Whether that means key person cover, shareholder protection or relevant life cover, the underlying purpose is the same: to stop a personal crisis from becoming a business crisis as well.⁠
⁠
At North Star, we help business owners look at protection as part of business resilience, not just a nice idea to revisit later. With Matt, our in-house Head of Protection, it is a dedicated conversation around how the business works, who it relies on, and where the real risks sit.⁠
⁠
Because when a business depends heavily on people, protecting the people is part of protecting the business.⁠
⁠
📍 Based in Chester. Advising clients across the North West and beyond.⁠
⁠
👉 Speak to us about support for your business⁠
⁠
🧭 www.northstarmortgage.co.uk/get-in-touch ⁠
⁠
——⁠
⁠
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.⁠
⁠
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority⁠
⁠
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.⁠
⁠
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.⁠
⁠
North Star Mortgage & Financial Services Ltd is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA 460421

Address

Aldford

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+441244330134

Website

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