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​

A lot of stress in financial decisions comes from feeling like you’re trying to squeeze your life into someone else’s ch...
08/09/2026

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. 🤝

What we can help with:

🏠 Mortgages, residential, buy to let, remortgages, bridging finance, and more

🛡️ Protection, life cover, critical illness, income protection, and business cover

🔑 Equity release and later-life lending

If you'd like to talk through where you are and what your options look like, we're always happy to have that conversation.

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

👉 www.northstarmortgages.co.uk

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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

Our latest email takes a deeper look at what family protection can include, covering:• Life insurance• Critical illness ...
08/09/2026

Our latest email takes a deeper look at what family protection can include, covering:

• Life insurance
• Critical illness cover
• Income protection
• Children’s protection
• Pregnancy and early childhood cover
• Specialist medical support
• Fracture, non-medical, business and general insurance

You will not need every type of cover. The important thing is understanding what you already have, where a genuine gap may exist and what would suit your family and budget.

Read the full email here: https://wix.to/FUaWDG0

You can book your Family Protection Review through our website or by using the booking links included in the email.

A gentle content note: The email discusses pregnancy-related protection, childhood illness, accidents and loss. We understand these subjects may be difficult for some people, so please look after yourself and choose whether reading further feels right for you.



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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

04/09/2026

A reintroduction from North Star 👋

We're a mortgage and financial services firm based in Chester, and we work with clients at every stage of their financial life, from buying a first home to planning for retirement and everything in between.

What drives the way we work is fairly simple. We think people make better financial decisions when they feel properly informed, not rushed, not pressured, and not left to decode confusing terminology on their own. So we take the time to explain things clearly, ask the right questions, and make sure any recommendation we make is genuinely the right one for you, not the easiest one for us.

Being whole-of-market means we're not tied to a preferred list of lenders. We search across the market to find what fits your situation, which is how it should be when someone is trusting you with a decision this significant.

We're also proudly female-owned, and we care about the community we work in. That shapes how we treat every client, whether they're just starting out or navigating something more complex later in life.

What we can help with:

🏠 Mortgages, residential, buy to let, remortgages, bridging finance, and more

🛡️ Protection, life cover, critical illness, income protection, and business cover

🔑 Equity release and later-life lending

If you'd like to talk through where you are and what your options look like, we're always happy to have that conversation.

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

👉 www.northstarmortgages.co.uk

——

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

What an incredible 8 weeks! 🏏💙Every Monday, we’ve finished work, swapped the office for the cricket field and headed dow...
21/07/2026

What an incredible 8 weeks! 🏏💙

Every Monday, we’ve finished work, swapped the office for the cricket field and headed down to coach the brilliant 4–7-year-olds taking part in All Stars Cricket.

We’ve loved getting to know the children, watching their confidence grow and seeing how much fun they’ve had learning new skills each week. We hope they’ve enjoyed it just as much as we have and that they’ll keep playing and loving the game long after this summer.

A huge thank you to all of the parents and volunteers, and to Christleton Cricket Club for hosting the sessions and doing such a fantastic job of supporting and encouraging the next generation of young cricketers. Monday evenings have been a real highlight of our summer, and we’ll definitely miss them!

Have the best summer, everyone! ❤️☀️🏏

A brilliant evening of cricket at the Eaton Estate last night 🏏We were delighted to play as part of the Chester Associat...
17/07/2026

A brilliant evening of cricket at the Eaton Estate last night 🏏

We were delighted to play as part of the Chester Association of Property Professionals team in their annual friendly fixture against the Estate.

A huge thank you to our hosts for such a warm welcome, fantastic hospitality and a thoroughly enjoyable evening. The grounds looked absolutely beautiful, and it was a real pleasure to be part of such a great local event.

Also, a huge shoutout to Chelma Graphics for sorting the branding and adjustments on our cricket whites!

And, of course, thank you to everyone who played, supported and helped organise the match. We are already looking forward to the next one!

🏴󠁧󠁢󠁥󠁮󠁧󠁿 From Christleton to England, we’re behind the Three Lions tonight 🏴󠁧󠁢󠁥󠁮󠁧󠁿 At North Star, we’re proud sponsors of...
15/07/2026

🏴󠁧󠁢󠁥󠁮󠁧󠁿 From Christleton to England, we’re behind the Three Lions tonight 🏴󠁧󠁢󠁥󠁮󠁧󠁿

At North Star, we’re proud sponsors of Christleton FC because we know football starts long before the bright lights. It starts on local pitches, with volunteers giving up their weekends, teammates becoming mates for life, and communities getting behind their club.

That’s why nights like tonight are special. The same passion that fills grassroots football is what brings the whole country together when England play.

Come on England. Bring it home. ⚽💙

15/07/2026

Buying a first home in Scotland? 🏴󠁧󠁢󠁳󠁣󠁴󠁿

The Scottish First Homes Fund is now open and could help eligible first-time buyers with up to £10,000 towards buying their first home.

It is a shared-equity scheme, which means the Scottish Government takes a percentage share in the property. You still own the home and have full title, but the Government’s share is usually repaid when the property is sold or another payment event is triggered.

The fund can be used on homes with a value of up to £300,000, and you will need a capital repayment mortgage.

This could be a useful route for buyers who are close to getting on the property ladder but need help with the deposit side of things.

At North Star, we can help you understand:

🏡 Whether the scheme could be suitable
🏡 What deposit may still be needed
🏡 Which lenders are currently involved
🏡 How the mortgage side works
🏡 What the shared-equity part means
🏡 What happens next if you want to apply

You do not need to work it all out alone.

Let North Star guide you through the mortgage side clearly.

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

WhatsApp us directly:

www.northstarmortgages.co.uk/whatsapp

Or alternatively, book an appointment via our website:

👉 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

Is your mortgage deal ending in the next 6 months?It is worth reviewing your options early.You may be able to look at:* ...
12/07/2026

Is your mortgage deal ending in the next 6 months?

It is worth reviewing your options early.
You may be able to look at:

* A new deal with your current lender

* Remortgaging to a new lender

* Reviewing your mortgage term

* Checking what your monthly payments could look like

* Looking at whether your property value has changed

* Making sure your mortgage still suits your plans

Starting early can give you more time, more clarity and fewer last-minute panic emails with far too many exclamation marks.

At North Star, we can check your options and explain the next steps clearly.

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

WhatsApp us directly:

www.northstarmortgages.co.uk/whatsapp

Or alternatively, book an appointment via our website:

👉 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

What are swap rates, and why do they matter for mortgages?Swap rates are one of the background costs lenders look at whe...
08/07/2026

What are swap rates, and why do they matter for mortgages?

Swap rates are one of the background costs lenders look at when pricing fixed-rate mortgage deals.

Put simply, they reflect what financial markets think interest rates may cost over a set period of time.

So, if a lender is offering a 5-year fixed mortgage, they need to think about what it could cost them to fund that lending over those 5 years. Swap rates help shape that picture.

When swap rates rise, fixed mortgage rates can become more expensive.

When swap rates fall, lenders may have more room to reduce fixed mortgage rates.

They do not move in perfect step with the Bank of England base rate, but they are influenced by expectations around inflation, the economy and future interest rate decisions.

So when you hear that “swap rates have fallen”, it can be a sign that fixed mortgage pricing may become more competitive.

It is not a guarantee, but it is one of the signals lenders watch closely.

At North Star, we keep an eye on these movements so clients can understand what is happening behind the scenes, not just what rate appears on the page.�

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

WhatsApp us directly:

www.northstarmortgages.co.uk/whatsapp

Or alternatively, book an appointment via our website:

👉 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

Thinking about buying an investment property?A Buy to Let mortgage works differently from a residential mortgage, and le...
03/07/2026

Thinking about buying an investment property?

A Buy to Let mortgage works differently from a residential mortgage, and lenders will usually look at things like rental income, deposit, property type, personal income, tax position and overall affordability.

At North Star, we can help you understand your options clearly, whether you are buying your first rental property, expanding your portfolio, or reviewing an existing Buy to Let mortgage.

We’ll guide you through the process, explain what lenders may look for and help you work out the next step.

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

WhatsApp us directly:

www.northstarmortgages.co.uk/whatsapp

Or alternatively, book an appointment via our website:

👉 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

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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