Morris Shapland Financial Services Ltd

Morris Shapland Financial Services Ltd We advise to a wide range of private clients, corporations, trusts & more from our riverside office

🚨What a weekend for PB’s for the Morris Shapland team🚨Louise, Ethan and Kiaran all ran the Bideford 10km race and absolu...
11/05/2026

🚨What a weekend for PB’s for the Morris Shapland team🚨

Louise, Ethan and Kiaran all ran the Bideford 10km race and absolutely smashed it!👏🥳🫡

We’re delighted to share some exciting news 🎉A huge congratulations to Kiaran on being appointed Director of the firm! H...
20/04/2026

We’re delighted to share some exciting news 🎉

A huge congratulations to Kiaran on being appointed Director of the firm! His hard work, dedication, and leadership have truly made an impact, and we’re proud to see him step into this new role.

Here’s to the next chapter 👏

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Joint tenants or tenants in common?The difference between joint tenants and tenants in common is about how ownership is ...
19/12/2025

Joint tenants or tenants in common?

The difference between joint tenants and tenants in common is about how ownership is structured when two or more people buy a property together.
Joint tenants:

🔹 You both own the whole property together equally.
🔹If one of you dies, the other automatically inherits the entire property (this is called the right of survivorship).
🔹You can’t leave your share to someone else in your will.
🔹Often used by married couples or long-term partners who want the home to pass directly to the other person.
Tenants in common:
🔹You each own a specific share of the property (e.g. 50/50, 70/30).
🔹You can each leave your share to someone else in your will.
🔹There is no automatic inheritance for the other owner if one person dies.
🔹Common for friends, relatives, or business partners buying together, or if one person is contributing more money.

Follow our page for more helpful tips!

First-time buyer?Here are 5 tips on how to improve your credit score1. Get on the electoral roll - Registering to vote a...
17/12/2025

First-time buyer?

Here are 5 tips on how to improve your credit score

1. Get on the electoral roll - Registering to vote at your current address helps lenders confirm your identity and address history.
2. Make payments on time - Pay all your bills, loans, credit cards and direct debits on or before the due date—this builds a reliable payment history.
3. Keep credit utilisation low - Aim to use less than 30% of your available credit limit on cards and overdrafts. For example, if your limit is £1,000, try not to owe more than £300.
4. Check Your credit report regularly - Look for mistakes, outdated info, or fraudulent activity. You can access your report for via:
🔹Experian
🔹Equifax
🔹TransUnion
🔹 Or use a tool like ClearScore or Credit Karma
5. Avoid multiple credit applications at once - Each hard search leaves a footprint. Too many in a short time can lower your score.

Follow our page for more helpful tips!

🎄Updated Christmas office opening hours🎄We would like to wish everyone a merry Christmas and a happy new year! 🥳 🎅Best w...
17/12/2025

🎄Updated Christmas office opening hours🎄

We would like to wish everyone a merry Christmas and a happy new year! 🥳 🎅

Best wishes,

The team at Morris Shapland ❤️

🏡Getting help from family, here is what you need to know..🏡Receiving a gifted deposit? 🎁Make sure it is documented prope...
12/12/2025

🏡Getting help from family, here is what you need to know..🏡

Receiving a gifted deposit? 🎁

Make sure it is documented properly in order to satisfy lender criteria!

If you would like to learn more, our advisers are available on…
📞01237 422144
📧 [email protected]


🚨Why First Time Buyers shouldn’t overlook protection🚨Your new home is worth protecting. Mortgage protection provides fin...
10/12/2025

🚨Why First Time Buyers shouldn’t overlook protection🚨

Your new home is worth protecting. Mortgage protection provides financial security in uncertain times.

If you would like a quote for protecting your home and family, please feel free to reach out and one of our advisers will be happy to help.

🏡🧑‍🧑‍🧒🧑‍🧑‍🧒‍🧒

Speaking to us early is a WIN WIN situation!

It is never too soon to start a conversation about your mortgage.

Fixed vs Variable Rate: Which is suitable for you?A fixed rate offers certainty, while a variable rate could offer flexi...
05/12/2025

Fixed vs Variable Rate: Which is suitable for you?

A fixed rate offers certainty, while a variable rate could offer flexibility. What’s appropriate for you depends on your future plans and attitude towards risk.

If you would to learn more feel free to send us a message and one of our advisers will be happy to help you.

🚨Attention First Time Buyers🚨It’s not just about the deposit…think legal fees, surveys, removals, possible stamp duty an...
03/12/2025

🚨Attention First Time Buyers🚨

It’s not just about the deposit…think legal fees, surveys, removals, possible stamp duty and more. Planning ahead can save stress later.

If you would like to learn more, feel free to reach out and one of our advisers will be happy to help you.

☎️01237 422144
📧 [email protected]

🚨Big news today! 🚨 The Bank of England have dropped the base rate to 4% 🤩Contact us now to find out how this could affec...
07/08/2025

🚨Big news today! 🚨

The Bank of England have dropped the base rate to 4% 🤩

Contact us now to find out how this could affect you!

📱 01237 422144
📧 [email protected]

Address

Bucklandville, New Road
Bideford
EX392BD

Opening Hours

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

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