Future Plans Mortgages and Protection Ltd

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Bishopston
Future Plans Mortgages and Protection Ltd

I am an experienced and regulated mortgage and protection advisor with over 15 years of experience in the mortgage industry.

Future Plans Mortgages and Protection Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority (1024168). I have access to over 100 lenders, to help give you the most suitable mortgage deal for your circumstances. I have worked with a variety of clients, from individuals to businesses, home movers to first-time buyers, re

mortgages and products transfers. I also arrange *second-charge mortgages, *bridging finance and affordable home ownership schemes such as shared ownership, first homes England scheme and Right to buy. I have also partnered with other local professionals to be able to offer *solicitor and *valuer services. Please contact me if you would like to discuss your requirements as there is no charge for an Initial consultation.
*Some of the services listed will be on a referral basis.

1. Risk Warning- The Financial Conduct Authority does not regulate some forms of Buy to Lets. Your property may be repossessed if you do not keep up repayments on your mortgage.
2. Broker Fee Disclosure - We normally charge a fee at mortgage application stage; this is dependent on your circumstances and ranges between £195 -£495.
3. Jurisdictional Statement - The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
4. AR Disclosure - Future Plans Mortgages and Protection Limited, trading as Future Plans, is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
5. Limited Company Details- Future Plans Mortgages and Protection Limited are registered in England and Wales. Registered No:16080673 Registered Office: 172 Gloucester Road, Bishopston, Bristol, England, BS7 8NU

01/06/2026

😁😁😁

25/03/2026

Did you know that Future Plans Mortgages and Protection Limited offer a monthly newsletter!
Stay ahead of the mortgage market – for FREE!
If you want to keep up with the latest mortgage rates, property trends, and smart finance tips we have got you covered 👇
✔️ The latest mortgage updates
✔️ Market insights that actually make sense
✔️ Tips to help you save money and make better decisions
✔️ Useful info whether you're buying, remortgaging, or just keeping an eye on things
No spam. Just helpful infomation delivered to your inbox once a month.
👉 Drop me a message to get added to the mailing list.
See below for a sneak peak of the topics covered in the March edition being released on Thursday ✉️

29/01/2026

Being a whole of market broker I am able to work with some fantastic lenders to help achieve clients home owning aspirations 🏡🏘️🛖

Your Home may be repossessed if you do not keep up repayments on your Mortgage.
There may be a fee for mortgage advice. The exact amount of the fee will depend on your circumstances and will be discussed with you at the earliest opportunity. Typically, the fee will be between £195-£495.
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.

05/11/2025

The most common questions I’m asked in the Bridging Finance industry are:
“How does bridging work?” and “How are deals structured?”

Just like with traditional mortgages, every client’s circumstances, needs, and preferences are unique — there’s no one-size-fits-all solution. This is especially true when it comes to auction purchases and below market value (BMV) opportunities.

In some cases, the hammer price at auction may reflect the true market value. However, genuine BMV deals — such as the example detailed below — do exist. These opportunities typically arise from a strong understanding of the local market, awareness of the seller’s motivations, quick decision-making, and having your finances in order.

BMV opportunities don’t stay on the market for long, but with the right knowledge and preparation, they can certainly be found.

A lender I had never used before was sourced, as this was the most suitable lender for the client and the deal has just completed. A happy client and a happy lender makes a happy broker !

Get in contact if you are looking to invest in property and would like some assistance navigating the ever changing world of mortgages.

Your Home may be repossessed if you do not keep up repayments on your Mortgage.
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.

15/08/2025

What are your thoughts??
The correct answer is number 3!
Many people believe as you get later in life the only option available to you are Lifetime Mortgages where no monthly repayments are required by the lender, however this is not true.
Although lifetime mortgages may be suitable for some people for others having the flexibility to be able to obtain standard borrowing on a repayment basis or an interest only basis is the right solution for them.
With certain lenders allowing pension income, investment income and benefit income to support the mortgage and with no maximum age at the end of the term, this allows a flexible approach to obtaining a mortgage in later life, helping clients to achieve their goals maybe making home improvements, repaying debts, gifting money to children for a deposit for their first home or even purchasing a property overseas.
Get in contact if you would like to know your options. ☎️📨
Your Home may be repossessed if you do not keep up repayments on your Mortgage.
There may be a fee for mortgage advice. The exact amount of the fee will depend on your circumstances and will be discussed with you at the earliest opportunity. Typically, the fee will be between £195-£495.
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.

24/07/2025

For a long time the maximum loan amount on a standard Buy to Let mortgage was 75% Loan to Value with more recently a few lenders stepping into the 80% Loan to Value market and today one lender has launched a product which offers 85% Loan to Value on Standard buy to lets.
This may open up new possibilities for landlords — whether it’s their first buy to let or another addition to the portfolio.
Are looking to grow your portfolio? Are you interested in starting out a property business? Or maybe you would like your current portfolio reviewing, get in touch to see how we could help you.
Your Home may be repossessed if you do not keep up repayments on your Mortgage.
There may be a fee for mortgage advice. The exact amount of the fee will depend on your circumstances and will be discussed with you at the earliest opportunity. Typically, the fee will be between £195-£495.
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgage.

21/07/2025

Behind the scenes at Future Plans Mortgages and Protection Limited we have been busy working on Future Plans Bridging and Commercial Limited 🥳🥳
After a rigorous onboarding process of references and compliance I am super happy to announce that we have been accepted as a member of the NACFB 😁
Being a NACFB member gives customers and lenders the confidence they are dealing with a professional who knows the market and operates to the highest standards 👩🏻‍💻
Your Home may be repossessed if you do not keep up repayments on your Mortgage.
There may be a fee for mortgage advice. The exact amount of the fee will depend on your circumstances and will be discussed with you at the earliest opportunity.
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.

16/06/2025

Each lender has a unique criteria, this means that you may get declined with one lender ❌ but accepted with another✅.
Each lender also has different affordability calculations, this means you may not be able to achieve the required lending with one lender but you will pass with another.
Some lenders also offer enhanced income multiples if you meet their criteria, this can be credit profile, meeting the minimum income threshold or working in certain professions.
Sometimes finding the most suitable mortgage can seem like a dauting task but having a broker who is not tied to one lender or a small panel of lenders may massively increase your changes of a successful application. Get in contact if you would like a no obligation appointment to discuss your options.📧📨☎️
Your Home may be repossessed if you do not keep up repayments on your Mortgage.
There may be a fee for mortgage advice. The exact amount of the fee will depend on your circumstances and will be discussed with you at the earliest opportunity. Typically, the fee will be between £195-£495.
The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages.

12/06/2025

A fantastic day out at the NACFB Bridging and Commercial Event at the NEC Birmingham yesterday. I met with many niche lenders to help provide a solution for as many clients as possible.
To top of a great day I came home to a lovely 5* Google Review 😁
It is always a pleasure to help clients achieve their goals!

06/06/2025

A lovely afternoon spent with Together.
Together are a specialist lender that provide solutions for clients who do not fit mainstream lending.
If you have been thinking you may not be able to obtain a mortgage but would like to explore your options get in contact, as here at future plans mortgages we do not only have access to mainstream lenders but also specialist lenders as well which could help find the solution for you ☺️
Your home may be repossessed if you do not keep up repayments on your mortgage.

Address

172 Gloucester Road
Bishopston
BS78NU

Telephone

+447398920954

Website

http://futureplansmortgages.co.uk/

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