Sanger Financial Services Ltd

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Sanger Financial Services Ltd

Mortgages
Life and Critical Illness Cover
Income Protection
Business Protection
Family Income Benefit
Home Insurance Our initial mortgage consultation is free.

With over 20 years’ experience in financial services, I will be able to guide you through the whole mortgage process. Whether you are a First time buyer, moving home or have come to the end of your current mortgage deal; I can search through a comprehensive list of mortgage lenders and over a 1,000 mortgage products to ensure you get the best deal possible. We will charge a fee between £150 and £5

00 on mortgage application. The amount we will charge is dependent on the amount of research and administration required. After an initial 10 minute chat over the phone, I will be able to give you an idea of costs. If we agree that it will be beneficial for you to proceed, I will be happy to travel to you to go through an in depth meeting including full advice and recommendations. I am based in York but travel to all areas in England and Wales. Richard Sanger t/a Sanger Financial Services is an appointed representative of First Complete which is authorised and regulated by the Financial Conduct Authority for Mortgages and non-investment advice only. Your home may be repossessed if you do not keep up to repayments on your mortgage.

17/03/2026

🚨 Mortgage deal ending in the next 6 months? Read this!!!

Mortgage rates have jumped up again in the last week — and the outlook is uncertain.

If your fixed rate is due to end soon, you don’t need to wait and risk paying more.

✅ You can secure a new deal now
✅ Lock in today’s rate (and switch later if things improve)
✅ Avoid being pushed onto a higher standard variable rate

I’m currently helping clients review options early and protect themselves from further increases.

💡 No fee for remortgages or product switches — just straightforward advice.

If your deal ends in the next 6 months, now is the time to act.

📩 Send me a message, comment below, or call me on 07825339558 and I’ll talk you through your options😊

Richard

Please like and share 🙏

18/08/2025

📊 How Much Could You Borrow for Your Next Home?

Lenders look at more than income. We’ll help you understand your true borrowing power by reviewing:

✔️ Your monthly expenses
✔️ Credit history
✔️ Your financial goals

📩 Contact us today for a free, no-obligation assessment.

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

17/08/2025

🌿A little reminder for your Sunday:

You don't need to have it all figured out.

Whether it's your next move, your finances, or what to make for dinner tonight - clarity often comes in small steps, not giant leaps.
I see it all the time with my clients... what starts as "I don't even know where to start" often turns into "Wow, that was easier than I thought".

Take your time. Ask the questions. I'm here when you're ready.

15/08/2025

🛡️ Could You Still Pay Your Mortgage If Life Changed Suddenly?

Mortgage protection insurance could help keep your family secure if:

✔️ You’re unable to work
✔️ You fall seriously ill
✔️ The unexpected happens

We’ll guide you through the best options.

📩 Contact us today.

13/08/2025

📸 What’s your favourite space in your home?

Whether it’s your garden, kitchen island, or a cosy reading nook — we’d love to see it!

Tag us or share a photo in the comments 🏡

Here is ours...

11/08/2025

🛡️ 5 Common UK Home Insurance Myths – Debunked

1️⃣ Flood cover isn’t included (It usually is!)
2️⃣ Your home is covered for what you paid (It’s rebuild cost, not market value)
3️⃣ Contents cover protects everything (Big items may need listing)
4️⃣ Buildings-only cover is enough (What about your belongings?)
5️⃣ All insurers are the same (Not true — especially at claims time!)

📩 Contact us today for a free insurance review.

09/08/2025

✨ Small Wins Count Too

This week I:

✅ Got 7 hours of sleep (once!)
✅ Helped someone understand their mortgage for the first time
✅ Didn’t forget bin day

Not every week is groundbreaking—but if you showed up, took care of life, and maybe helped someone along the way… that’s a win. 💛

What’s one little win you had this week?

08/08/2025

Buying a Home This Year? Let’s Make It Happen.

We offer:
✔️ Fast AIPs
✔️ Guidance through every step
✔️ Expert, pressure-free support

📩 Contact us today to start your journey.

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

06/08/2025

💬 What was your BIGGEST worry when buying your first home?

Stamp Duty? Surveys? Not understanding the process?

Share your experience in the comments — your insight could help someone else 👇

04/08/2025

🏡 What’s an Agreement in Principle – and Why Does It Matter?

Thinking about buying a home? Start with an Agreement in Principle (AIP):

✅ Shows estate agents you’re serious
✅ Gives a real idea of your budget
✅ Doesn’t usually affect your credit score

📩 Contact us today.

(Think carefully before securing debt against your home. Your property may be repossessed if you do not keep up repayments on your mortgage.)

03/08/2025

🧺 Weekend Mode: Activated

My Sunday plans: playing with the kids, snacks, maybe a walk… and absolutely no spreadsheets. 😄

What’s on your agenda today?

(And if you do get the urge to ask about mortgage renewals or if your insurance still fits your life, I won’t stop you 😉)

Address

Hallcroft Lane
Copmanthorpe
YO233UQ

Telephone

+447825339558

Website

http://www.sangerfs.co.uk/

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