Ferris and Culverwell - Financial Services Ltd

27/02/2026

Many higher rate taxpayers don’t know they can get tax relief on their pension contributions, as long as they claim it themselves.
Speak to us for more advice on how to get your pension working harder for you: www.ferrisandculverwell.co.uk
Tax treatment varies according to individual circumstances and is subject to change.
Approver Quilter Financial Limited and Quilter Financial Services Limited. January 2026

15/07/2025

If you are looking for unbiased whole of market mortgage advice in the area please get in contact with us. We can help guide you through the system with no undue pressure or extortionate charges. We work first and foremost on behalf of our clients for the best client outcome possible.

*** DUBIOUS SALES TACTICS AT TWO LEADING ESTATE AGENCIES UNCOVERED BY BBC INVESTIGATION ***

"She's probably done me out of quite a bit of money - I feel angry and conned."

Julie Gallagher believes her home was sold at a lower price than it could have gone for. There was a buyer who might have offered more for it, an undercover investigation by BBC Panorama can reveal.

Her Connells estate agent appeared to sideline this potential buyer in favour of someone else who had agreed to take out an in-house mortgage.

That mortgage was said to be worth about £2,000 to Connells, while the company potentially stood to make £10,000 in total by arranging add-on services and selling the buyer's property too.

"She sat on this sofa… and said she was actually working for me and she obviously is not, she's working for the company's ends," says Julie. "How dare Connells do that? Just appalling."

Panorama decided to investigate the company after speaking to more than 20 independent financial advisers (IFAs) and mortgage advisers from across England and Wales who had concerns about how the company operated.

Read the article in full here => https://www.bbc.co.uk/news/articles/cvg81l57x53o

Looking for an estate agent who has been vetted by us and is Buy With Confidence Trading Standards Approved? We can recommend Kingstons who have branches in Trowbridge, Melksham and Bradford-on-Avon.

08/05/2025

The bank rate has decreased to 4.25%, this means the interest earned on your savings will go down, on the other hand, your cost of borrowing at a variable rate will also go down.

Contact us today so that we can help you put the right plans in place.

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07/05/2025

Wishing the very best of luck to Faith and Ballinlough Kevin competing in the Badminton Grassroots Horse Trials today! Ride strong, trust your training, and most importantly - enjoy every moment. We'll be cheering you on!

24/04/2025

Why choose a mortgage broker over your high street bank?

Your bank might be your first stop, but it shouldn't be your only one. A mortgage broker gives you:
- Access to a wide range of lenders- not just one.
-Expert, tailored advice for your unique financial situation.
-Better changes of approval, especially if your circumstances are complex.
-Exclusive deals you won't find on the high street.

Your mortgage is one of the biggest financial decisions you'll make - Let's make sure it's the right one.

Speak to one of our mortgage brokers today and discover the smarter way to mortgage.

15/04/2025

State Pension Rise - What it means for your Tax Bill

From April, the State Pension has increased by 4.1% - great news for retirees. But did you know this could also push more pensioners into paying income tax?

With the new State Pension now at £11,976 per year (or £230.25 per week), its edging closer to the personal allowance threshold of £12,570. Add in any private pensions or other income, and you could find yourself liable for income tax - even if you weren't before.

Now's a good time to review your retirement income strategy. We're here to help you make the most of your money, tax efficiently.

10/04/2025

In our latest article, you'll find out more about the seven key principles for smarter investing. Discover how diversification, long-term planning, and staying invested through market fluctuations could help you navigate financial uncertainties and achieve your goals.

Read now 👉 bit.ly/42BnZvQ

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

07/04/2025

What is the best way to manage your finances during these uncertain times? To help guide you through this unsettling period, we've put together some helpful charts and diagrams that can help demonstrate the advantages of a long-term, diversified approach to investing.

Download now 👉 bit.ly/3urpSgA

02/04/2025

It’s never too early to think about retirement.

Taking the time to put a plan in place now will give you greater peace of mind about your future.

Get in touch today to start making better financial decisions.

Approver Quilter Wealth Limited, Quilter Financial Limited, Quilter Financial Services Limited & Quilter Mortgage Planning Limited. Quilter Financial Planning Solutions Limited. November 2024

28/03/2025

The state pension could rise by 4.6 per cent in April 2026, pushing it over the income tax threshold for the first time, OBR predicts

27/03/2025

After months of speculation, the Government have confirmed it is looking at reforming ISAs