Barnsdale Financial Management

03/09/2026

What’s the lifetime cost of using us as your mortgage broker?

Let’s assume that you buy your first house with a 5-year fixed rate and then do a remortgage to another 5-year fixed rate but move part way through that deal to a new home by porting your mortgage deal and taking some additional funds. You stay and do two further remortgages; the first on a 2-year deal and then another 5-year deal and take a further advance part way through that latest 5-year fixed rate, before moving again to your forever home where you see the mortgage out over the course of a further 3-year fixed rate and a final remortgage to a 5-year fixed rate deal.

That’s two purchase mortgages (£495 each), one port (£395), four remortgages (£495 each) and one further advance (£295). That’s a total cost of £3,660 over a 25-year period; the equivalent of £12.20 per month.

Now let’s assume that 50% of those remortgages will end up being product transfers, for which we don’t charge, so then the figure becomes £2,670; the equivalent of £8.90 per month.

So, for less than you pay for a Spotify, Amazon, or Netflix subscription you could be getting professional mortgage advice.

And unlike those faceless mega-corporations, you can contact us directly. So, if you’re interested in a chat about your mortgage, or your insurance needs, then please feel free to get in touch:

Office: 0116 332 6787
Email: [email protected]

All fees are indicative, and your exact situation may alter the fee charged, but the maximum fee will never be more than £495.

Approved by The Openwork Partnership on 07/07/2026

02/09/2026

‘I'd just work through it.’ That's what a client told me when we discussed income protection — his chambers colleague works successfully from a wheelchair, so he couldn't picture being unable to earn.

Then we talked about neurological illness, brain injury, prolonged incapacity — situations where the issue isn't mobility, it's reliability. They chose to implement income protection following my advice and mitigated that risk.

https://barnsdalefinancialmanagement.co.uk/advice-areas

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 27/08/2026

01/09/2026

It’s something that all mortgage brokers will have come across, sometimes delivered as a genuine question with curiosity over how such a thing could happen, sometimes said with a smugness that they feel they have somehow beaten you at your own game.

However, having faced this many times over the past 15 years, there are generally three reasons this happens:

1) It’s a market where rates are falling, and the client is comparing a deal you sourced for them a week ago with something they found online yesterday.
2) It’s a deal with a lender that the client doesn’t qualify for, be that due to affordability, credit score, or something else. That deal was considered and then discounted.
3) The clients have found a lower interest rate, not a better deal. The interest rate is lower, but the fees are greater or the cash back less, so overall it is not as good a deal and in fact more costly for the client in the end.

Finding the right mortgage deal for a client is far more complex than simply looking at the lowest interest rate. It is about calculating the total cost, looking at fees, cashback, and other incentives. It is about the lender’s rules and criteria; do they accept 100% of overtime income, will they look at a self-employed applicants latest years books or average it over two years, will they use a Company Directors tax return income or take their salary and a percentage of the net profits?

Only after looking at all of that will a broker make a recommendation on the right deal for a client with the most appropriate lender, that meets their needs at that point in time.

It’s never just about the interest rate.

If you’d like to have a chat about your own mortgage needs and would like me to help you find the right mortgage deal, please get in touch:

Office: 0116 332 6787
Email: [email protected]

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by openwork partnership on 26/06/2026

29/08/2026

The Barnsdale Financial Management team are all coming along to the Nottinghamshire Law Society's Charity Paws & Pints Treasure Hunt in aid of Pasic on Thursday 3rd September - will you be coming along too?

If you fancy it then the link is the comments and it's a £5 per person entry fee and teams are between 2-6 people.

Hopefully we'll see you there!

Full details and sign up link: https://www.nottslawsoc.org/events/charity-paws-and-pint-treasure-hunt

28/08/2026

Moving from an employed role at the CPS into self-employed practice is a huge step forward professionally — but on paper, it can look like a step backwards to a mortgage lender.

I recently helped a barrister through exactly that transition, matching them with a lender who understood career progression rather than penalising it.

LEARN MORE ABOUT BARRISTER MORTGAGES: https://barnsdalefinancialmanagement.co.uk/barrister-mortgages

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 17/08/2026

27/08/2026

What do we charge to help you sort out your mortgage?

Our standard fee for a full mortgage or re-mortgage is £495, payable at the point of sending the formal application to the lender. The meetings we have prior to that, the research that we do for you and even approaching the lender to check you pass their initial checks are all done at our cost.

If your mortgage needs mean that we are porting your mortgage; transferring it from one property to another, either to preserve a really good interest rate or avoid paying early repayment charges, then we generally lower our fee to £395*.

Should our advice suggest that you borrow additional funds on your existing mortgage (a further advance), then our fee is normally just £295*.

And if once we’ve done all research and the advice is that selecting a new deal with your current lender (a product transfer or product switch) then we waive the fee* entirely for you in most cases.

Providing fair value, expert mortgage advice, and clear support to make buying, refinancing, or borrowing extra funds as simple and stress-free as possible.

Interested? Feel free to contact us for a chat:

Office: 0116 332 6787
Email: [email protected]

* Fees are indicative, and your exact situation may alter the fee charged, but the maximum fee will never be more than £495.

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 26/06/2026

26/08/2026

Why trusting AI with financial advice could cost you dearly

Artificial intelligence can write emails, summarise documents and answer questions in mere seconds. It is an impressive technology and, when used correctly, has the potential to make many aspects of life and business more efficient.

What it cannot do, however, is provide appropriate financial advice.

Our latest blog is now live and you can read the full article on our website:

Artificial intelligence can write emails, summarise documents and answer questions in mere seconds. It is an impressive technology and, when used correctly, has the potential to make many aspects of life and business mor...

25/08/2026

Barnsdale Financial Management is delighted to be the lead sponsor of the The Warwickshire Law Society Charity Football Tournament in aid of Compass Shine.

25/08/2026

“I don’t need a protection adviser; I can sort it myself online.” Yes, you can, but will you get the same result?

I recently met with a client who just wanted some life insurance.

We sat down and we chatted through various options and agreed on the right plan for them. Not the cheapest plan, the right plan; the best balance of cover and cost – not something that any online system does effectively.

The premium for this was £31.01, but I knew from the medical information that they had given me that the premium would likely rise from that once the underwritten by the insurer; we had discussed this so my client was fully aware that the actual cost could be a little more.

The insurer came back after a few days, agreeing to cover them for £53.04pm.

I wasn’t happy with that, so I went back to the insurer and pushed back. I asked some pointed questions and they agreed to refer it back to a more senior underwriter.

The insurer has come back this afternoon at a premium of £38.48pm and agreed that their original assessment of the client had been ‘overly cautious’.

No online system fights your corner like that. That’s why you need a protection adviser.

If you’d like to have an informal chat to review your own circumstances and see what options may be available for your individual situation then please give us a call on 0116 332 6787 or email [email protected]

Barnsdale Financial Management Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 09/03/2026

22/08/2026

The Bank of Mum and Dad is playing a bigger role than ever.

But for many parents, providing that support means balancing other financial priorities.

From helping children onto the property ladder to supporting ageing parents and preparing for retirement, the sandwich generation is feeling the squeeze.

A clear financial plan can help you balance today’s demands with tomorrow’s goals.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Approved by The Openwork Partnership on 19.08.2026

Barnsdale Financial Management Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.