Penn Financial - Mortgage Brokers, Protections and Insurance

25/07/2025

Buying your first home is a big step. It is exciting and often overwhelming. At Penn Financial, we are here to guide you through it all, every step of the way.

Explore flexible mortgage options for First-Time Buyers in 2025. Discover how Penn Financial can help First-Time Buyers get on the property ladder.

13/05/2025

People with existing Lifetime Mortgages should be taken through regular reviews. This can be with the original adviser, or any suitably qualified and authorised adviser.

Life events like illness, separation, new relationships, or changing goals can all impact your mortgage needs, your family and potential beneficiaries.

21/04/2025

We bring you the new Penn Tech, now led by Nick Abbott. Explore how Penn Tech integrates innovation and client service for your business.

25/03/2025

You can start the remortgage process now if your current deal ends within the next six months.
Please contact us:

Penn Financial | Mortgages and Protections brokers in London

14/01/2025

Equity Release and Lifetime Mortgages are often used interchangeably in everyday language and the media. However, it’s important to understand the distinction. A Lifetime Mortgage is a type of Equity Release, and since Lifetime Mortgages account for the very vast majority (if not nearly all) of Equity Release transactions, the terms are often used interchangeably. That said, professionals in the industry generally prefer the term Lifetime Mortgage for accuracy.

Keep reading:

Equity Release and Lifetime Mortgages are often used interchangeably in everyday language and the media. However, it’s important to...

14/01/2025

A few years ago, I inherited several clients following the retirement of a long-time advisor colleague. I reached out to each of them and one of those clients was Sylvia, a widow in her early seventies who had taken out a Lifetime Mortgage about five years prior. She welcomed the opportunity for a visit and a review of her plan.
Keep reading:

Be inspired by Sylvia's story. This is how thoughtful financial planning can create a lasting impact on your life and those around you.

10/12/2024

With more than three decades of experience in the financial services industry, Paul Smith brings a wealth of knowledge and dedication to the team. A qualified and authorised expert holding CeMAP, CeLTM, and CeRER accreditations, Paul has been shaping the financial futures of clients since starting his first Mortgage Broker practice in West London in the late 1980s.
Keep reading:

With more than three decades of experience in the financial services industry, Paul Smith brings a wealth of knowledge and dedication to...

10/12/2024

At Penn Financial, we are always striving to better serve our clients. That is why we are thrilled to announce that we now hold full FCA Permissions to advise on Equity Release and Islamic Mortgages. It is a major step forward in delivering comprehensive financial solutions to our loyal clients across the country.

We are here to help!
Contact us at: [email protected]
Call us at: 0333 344 4348

At Penn Financial, we are always striving to better serve our clients. That is why we are thrilled to announce that we now hold full...

28/02/2024

Did you know that the average homeowner remortgages their home approximately five times throughout their lifetime? Remortgaging can be a beneficial financial move, and we will explore how a mortgage broker can assist you in finding the best deal.

While it is possible to find a good mortgage deal without the help of a broker, seeking their assistance can greatly enhance your chances of finding the most cost-effective option. Mortgage brokers are skilled professionals who can analyse your financial situation and present you with various mortgage deals in a clear and concise manner.
Keep reading: https://www.pennfinancial.co.uk/post/is-now-a-good-time-to-remortgage

The decisions you have to make when considering remortgaging are particularly crucial at this time due to rapidly changing economic conditions, changing interest rates, and fickle mortgage products. Making the right choices now could result in significant savings on your monthly mortgage payments. B...

07/02/2024

Are you looking to remortgage in 2024?
A new year means a fresh start. This is a great opportunity to take stock of your finances, set your goals and come up or revise a strategy to achieve them.
Whether you want to get on the property ladder, or remortgage your home in 2024, an expert mortgage adviser can help.

Penn Financial | Mortgages and Protections brokers in London

12/12/2023

Our offices will be closed for Christmas and the New Year. Our last day in the office will be 12.00 noon on Friday 22 December 2023.
Our offices will reopen at 09.00 am on 02 January 2024.

May we take this opportunity to wish all a very Merry Christmas and a happy, healthy and prosperous 2024.
https://www.pennfinancial.co.uk/

27/11/2023

Reasons to Work With Us

Partnership and Support
We consider ourselves your partners in making important life decisions, prioritising protecting you, your loved ones and your wealth.

We are dedicated to understanding your unique needs today and in the future, ensuring that the financial products we recommend are suitable for you.

Values-Driven Approach
Our services are built on three core values:

acting in good faith,

avoiding foreseeable harm,

and assisting you in pursuing your financial objectives.

These principles guide our actions and recommendations.

Excellent Client Care
We provide exceptional client care and ongoing support. Our goal is to offer fair recommendations for financial products that align with your situation and objectives.

We offer advice, support, and help you understand the available options.

Thorough 4-Meeting Process
Our 4-meeting process is designed to ensure a clear understanding of your needs and financial goals. These meetings can be conducted in person or online and cover collecting relevant data, determining desired outcomes, presenting suitable options, and assisting with the application process.

The first two meetings and the last two meetings can be combined. Or they can be held separately from one another.

After each meeting, you receive a summary for reference.

Organisation and Information
We keep you organised and informed throughout the process. Our Case Management system, Proteus 3, stores all important information, communications and documents related to your case for easy access.

Additionally, we remind you of renewal dates before they are due.

Ongoing Support and Review
We maintain an ongoing duty to ensure the financial product you have purchased remains suitable for your circumstances. We navigate the financial product market to keep you safe and regularly review your file to ensure your circumstances have not significantly changed.

Layered Communication
We tailor the information provided to you based on your needs and financial goals. Depending on your preferences, you receive newsletters relevant to your goals and aspirations, with options to unsubscribe at any time.

Qualified Advisors
Our advisors undergo rigorous training and each advisor has a personal professional development plan, ensuring they possess the necessary certifications and expertise.

Our Advisors receive annual competency training and stay up to date with compulsory continuous learning.

Holistic Approach to Being Protected
With our sister company, a specialist law firm, we are able to provide additional services such as free Will reviews by a qualified solicitor and convenient access to various services under one roof, saving you time and energy.

Client Profile
While we aim to assist individuals in achieving their financial objectives, we may not be the right fit for straightforward cases or for those who do not see the value in professional services.

Our clients are typically busy specialists who appreciate and recognise the value of specialist expert advice.

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By choosing to work with us, you can expect a high level of service, comprehensive expertise, and a commitment to your financial well-being and protection.

Learn more and contact us:

Welcome to Penn Financial. Here you can learn more about us and how we work. Contact us if you have questions about mortgages and protections, life- or general insurance.