Park Hall Financial Services Limited

Park Hall Financial Services Limited Agents for the Yorkshire Building Society. The key to the success of our business and the reputation we have built, is individuality.

Park Hall Financial Services has been based in Mansfield for over 36 years, providing Nottinghamshire residents, professionals and businesses with advice tailored to their individual needs. Offering a range of insurance policies, wealth management advice & services, and mortgages, our highly skilled team deal directly with you to provide you with the outcome you’re looking for. Unlike many financi

al advisers, all of our advice is completely independent, meaning we aren’t tied into offering you unsuitable or unprofitable investments or products. We aren’t ‘run of the mill’ on the insurance side of the business either. Rather than trawling the internet, you can come and sit down with one of our fully qualified advisers so that we can tailor an insurance policy, specifically to you. Code of Ethics

We have very high standards when it comes to dealing with you – that’s why we have adopted the Chartered Insurance Institute’s Code of Ethics. In short, we promise to: -

Comply with the Chartered Insurance Institute’s Code of Ethics and all relevant laws and regulations
Act with the highest ethical standards and integrity
Act in the best interests of each client
Provide a high standard of service
Treat people fairly regardless of race, s*x, religion, age and disability

Mortgage rates have gone backwards, hoiwever there is good news.After three consecutive months of falling mortgage rates...
10/08/2026

Mortgage rates have gone backwards, hoiwever there is good news.

After three consecutive months of falling mortgage rates, July saw a reversal.

Moneyfacts reports that the average two-year fixed rate is now 5.63%, with the average five-year fixed rate at 5.66%.

Back in February, those figures were 4.85% and 4.94%.

Renewed instability in the Middle East has pushed up oil and energy prices, increasing concerns about inflation and future interest rates. That uncertainty has fed through into the markets and mortgage pricing.

However, mortgage choice is improving, with around 90% of deals withdrawn during the volatility earlier this year now back on the market. There is also more choice for borrowers with smaller deposits, including 90% and 95% LTV mortgages.

Mortgage deals are changing quickly. With the average product now available for just 11 days.

If you're thinking about buying, moving home or remortgaging, it pays to look at the bigger picture rather than simply chasing the lowest rate. Emma Snowden our Senior Mortgage Adviser and has over 15 years of experience and leads the mortgage team.

Your current financial circumstances and what you need are considered, then they guide you in terms of lenders, requirements and conditions so you can reach a decision on; and, if so, which lenders would be the most suitable for you to approach.

If you're considering your options, feel free to call Emma on 01623 651773 or email [email protected].

🏡 House prices are stable... but affordability is still the key issue.The latest figures from Lloyds show UK house price...
07/08/2026

🏡 House prices are stable... but affordability is still the key issue.

The latest figures from Lloyds show UK house prices grew by just 0.1% over the past year, with average prices remaining broadly unchanged.

While that may sound positive, many buyers are still facing higher borrowing costs and uncertainty around mortgage rates.

The good news is that not every area is seeing the same picture. Some regions continue to perform strongly, while others have seen prices soften slightly.

The most important question isn't whether prices rise or fall by a fraction of a percent.

It's whether buying, moving or remortgaging is the right decision for your financial situation.

Every family's circumstances are different, which is why personalised financial advice can help you make informed, confident decisions rather than reacting to headlines.

If you're thinking about buying your first home, moving house or reviewing your mortgage, we'd be happy to have a chat.

📞 Get in touch with Park Hall to find out how we can help you plan with confidence.

Are you making the most of your pension?Research has found that almost 70% of pension savers would be more engaged with ...
06/08/2026

Are you making the most of your pension?

Research has found that almost 70% of pension savers would be more engaged with their pension if they had greater investment choice.

It's easy to leave your pension on autopilot, but taking the time to understand how it's invested and whether it still matches your goals could make a real difference to your retirement.

The important thing isn't having endless investment options—it's having the right options, backed by clear guidance and a plan that works for you.

At Park Hall, we help clients understand their pensions and make informed decisions with confidence, so they can focus on enjoying life today while planning for tomorrow.

If you'd like to review your pension or discuss your retirement plans, we're always happy to help.

Should we wait until we're gone to help our family?Increasingly, the answer is no.More families are choosing to support ...
05/08/2026

Should we wait until we're gone to help our family?

Increasingly, the answer is no.

More families are choosing to support children and grandchildren during their lifetime rather than leaving everything as an inheritance.

Whether it's helping towards a first home, education costs, childcare or simply easing financial pressure, many parents and grandparents want to see the difference their money can make while they're here to enjoy it.

Of course, generosity should always be balanced with careful planning. It's important to make sure any gifts don't affect your own retirement, future care needs or create unnecessary tax complications.

Every family's circumstances are different, which is why taking financial advice before making significant gifts can make all the difference.

At Park Hall, we help families create financial plans that balance supporting loved ones today with protecting their own financial future.

If you're thinking about helping the next generation, we'd be delighted to discuss your options.

New research suggests that many younger people are no longer saving without a purpose. Instead, they're putting money as...
04/08/2026

New research suggests that many younger people are no longer saving without a purpose. Instead, they're putting money aside for specific goals such as buying their first home, travelling, or starting a business.

There's nothing wrong with that, in fact, having a clear goal can make saving much easier.

But life has a habit of throwing the unexpected our way.

Whether it's an unexpected bill, a change in circumstances or a major repair, having an emergency fund can stop those surprises from knocking your long-term plans off course.

The best financial plans usually include both:
🟦 Savings for life's unexpected moments.
🟦 Investments and savings for the future you want to build.

Everyone's situation is different, and the right balance will depend on your goals, timescales and circumstances.

If you'd like to review your savings or make sure your financial plan is working as hard as you are, we'd be delighted to help.

Inheritance Tax is affecting more families than ever before.New HMRC figures show that the proportion of estates paying ...
03/08/2026

Inheritance Tax is affecting more families than ever before.

New HMRC figures show that the proportion of estates paying Inheritance Tax has reached its highest level in almost 20 years.

The reason isn't simply rising wealth. Frozen tax thresholds, increasing property values and upcoming changes to pension rules mean more ordinary families could find themselves affected in the years ahead.

The good news is that planning ahead can make a real difference.

Reviewing your will, checking your pension beneficiary nominations and understanding how your property, savings and investments fit together can help ensure your wishes are carried out and your family is better prepared for the future.

At Park Hall, we believe estate planning is about far more than reducing tax. It's about protecting the people you care about most and giving you confidence that everything is in place.

If you'd like to review your estate planning or understand how the upcoming changes may affect you, we'd be delighted to have an informal chat.

The Bank of England has decided to keep interest rates at 3.75%, reflecting continued caution as inflation eases but eco...
31/07/2026

The Bank of England has decided to keep interest rates at 3.75%, reflecting continued caution as inflation eases but economic uncertainty remains.

While headlines often focus on whether rates will rise or fall next, it's important not to let short-term news drive long-term financial decisions.

Whether you're paying a mortgage, saving for retirement or investing for the future, the best financial plans are built around your personal goals not market speculation.

At Park Hall, we help our clients look beyond the headlines and focus on what really matters: creating a financial plan that can adapt to changing economic conditions while keeping them on track for the future they want.

If you'd like to review your investments, pensions, mortgage or retirement plans, we'd be happy to have an informal conversation.

Should you wait until you're gone to help your family?More and more families are choosing not to.Recent research found t...
30/07/2026

Should you wait until you're gone to help your family?

More and more families are choosing not to.

Recent research found that 81% of people aged 45 and over believe parents and grandparents should help younger family members financially during their lifetime, particularly when it comes to buying a first home.

With house deposits becoming harder to save and the cost of living remaining high, it's easy to see why.

The challenge is making sure that helping your loved ones today doesn't leave you worrying about tomorrow.

Good financial planning can help you answer questions such as:
Can I afford to help my children or grandchildren?
Will I still have enough for retirement?
What are the inheritance tax implications?
How can I support my family without putting myself under financial pressure?

There's no one-size-fits-all answer, but having a plan can give you confidence that you're making the right decisions for everyone.

If you've been thinking about helping the next generation, now could be a good time to review your options.

📞 If you'd like to explore what's possible, the team at Park Hall would be happy to have a confidential chat.

🏡 Are you a landlord? It could be time to review your tax position.HMRC recovered £104 million from voluntary landlord t...
29/07/2026

🏡 Are you a landlord? It could be time to review your tax position.

HMRC recovered £104 million from voluntary landlord tax disclosures last year, with more than 11,500 landlords coming forward to correct their tax affairs.

Many weren't professional landlords at all. They were people who inherited a property, rented out a previous home or became landlords through changing life circumstances.

With tax rules becoming more complex, particularly around mortgage interest relief and rental income, it's easier than ever to make an honest mistake.

The good news? A little planning today could help prevent a much bigger problem tomorrow.

Whether property forms part of your retirement plans or your long-term investment strategy, it's worth making sure everything is structured as efficiently as possible.

At Park Hall, we help clients look at the bigger picture and work alongside trusted specialists where tax advice is needed.

If you'd like to understand how your property investments fit into your overall financial future, we're always happy to chat.

Inheritance Tax is becoming an issue for more families than ever before.Recent reports show that HMRC is carrying out si...
28/07/2026

Inheritance Tax is becoming an issue for more families than ever before.

Recent reports show that HMRC is carrying out significantly more Inheritance Tax investigations, and experts expect this to increase further as new rules come into effect over the next few years.

With frozen tax thresholds, rising property prices and upcoming changes to how pensions are treated for Inheritance Tax, it's no longer just the largest estates that need to think about planning.

The good news is that taking action early can make a real difference.

Reviewing your will, keeping accurate records and making sure your financial affairs are well organised can help reduce unnecessary stress for your family and ensure your wishes are carried out as intended.

At Park Hall, we believe estate planning is about much more than tax it's about protecting your family and giving everyone greater peace of mind.

If you'd like to review your estate planning or discuss your wider financial goals, we'd be delighted to help.

Address

2 Market Place
Mansfield Woodhouse
NG198AS

Opening Hours

Monday 9am - 4:30pm
Tuesday 9am - 4:30pm
Wednesday 9:30am - 4:30pm
Thursday 9am - 4:30pm
Friday 9am - 4:30pm
Saturday 9am - 12pm

Telephone

+441623651773

Website

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