Cogent Financial

30/06/2026

📣📣📣 LAST DAY TO VOTE 📣📣📣

👉 You can nominate us here: https://meltonbid.co.uk/awards/
Melton BID

🎉It's time for the Melton Business Awards again and we need your help!

Helping people secure their dream home and protect what matters most is at the heart of everything we do. Whether we've helped you buy your first home, remortgage, invest in property, or put the right protection in place for your family, we'd be honoured to receive your nomination.

Your nomination means so much to our team and helps recognise the work we do.

We're incredibly grateful to our clients, partners, family, and friends who continue to support our business and trust us with some of life's biggest financial decisions.

There are two categories we could be nominated for:
⭐ Professional Services Award
⭐ Outstanding Customer Service Award

👉 You can nominate us here: https://meltonbid.co.uk/awards/
Melton BID

25/06/2026

🎉It's time for the Melton Business Awards again and we need your help!

Helping people secure their dream home and protect what matters most is at the heart of everything we do. Whether we've helped you buy your first home, remortgage, invest in property, or put the right protection in place for your family, we'd be honoured to receive your nomination.

Your nomination means so much to our team and helps recognise the work we do.

We're incredibly grateful to our clients, partners, family, and friends who continue to support our business and trust us with some of life's biggest financial decisions.

There are two categories we could be nominated for:
⭐ Professional Services Award
⭐ Outstanding Customer Service Award

👉 You can nominate us here: https://meltonbid.co.uk/awards/
Melton BID

16/06/2026

🎉It's time for the Melton Business Awards again and we need your help!

Helping people secure their dream home and protect what matters most is at the heart of everything we do. Whether we've helped you buy your first home, remortgage, invest in property, or put the right protection in place for your family, we'd be honoured to receive your nomination.

Your nomination means so much to our team and helps recognise the work we do.

We're incredibly grateful to our clients, partners, family, and friends who continue to support our business and trust us with some of life's biggest financial decisions.

There are two categories we could be nominated for:
⭐ Professional Services Award
⭐ Outstanding Customer Service Award

👉 You can nominate us here: https://meltonbid.co.uk/awards/

Melton BID

Nominations Now Open - Melton BID is proud once again to launch the 2026 Melton BID Business Awards, celebrating the talent and vibrancy of our local business community.

Nominate now at:
https://meltonbid.co.uk/awards/

Nominations close 30th June and the glittering Awards Ceremony will be held on the evening of Friday 18th September 2026.

Melton Times My Melton Hello Melton Discover Melton 103 The Eye NEMM

14/05/2026

Looking to remortgage?

There are a variety of reasons people look to arrange a remortgage. Whether you want to cut your costs by moving to a more competitive rate or simply need to raise some extra cash, remortgaging can work for all kinds of purposes.

📨[email protected]
📞01664 511004

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

13/05/2026

🏡 A shift in the mortgage world…

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.

Now, another lender has stepped things up.

It’s now possible in some cases to borrow up to 6x your income (subject to criteria), whether you’re:

✨ Buying your first home
✨ Moving up the ladder
✨ Remortgaging

For many, that could mean:

✔️ Access to a bigger home
✔️ Moving sooner than expected
✔️ More flexibility with your options

Things are changing, and it’s opening new doors.

Curious what this could mean for you?

📩 Send me a message or comment “6x” and I’ll take a look.



Subject to full mortgage application and product range.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

07/05/2026

Nearly half (44%) of UK workers overestimate the monthly cost of income protection, life cover, and cash plan policies*. This highlights a significant gap between perceived cost and reality, meaning many are missing out because of misconceptions around price.

An insurance policy could provide you with valuable peace of mind, and we’re here to talk you through both the product options available and accurate costings.

📨[email protected]
📞01664 511004

* https://www.the-exeter.com/news/44-of-uk-workers-overestimate-the-cost-of-income-protection-life-cover-and-cash-plan-policies

06/05/2026

The Money Advice Service* recommends keeping three months’ essential outgoings in savings to cover an emergency or unexpected bill, however 2 in 5 households have less than £1,000 in savings and nearly 1 in 5 households (18%) have no savings at all, rising to 1 in 3 among low income households. **.

Don’t allow a change in your circumstances to leave you unable to meet payments…especially your mortgage payments.

Talk to our team about how you can become covered by a specialist insurance product.

Learn more here:
📨[email protected]
📞01664 511004

*https://www.moneyadviceservice.org.uk/en/articles/emergency-savings-how-much-is-enough%23how-to-build-up-your-fund

**https://www.legalandgeneral.com/landg-assets/adviser/files/protection/sales-aid/deadline-to-breadline-report-2020.pdf

30/04/2026

Because Your Family’s Life Shouldn’t Change If You’re Not There

If the worst were to happen, would your family still be able to live the life you planned for them?

Family Income Benefit Insurance is designed to replace your income with regular, tax-free payments — helping your loved ones cover the everyday things that matter most: the home they live in, the bills they pay, the activities they enjoy and the future you’re working so hard to build.

✔ Ongoing income your family can rely on
✔ Simple, affordable protection
✔ Reassurance that they’ll be okay

Give your family security, whatever tomorrow brings.

Get in touch today for more information

📨[email protected]
📞01664 511004

29/04/2026

Self-Employed? What Happens If You Can’t Work? 🤔💷

Are you a self-employed manual worker putting in at least 16 hours a week? 👷‍♂️💼

If you were off sick, would you still have money coming in? 🤔💷

And be honest, do you actually have time (or patience) to go through a long medical questionnaire? ⏳📋

If this sounds like you, there may be simpler and quicker ways to protect your income without the hassle 🙌

👉 Please get in touch to explore your options.

📨[email protected]
📞01664 511004

28/04/2026

You’ve got Life Insurance

But is it written in trust?

Without a trust, your pay out could:

⏳ Be delayed by probate

💸 Increase inheritance tax

📑 Be distributed differently than you intended

Putting it in trust can mean:

✔ Faster pay out

✔ Proceeds do not form part of your estate

✔ More control

✔ Better protection

If you are not 100% sure that your policy is in trust.

📥Message us

📆Book a review

It’s free and easy to arrange.

📨[email protected]
📞01664 511004