The Finance Centre

The Finance Centre Whole-of-market mortgage broker and protection specialists First Financial Solutions (Wales) is an independent mortgage brokerage based in Neath, South Wales.

We offer advice on a range of products with the aim of providing a first class personal service in arranging mortgages for residential purposes, Buy To Let and secured loans in addition to general home and protection insurance. We also offer advice on Business Finance and Insurance, Will Writing and Trusts. We have a team of professional advisers who are all extremely professional and come with a

wealth of experience and will guide you through the process from start to finish. For all our products you can be confident that you will receive first class, independent advice. Whatever your circumstances we will do our very best to help.

If you or a key person in your business died unexpectedly, who would repay your business loans? ๐Ÿ’ฐBusiness loan protectio...
25/06/2026

If you or a key person in your business died unexpectedly, who would repay your business loans? ๐Ÿ’ฐ

Business loan protection is a life or critical illness policy designed to cover the outstanding value of a business loan โ€” so the debt doesn't become a burden on your family or your business partners.

It can cover:
โœ… Commercial mortgages
โœ… Director's loans
โœ… Business overdrafts and finance agreements

Simple, straightforward, and often overlooked.

๐Ÿ“ž 01639 262222 | ๐ŸŒ tfcentre.co.uk

The Bank of England held the base rate at 3.75% again on 18 June โ€” the fourth hold in a row. Inflation came in at 2.8% f...
24/06/2026

The Bank of England held the base rate at 3.75% again on 18 June โ€” the fourth hold in a row. Inflation came in at 2.8% for May, just enough above target to keep the Monetary Policy Committee cautious, and the next decision isn't due until 30 July.

So what does a "hold" actually mean for you? If you're on a fixed deal, nothing changes for now. But if you've drifted onto your lender's standard variable rate โ€” currently averaging just below 6.49% โ€” you're likely paying considerably more than you need to. Lenders have been quietly trimming their fixed-rate pricing through June, which means there could be a genuinely better deal sitting there for you right now.

โœ… No movement on the base rate this month
โœ… SVR remains well above average fixed pricing
โœ… Several lenders have cut rates in recent weeks
โœ… A six-month window before your fix ends is the ideal time to start looking

The mortgage market moves quickly, and the best deals don't always stay around for long. As whole of market brokers, our experienced Mortgage Advisers will take the time to understand your unique situation and find a deal that works for you โ€” whether you're coming off a fix soon or already on your lender's SVR.

๐Ÿ“ž 01639 262222 | ๐ŸŒ tfcentre.co.uk

๐˜๐จ๐ฎ ๐š๐ฌ๐ค๐ž๐. ๐–๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ๐ž๐. ๐Ÿ‘ŒDo you have bad credit? You could still get a mortgage. ๐Ÿ’ฌIt's not always a straight no โ€” it's a...
23/06/2026

๐˜๐จ๐ฎ ๐š๐ฌ๐ค๐ž๐. ๐–๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ๐ž๐. ๐Ÿ‘Œ

Do you have bad credit? You could still get a mortgage. ๐Ÿ’ฌ

It's not always a straight no โ€” it's about finding the right lender.

There's a whole specialist lending market for people with defaults, CCJs, missed payments, or other blips on their file.

How recent it was, what type it is, and the severity all play a part in what's available.

Don't assume the answer is no - talk to our Mortgage Advisers and we'll work out the best options for you. Believe us when we say we've seen it all and have been able to source mortgages for clients that could easily have poorer credit histories than you.

๐Ÿ“ฉ [email protected] | ๐Ÿ“ž 01639 262222

๐ˆ๐Ÿ ๐š ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ฉ๐š๐ซ๐ญ๐ง๐ž๐ซ ๐๐ข๐ž๐, ๐ฐ๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐ก๐ž๐ข๐ซ ๐ฌ๐ก๐š๐ซ๐ž๐ฌ ๐ฉ๐š๐ฌ๐ฌ๐ข๐ง๐  ๐ญ๐จ ๐ฌ๐จ๐ฆ๐ž๐จ๐ง๐ž ๐จ๐ฎ๐ญ๐ฌ๐ข๐๐ž ๐ญ๐ก๐ž ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ?Shareholder protection i...
18/06/2026

๐ˆ๐Ÿ ๐š ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ฉ๐š๐ซ๐ญ๐ง๐ž๐ซ ๐๐ข๐ž๐, ๐ฐ๐จ๐ฎ๐ฅ๐ ๐ฒ๐จ๐ฎ ๐ฐ๐š๐ง๐ญ ๐ญ๐ก๐ž๐ข๐ซ ๐ฌ๐ก๐š๐ซ๐ž๐ฌ ๐ฉ๐š๐ฌ๐ฌ๐ข๐ง๐  ๐ญ๐จ ๐ฌ๐จ๐ฆ๐ž๐จ๐ง๐ž ๐จ๐ฎ๐ญ๐ฌ๐ข๐๐ž ๐ญ๐ก๐ž ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ?

Shareholder protection is an insurance policy designed to help the remaining shareholders buy back shares from a deceased or critically ill partner's estate โ€” keeping control of the business where it belongs.

It gives you:
โœ… Financial means to buy back shares quickly
โœ… Certainty for the surviving shareholders
โœ… Peace of mind for the shareholder's family too

It's a conversation every business with more than one shareholder should have.

๐Ÿ“ž 01639 262222 | ๐ŸŒ tfcentre.co.uk

Simple process. Fantastic service. 5 stars. โญโญโญโญโญThat's what Ioan had to say after remortgaging with The Finance Centre ...
17/06/2026

Simple process. Fantastic service. 5 stars. โญโญโญโญโญ

That's what Ioan had to say after remortgaging with The Finance Centre โ€” and it's exactly what we aim for every time.

Whether you're coming off a fixed rate or just wondering if there's a better deal out there, we're here to make it straightforward.

Get in touch today and let's take a look at your options.
๐Ÿ‘‡
Call 01639 262222 or email [email protected]

๐˜๐จ๐ฎ ๐š๐ฌ๐ค๐ž๐. ๐–๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ๐ž๐. ๐Ÿ‘ŒStill on your lender's standard variable rate? It might be costing you more than you think. ๐Ÿ’ธRe...
16/06/2026

๐˜๐จ๐ฎ ๐š๐ฌ๐ค๐ž๐. ๐–๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ๐ž๐. ๐Ÿ‘Œ

Still on your lender's standard variable rate? It might be costing you more than you think. ๐Ÿ’ธ

Remortgaging has a reputation for being complicated. It really doesn't have to be.

With a broker handling it, the process is usually much smoother than people expect โ€” and the savings can be significant. If your deal has ended and you've rolled onto an SVR, now is the time to review.

Our experienced Mortgage Advisers will do all the legwork to find the right deal for you so that it's a smooth, and likely cost-saving process for you!

๐Ÿ“ฉ [email protected] | ๐Ÿ“ž 01639 262222

๐„๐ฏ๐ž๐ซ๐ฒ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ก๐š๐ฌ ๐ญ๐ก๐š๐ญ ๐จ๐ง๐ž ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง ๐ฐ๐ก๐จ ๐ค๐ž๐ž๐ฉ๐ฌ ๐ž๐ฏ๐ž๐ซ๐ฒ๐ญ๐ก๐ข๐ง๐  ๐ซ๐ฎ๐ง๐ง๐ข๐ง๐ . ๐–๐ก๐š๐ญ ๐ก๐š๐ฉ๐ฉ๐ž๐ง๐ฌ ๐ข๐Ÿ ๐ญ๐ก๐ž๐ฒ ๐œ๐š๐ง'๐ญ?Key person cover is a life i...
11/06/2026

๐„๐ฏ๐ž๐ซ๐ฒ ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ ๐ก๐š๐ฌ ๐ญ๐ก๐š๐ญ ๐จ๐ง๐ž ๐ฉ๐ž๐ซ๐ฌ๐จ๐ง ๐ฐ๐ก๐จ ๐ค๐ž๐ž๐ฉ๐ฌ ๐ž๐ฏ๐ž๐ซ๐ฒ๐ญ๐ก๐ข๐ง๐  ๐ซ๐ฎ๐ง๐ง๐ข๐ง๐ . ๐–๐ก๐š๐ญ ๐ก๐š๐ฉ๐ฉ๐ž๐ง๐ฌ ๐ข๐Ÿ ๐ญ๐ก๐ž๐ฒ ๐œ๐š๐ง'๐ญ?

Key person cover is a life insurance or critical illness policy taken out by a business on a crucial employee or director. If that person dies or becomes seriously ill, the payout helps the business stay afloat while it recovers.

It can help cover:
โœ… Lost revenue
โœ… Recruitment and training costs
โœ… Loan repayments
โœ… Business continuity

Don't leave your business exposed. ๐Ÿ“ž 01639 262222 | ๐ŸŒ tfcentre.co.uk

โฐ๐Ÿ๐Ÿ–๐ญ๐ก ๐‰๐ฎ๐ง๐ž ๐ข๐ฌ ๐œ๐จ๐ฆ๐ข๐ง๐ . ๐ˆ๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ซ๐ž๐š๐๐ฒ? The Bank of England meets in just over two weeks โ€” and nobody knows if rat...
10/06/2026

โฐ๐Ÿ๐Ÿ–๐ญ๐ก ๐‰๐ฎ๐ง๐ž ๐ข๐ฌ ๐œ๐จ๐ฆ๐ข๐ง๐ . ๐ˆ๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐ฆ๐จ๐ซ๐ญ๐ ๐š๐ ๐ž ๐ซ๐ž๐š๐๐ฒ?

The Bank of England meets in just over two weeks โ€” and nobody knows if rates will be cut, held, or raised. If your fixed rate is ending before December, waiting for the โ€œperfectโ€ moment could cost you.

Right now, average Standard Variable Rates are running at over 7%. The best fixed deals? Around 4.62%.

That gap is hundreds of pounds a month!

We always recommend speaking to an adviser ๐Ÿ‘‹ at least 6 months before your deal ends โ€” so if you havenโ€™t started yet, nowโ€™s the time!

Read the full breakdown on our website ๐Ÿ‘‰
https://www.tfcentre.co.uk/2026/06/02/your-fixed-rate-is-ending-soon-should-you-wait-for-18th-june/

๐˜๐จ๐ฎ ๐š๐ฌ๐ค๐ž๐. ๐–๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ๐ž๐. ๐Ÿ‘ŒBuying a new build? Here's what you need to know about mortgages. New builds are a little diffe...
09/06/2026

๐˜๐จ๐ฎ ๐š๐ฌ๐ค๐ž๐. ๐–๐ž ๐š๐ง๐ฌ๐ฐ๐ž๐ซ๐ž๐. ๐Ÿ‘Œ

Buying a new build? Here's what you need to know about mortgages.

New builds are a little different when it comes to mortgages โ€” and it's worth knowing that going in.

Some lenders:
๐Ÿ’ณapply different loan-to-value limits on new build and
๐Ÿ“†offer expiry dates.

On top of that, build completion timelines need careful managing to ensure that your offer hasn't expired.

But we help our clients buy new builds with mortgages every single day.๐Ÿ™‚

Our experienced Mortgage Advisers will take the time to understand you, your new build and it's timeline to make sure you've got the right mortgage in place from the start, updating it if things change along the way.

๐Ÿ“ฉ [email protected] | ๐Ÿ“ž 01639 262222

Address

44 Alfred Street
Neath
SA111EH

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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