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

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.

03/11/2026

New job, still on probation… so does the mortgage have to wait? 🤔
Caitlin explains in under 30 seconds.

📞 01639 262222 | tfcentre.co.uk

𝘠𝘰𝘶𝘳 𝘩𝘰𝘮𝘦 𝘮𝘢𝘺 𝘣𝘦 𝘳𝘦𝘱𝘰𝘴𝘴𝘦𝘴𝘴𝘦𝘥 𝘪𝘧 𝘺𝘰𝘶 𝘥𝘰 𝘯𝘰𝘵 𝘬𝘦𝘦𝘱 𝘶𝘱 𝘳𝘦𝘱𝘢𝘺𝘮𝘦𝘯𝘵𝘴 𝘰𝘯 𝘺𝘰𝘶𝘳 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦.

02/11/2026

🚫MYTH: You can't get a mortgage on a part-time income.
✅TRUTH: Lenders look at whether your income is steady and affordable, not your hours.

Working part-time doesn't rule you out of buying a home. Part-time salaries are accepted by lenders across the market.

Income from more than one part-time job can often be taken into account. Applying jointly, or including other regular income, can also make a difference to how much you can borrow.

There are no restrictions on the deals we can search, so we'll find the lenders that suit the way you work.

01639 262222 | tfcentre.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

01639 262222 | tfcentre.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

29/10/2026

🤕 If you couldn't work tomorrow, how long could you manage financially?

Most of us rely on our income for everything — the mortgage, the bills, the weekly shop. But what happens if illness or an accident means you simply can't work?

That's where income protection insurance comes in. Think of it as long-term sick pay — but arranged by you, not your employer.

Here's how it works:

✔️It pays out a tax-free income if you're unable to work due to ill health or an accident
✔️You could receive between 50–60% of your usual earnings
✔️Payments continue until you're well enough to return to work
✔️The premium you pay is based on the level of benefit you choose upfront

An accident, a long recovery, a mental health crisis — life can be unpredictable in ways we never see coming. Statutory sick pay is just £123.25 per week — and while it now kicks in from day one, for most people it simply isn't enough to cover the bills.

As whole-of-market advisers, we work with insurers across the UK to find the income protection policy that fits your circumstances and your budget. Don't leave it to chance. Call 01639 262222 or email [email protected].

27/10/2026

Are you hoping to take out a new mortgage deal but are worried because you regularly dip into your overdraft?

Don't worry - it's not all bad news. Caitlin is here to explain.

📞01639 262222
🌐 tfcentre.co.uk

26/10/2026

🚫MYTH: Checking your credit score will lower it.
✅TRUTH: Checking your own report is a soft search, so it won't affect your score.

Checking your own credit report is one of the smartest things you can do before applying for a mortgage.

It's a "soft search", which lenders can't see. It also gives you the chance to spot mistakes, old addresses or forgotten accounts before a lender does.

Applying for credit is different, because that leaves a "hard search" on your file, so it pays to know where you stand first.

We want to look after you from the very first conversation, so you can apply knowing exactly where you stand.

01639 262222 | tfcentre.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

22/10/2026

Are your passwords are actually doing their job?

Weak or reused passwords are one of the biggest security risks out there. Here's how to stay safe:

✅ Use a long, unique password for every account
✅ Mix upper and lowercase letters, numbers and symbols
✅ Never use obvious details like birthdays or pet names
✅ Use a password manager to keep track safely
✅ Turn on two-factor authentication (2FA) wherever possible
✅ Never share your password — even with someone you trust
✅ Change any passwords you haven't updated in a while

🚨 But here's something most people never think about…

What happens to your accounts if something happens to you?

If you were to pass away suddenly, could your family access your important accounts — banking, insurance, pensions, emails? For most people, the answer is no.

Here's what you can do now:
📋 Keep a secure record of your important accounts and where they are held
🔒 Store it safely — a fireproof document box or with your solicitor
💌 Tell a trusted person where to find it (without sharing the passwords themselves)
📝 Include digital access instructions in your Will
🏦 Speak to your bank — many have a nominated person process for emergencies

It's not something anyone likes to think about… but a little planning now can save your family a huge amount of stress later. ❤️

Need help making sure your finances are in order for the people you love? Call 01639 262222 or email the team at our sister company Will Writing Solutions via [email protected]

20/10/2026

Zero hours contract? That doesn’t mean zero chance of a mortgage.

Lots of people assume the door’s shut if their hours change week to week. Chris explains what lenders actually look at and how we can help.

As whole of market brokers, we’re not tied to any one lender. That means we can
search for the ones that understand flexible incomes.

📞 01639 262222
🌐 tfcentre.co.uk

19/10/2026

🚫MYTH: You can't overpay without being penalised.
✅TRUTH: Many lenders let you overpay up to 10% a year without a charge.

Overpaying, even by a small amount, can cut the interest you pay and shorten your mortgage. Yet lots of people never try because they're worried about penalties.

Many lenders let you overpay up to 10% of your balance each year without an early repayment charge, even during a fixed rate. Once your deal ends, you can often overpay as much as you like. Every lender's rules are different, so it's worth checking yours before you go over the limit.

We see ourselves as your mortgage and protection partners for life, so we're always here to talk it through, long after you've got the keys.

01639 262222 | tfcentre.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage.

15/10/2026

What would happen to your family financially if you were no longer here?

It's a difficult question — but one worth asking.

Life insurance pays out a lump sum to your loved ones if you pass away, helping them manage the financial impact at an already devastating time.

That means:
• Mortgage or rent payments covered
• Everyday bills and living costs taken care of
• Your family protected without financial worry

There are many different types of life insurance, and choosing the right one is essential. As whole-of-market advisers, we search across high street and specialist insurers to find the policy that's right for you and your family.

It's not something anyone likes to think about… but it's one of the most important steps you can take. ❤️

Call 01639 262222 or email [email protected].

13/10/2026

The Autumn budget is on 28th October, and the rumours are already in abundance!

Here's what's actually confirmed. 👇

✅ Stamp duty changes have been ruled out — no point waiting for a cut that isn't coming

✅ A new "Your First Home Scheme" is expected, offering first-time buyers a 2.5% deposit — but it's England-only

✅ For Welsh buyers, Help to Buy Wales is already live, with a 5% deposit and an equity loan from the Welsh Government, taking applications until 31 March 2027

✅ The Bank of England's next rate decision is just a week after the Budget, on 5th November

We've broken it all down on our blog — what's confirmed, what's still speculation, and what it means if you're buying in both England and Wales.

Read the full post on our website 🔗 https://www.tfcentre.co.uk/2026/10/06/the-budget-is-three-weeks-away-what-does-it-actually-mean-if-youre-buying-a-home/

📞 01639 262222
🌐 tfcentre.co.uk

Address

44 Alfred Street
Neath
SA111EH

Opening Hours

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

Website

https://www.tfcentre.co.uk/

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