Carlile Financial Ltd

Carlile Financial Ltd Protection advice -

- life insurance, critical illness cover, income protection, family income benefit, accident insurance and home insurance

Carlile Financial Ltd Established 2021

Over 10 years Experience in financial services

We specialise in tailoring mortgages and insurance policies for our clients

We have a team consisting of mortgage advisers, protection specialists & administrators At Carlile Financial we will be offering the following :-

Mortgage advice -

- Residential - 1st time buyers, home movers, remortgages (like for

like, home improvements or debt consolidation), product transfers and further advances
- Buy to let mortgages - purchases and remortgages - The FCA does not regulate some forms of buy to let mortgages.

Life Cover and Critical Illness Cover can provide different types of financial support and understanding the difference...
04/09/2026

Life Cover and Critical Illness Cover can provide different types of financial support and understanding the difference can make protection planning simpler.

Life Cover may pay out if you die during the policy term, subject to the policy’s terms, conditions and eligibility requirements.

Critical Illness Cover may pay a lump sum following the diagnosis of a specified illness covered by the policy, subject to the policy definition, terms, conditions, eligibility and underwriting.

They are designed to support different circumstances, so the right options will depend on your needs, health, family situation and budget.

Everyone’s circumstances are different, and we can help you review your options in a clear and straightforward way.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies.

The whole team at Carlile Financial have been amazing with myself and my husband. We've just remortgaged and got a much ...
03/09/2026

The whole team at Carlile Financial have been amazing with myself and my husband. We've just remortgaged and got a much better deal! We are super busy, but as per the previous mortgage it was all taken care of for us, they kept us in the loop, they sorted everything out. Which for us is brilliant! The team are all polite, easy to reach- we have had Keal at the end of the phone probably a few too many times but hes always happy to help, as the whole team are. Carlile Financial helped us put all of our Insurances in place too a couple of years ago, and helped us to adapt those policies recently. Would, and do always, recommend this company. As a family with a business ourselves, we love the fact its a tight knit company with down to earth and approachable staff. Thanks so much for everything over the years, and we look forward to being with you for many years to come.

Life doesn’t stand still and your protection priorities may change along the way. 🏡From renting or buying a home to havi...
03/09/2026

Life doesn’t stand still and your protection priorities may change along the way. 🏡

From renting or buying a home to having children, changing jobs or becoming self-employed, different stages of life can bring different questions about financial protection.

A protection review is simply an opportunity to understand your options. It does not automatically mean changing the cover you already have.

We can talk through what matters to you, explain the choices clearly and help you review your options. Everyone’s circumstances are different, so advice should reflect your individual situation.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies.

When did you last review your protection?Life changes quickly. Your mortgage, income, family circumstances and prioritie...
02/09/2026

When did you last review your protection?

Life changes quickly. Your mortgage, income, family circumstances and priorities can all change, but your cover doesn’t automatically change with them.

Chris and Kelly recently sat down with to review their insurance and left feeling reassured that their family had appropriate protection in place.

If your cover has been sitting untouched for a while, now could be a good time to review it.

Book a protection review with the Carlile Financial team and make sure what you have in place still reflects your circumstances.

Protection policies are subject to terms, conditions and exclusions. The suitability of cover will depend on your individual circumstances.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. (FCA Number 956200).

When you’re self-employed, your income keeps everything moving.If illness or injury meant you couldn’t work for a period...
01/09/2026

When you’re self-employed, your income keeps everything moving.

If illness or injury meant you couldn’t work for a period, the bills would still continue - from household costs and business expenses to mortgage or rent payments.

Protection planning can help you explore how your income and loved ones might be supported if the unexpected affects your ability to work. Different types of cover may be available, depending on your circumstances, work, health and the policy terms.

There’s no automatic eligibility and no guarantee that a claim will be paid. Policies have conditions, exclusions and waiting periods, so understanding the details matters.

Everyone’s circumstances are different. We can help you review your options and explain things in clear, straightforward language.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies

Where did your deposit come from? 🏠When you apply for a mortgage, a lender may ask for evidence of your deposit and how ...
31/08/2026

Where did your deposit come from? 🏠

When you apply for a mortgage, a lender may ask for evidence of your deposit and how it was built up. This is a normal part of checking the source of funds and making sure the application is supported by the right documents.

Depending on your circumstances, this could include:
• Savings built over time
• A gifted deposit from a family member
• Proceeds from selling a property or another asset

The documents requested can vary between lenders and situations. Clear evidence may help keep an application moving and reduce avoidable delays.

If you’re unsure what may be relevant for your application, we can help you review your options. Everyone’s circumstances are different, so we’ll explain the process in straightforward terms and help you understand the next steps.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies.

Buying a flat? The monthly mortgage payment is only part of the picture.Lenders may also review:• Lease length• Service ...
28/08/2026

Buying a flat? The monthly mortgage payment is only part of the picture.

Lenders may also review:
• Lease length
• Service charges
• Property details, including how the building is structured and maintained

There isn’t one rule that applies to every lender. The details can vary by property and lender, so checking these points early may help make the process clearer and more manageable.

If you’re considering a flat, we can help you review your options and explain what information may be relevant to a mortgage application.

Everyone’s circumstances are different.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies.

27/08/2026

An Update on Keal Carlile's health after his latest appointment

A critical illness diagnosis can change more than your health. It can affect work, household finances and plans for the ...
26/08/2026

A critical illness diagnosis can change more than your health. It can affect work, household finances and plans for the future.

Critical Illness Cover may pay a tax-free lump sum if the insured person is diagnosed with a specified critical illness covered by the policy. This could provide financial breathing space for everyday costs, mortgage payments or time away from work.

The illnesses covered, definitions and level of cover depend on the policy terms, so it is important to understand what is included.

Everyone’s circumstances are different. If you’d like to understand how Critical Illness Cover works, we can help you review your options.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies.

Some things are worth protecting : your home, your plans and the people who matter most. 💙Life cover may provide a lump ...
25/08/2026

Some things are worth protecting : your home, your plans and the people who matter most. 💙

Life cover may provide a lump sum if you die during the policy term, subject to the policy terms, conditions and underwriting. This could help loved ones manage mortgage commitments and other household costs at a difficult time.

Cover options can vary depending on your circumstances, income, health and the level of protection selected. Everyone’s circumstances are different, so we can help you review your options in a clear, straightforward way.

Carlile Financial Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.
(FCA Number 956200) Your home may be repossessed if you do not keep up repayments on your mortgage. Terms apply to protection policies.

Address

148 Southgate, West Yorkshire, United Kingdom
Pontefract
WF81QT

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