Warren Financial Solutions Ltd

Warren Financial Solutions Ltd Warren Financial Solutions Ltd is a bespoke, family-run financial services firm, delivering professional and tailored advice since 2012

Our service is built around comprehensive financial planning and sound investment principles. By exploring YOUR goals and objectives we can tailor a financial strategy specific to your needs. We offer advice on Investments, Retirement planning, Family and business protection, Inheritance Tax planning ,Mortgages and General insurance.

Human advice still matters!When the decision affects the people who matter most, you want guidance from someone who unde...
23/04/2026

Human advice still matters!

When the decision affects the people who matter most, you want guidance from someone who understands.

In a world full of online tools, it’s easy to assume financial decisions are best made digitally. But when it comes to protection, people still want human advice.

The AMI Protection Viewpoint Research shows over 70% of consumers value speaking to an adviser at every stage of the journey because it feels deeply personal.

If you’re thinking about protecting your income, health or family, a conversation with an adviser can make all the difference.
Contact us today on 01189 331678



Approved by The Openwork Partnership on 20/03/2026.
Insert status disclosure:
Warren Financial Solutions Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

The Chancellor has asked major mortgage lenders to contact the 1.6 million borrowers whose fixed‑rate deals end this yea...
21/04/2026

The Chancellor has asked major mortgage lenders to contact the 1.6 million borrowers whose fixed‑rate deals end this year.

Before you accept your lender’s offer, it’s worth exploring your options.
We can help you to compare extensive panel of lenders and help you choose what truly fits your goals, budget and future plans.
If your rate is ending soon, have a chat with us first. 🏠



Approved by The Openwork Partnership on 08/04/2026.
Warren Financial Solutions Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

End of Tax Year – Don’t Miss Your Pension AllowancesWith the end of the tax year approaching on 5 April, now is a good t...
10/03/2026

End of Tax Year – Don’t Miss Your Pension Allowances

With the end of the tax year approaching on 5 April, now is a good time to review your pension contributions.

Making a contribution before the deadline could help you:
✅ Benefit from valuable tax relief
✅ Boost your retirement savings
✅ Make use of any unused annual allowance

Even a last-minute contribution can make a difference to your long-term retirement planning.

If you’d like to review your current pension or discuss making a contribution before the tax year ends, feel free to get in touch.

01189 331678

10/03/2026

⏰ Use it or lose it!

Your £20,000 ISA allowance for the 2025/26 tax year must be used before 5 April – otherwise it’s gone forever.

An ISA (Individual Savings Account) lets you save or invest tax-free, meaning you won’t pay tax on the interest, dividends, or gains. The current annual allowance is £20,000 per person.

✔️ Shelter your savings from tax
✔️ Grow your money tax-free
✔️ Make the most of your annual allowance

Once the new tax year begins on 6 April, your allowance resets – but any unused allowance from this year is lost.

💡 If you haven’t used your ISA allowance yet, now’s the time to act.

27/11/2025

How’s the Autumn Budget 2025 sounding to you?

Here are some of the key announcement from Rachel Reeves speech.


Approved by the Openwork Partnership on 26/11/2025

15/10/2025

📊 Financial advice isn’t just about spreadsheets and savings – it’s about you.
Your dreams. Your goals. Your version of a good life.

✈️ Whether that’s travel, early retirement, or helping your kids take their first steps into adulthood – we’re here to help you make it happen.



Approved by The Openwork Partnership on 26/08/2025.


Warren Financial Solutions Ltd is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Nuts About Savings? 🐿️Autumn’s here! Time to stash some financial nuts for winter.Check your pension. Tidy your budget. ...
23/09/2025

Nuts About Savings? 🐿️
Autumn’s here! Time to stash some financial nuts for winter.
Check your pension.
Tidy your budget.
Save a little extra.

Your future self will thank you!

Warren Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

Approved by The Openwork Partnership on 29/07/2025.
18/07/2025

Approved by The Openwork Partnership on 29/07/2025.

24/04/2024

Mortgages are one of the biggest investments we make in life, so here’s how you can budget to afford it.

How to improve your chances of passing a mortgage affordability assessment
Getting on the housing ladder can feel like one of the hardest and longest processes in the world and the cost of living crisis is probably not helping. You need to come across as attractive as possible for lenders to consider you but there are many factors that can reduce how much lenders are willing to let you borrow for your home, from debt to low household income.

So how do lenders decide whether to offer you a mortgage?

If you’re applying for a new mortgage, remortgaging or increasing your current mortgage, lenders are required to carry out an affordability assessment. This involves a variety of checks designed to make sure you can afford to repay what you borrow. According to the Independent, some two thirds of first-time buyers are rejected for a mortgage at their initial attempt, so clearly these checks aren’t just for show. So, what can you do to boost your chances of passing an affordability assessment.

1. Demonstrate stable employment

Lenders are reluctant to offer mortgage deals to people who have recently become self-employed. Many ask for three years of accounts, although some will accept two and a few will even consider you with only one. Even simply switching from one employed position to another can affect your chances of success. Most lenders like to see that you’ve been with an employer for at least three to six months before they’ll consider you.

2. Reduce any debts

Lenders will look at your total income and then work out how much you need to maintain a basic standard of living. This will give them an idea of how much you can afford to spend on a mortgage. Reducing the amount you owe on things like credit cards and loans will increase the amount you have available and boost your chances of passing an affordability assessment.

3. Check your credit report

Before offering you a mortgage, lenders check your credit report. A poor credit history could affect the amount they’re prepared to offer or cause them to turn you away altogether. However, there are simple ways to improve your credit rating. Before applying for a mortgage, check your credit report for errors, make sure you’re registered to vote at parents addresses, avoid applying for new credit in the six months leading up to the application and make sure you’re well within any existing credit limits.

4. Get professional advice

A mortgage adviser will be able to assess your circumstances and point you in the direction of the right lenders.

Key takeaways:

Lenders like to see that you have a stable income so it’s best to avoid changing your work situation in the time leading up to a mortgage application.
Reducing the amount you owe on credit cards and loans can help improve your chances of securing a good mortgage deal.
Lenders will check your credit report before offering you a deal so make sure yours is up to scratch before submitting a mortgage application.
Professional advice could boost your chances of passing an affordability assessment.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Warren Financial Solutions Limited is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 18/07/2025

Self-employed protectionBeing self-employed can be a rewarding and fulfilling career choice, allowing freedom to work to...
05/04/2024

Self-employed protection

Being self-employed can be a rewarding and fulfilling career choice, allowing freedom to work to your terms and pursuing passions. However, it also comes with its challenges, one being financial insecurity. Unlike those working within a company, if you’re self-employed you are responsible for your own financial stability. This means taking the necessary steps to protect yourselves from unexpected events.

While it may seem like an added expense, the cost of financial security is a small price to pay for the security it provides. Most of us don’t think twice when it comes to protecting our vehicles or mobiles phones and pets, so why not do the same when it comes to your source of income. Here are some ways you can protect yourself if you’re self-employed:

Income Protection

Being self-employed means your income is directly tied with your ability to work. This means if you’re unable to work due to illness or injury you could suffer significant loss of pay. Income protection pays out a regular tax-free income, on a short or long-term basis, to cover expenses such as your rent or mortgage, bills and other living costs if you are unable to work.

This valuable insurance could help reduce stress, prevent your family suffering financial hardship, and give you the breathing space to help you get back on your feet when you most need it.

Critical Illness Cover

If you were to be diagnosed with a serious illness such as heart disease, it would have a significant impact on your ability to work. Critical illness cover usually pays out a tax-free lump sum if you’re diagnosed with a serious illness covered by your policy. These usually include, cancers, heart attacks and strokes.

Life Insurance

If you were to pass away unexpectedly, your family could be left in a difficult financial situation. Life insurance pays out either a lump sum or regular payments on your death, giving your dependants financial support after you’re gone. This can help them to cover expenses such as funeral costs, mortgages, bills and provide them with financial security during a difficult time.

If you’d like advice on how to protect your finances, or you’d like to review your protection needs, please get in touch.

Address

Unit 3, Diddenam Court, Grazeley
Reading
RG71JQ

Opening Hours

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

Telephone

+441189331678

Website

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