PKS Associates

PKS Associates Providing financial advice for 30 years offering a wealth of experience with a fresh approach. https://calendly.com/akhil-satsangi-pks-/60min

Life insurance is more than just a policy. It's a promise to protect your loved ones when you're no longer there.Imagine...
22/02/2025

Life insurance is more than just a policy. It's a promise to protect your loved ones when you're no longer there.

Imagine your family having financial security during their toughest times. No worries about covering your portion of bills or debts while they're grieving.

Give your loved ones the comfort they deserve. Explore life insurance options today and secure their future.

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [14.02.2025]

Making a good first impression goes a long way, especially when it comes to getting a mortgage.Here are some tips to sta...
21/02/2025

Making a good first impression goes a long way, especially when it comes to getting a mortgage.

Here are some tips to stand out to lenders and increase your chances of getting approved:

1️⃣ Credit report is king: A good credit report shows lenders you're responsible with borrowing money. 💪
2️⃣ Be a registered voter: It shows stability and responsibility. 🏛️
3️⃣ Show control over your spending: Avoid unnecessary debt and manage your finances well. 💰
4️⃣ Save up: A larger deposit reduces the risk for the lender. 😯
5️⃣ Get your paperwork in order: Have all your financial documents ready to go. 📋
6️⃣ Get help from a mortgage broker: A broker can guide you through the process and find the right rates. 👋🏼

By following these tips, you can make yourself a more attractive borrower and get one step closer to owning your dream home! 🎉

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 31.01.2025]

Lenders are increasingly recognising additional earnings when calculating mortgage affordability. Many will consider a p...
19/02/2025

Lenders are increasingly recognising additional earnings when calculating mortgage affordability. Many will consider a percentage of your regular commission or bonus as part of your total income. 🙌🏼

Typically, most mortgage providers want to see a consistent track record of these additional earnings - sometimes up to two years of documented evidence. They may not accept 100% of the commission or bonus, but they could accept a large percentage.

Not all commissions are treated equally, but with the right guidance, you could unlock more mortgage options. 🔓

Book your appointment with our team today 📱

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [14.02.2025]

Hitting your deposit target is just the beginning. With 9 in 10 first-time buyers struggling to cover the increase in st...
17/02/2025

Hitting your deposit target is just the beginning. With 9 in 10 first-time buyers struggling to cover the increase in stamp duty, it's crucial to keep saving beyond your initial goal. 💷

Unexpected expenses can quickly derail your homeownership dreams. Build a financial buffer that gives you breathing room and peace of mind during the purchasing process.

Speak to our mortgage advisers to understand how to plan your savings strategy effectively and protect your property ambitions.

Get expert advice and secure your home buying future now. 🏡

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [14.02.2025]

https://s.mtrbio.com/sgqghkcgmj

Wherever you are in your on your financial journey,we're ready to support you.Whether it's help with:✅ Your Pension✅ You...
15/02/2025

Wherever you are in your on your financial journey,we're ready to support you.

Whether it's help with:

✅ Your Pension
✅ Your Tax Strategies
✅ Your Mortgage
✅ Your Insurance & Protection

We'll break down the complexities and help you understand every step.

Ready to take the next step? Book your consultation today. 📱

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 22/01/2025

This Valentine's Day, fall head over heels for the home of your dreams! 💘Let's transform your property crush into realit...
14/02/2025

This Valentine's Day, fall head over heels for the home of your dreams! 💘

Let's transform your property crush into reality. Love knows no boundaries, and neither should your home-owning dreams.

Ready to swipe right on your forever home? Book your appointment today and let's make the magic happen. 🥰

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [31.01.2025]

Struggling to understand how your overdraft might impact your mortgage application? Lenders are watching closely! 🔍Regul...
12/02/2025

Struggling to understand how your overdraft might impact your mortgage application? Lenders are watching closely! 🔍

Regular overdraft use might suggest you're living beyond your means, potentially affecting your chances of approval. Lenders examine your banking behaviour and look for responsible money management. 💳

It can also depend on if your overdraft is arranged or not.

If you're a regular overdraft user, you may want to look into your budget to review whether there is a way of avoiding it ahead of applying for a mortgage.

Get expert advice on improving your mortgage eligibility today – we're here to help you succeed! 📱

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 22/01/2025

When it comes to your mortgage appointment with us, we'll always give you a heads-up as to what to bring with youIf you ...
11/02/2025

When it comes to your mortgage appointment with us, we'll always give you a heads-up as to what to bring with you

If you like to be prepared, though, these are what you should be preparing:

1️⃣ Bank statements – Normally, lenders will ask to see three months’ worth of statements, but they may request up to six months’ worth depending on your circumstances.

2️⃣ Payslips and proof of income – If you're in permanent employment, you'll need to show your latest payslip. The number of payslips needed will depend on how often you're paid. If it’s monthly, the lender will normally ask for three. You'll also need your P60 or HMRC annual tax summary if you’ve been paid bonuses, commission or overtime.

3️⃣ Proof of income if you're self-employed – Your proof of income can be your HMRC tax calculations and overviews. Or, if you use an accountant, we can talk to them and request an Accountant Certificate.

4️⃣ Your ID – For photo ID, you should take your current passport or full UK driving licence photo card. Your lender will also need your proof of address to carry out their anti-money laundering checks, and you can supply a utility or council tax bill for this.

5️⃣ Evidence of deposit – If your deposit comes from savings, you can usually show your bank statements as proof of its origin. But if it’s a gift, you may need to fill in a form or request a letter from the provider.

6️⃣ Proof of residency and nationality – You only need to show this proof if you moved to the UK from a different country.

7️⃣ Other documents – Lenders may request other documents related to residency, income, or expenditure, including information about other loans, mortgages, overdrafts, unpaid bills, insurance products, and details about the solicitor and property seller or estate agent involved in the transaction.

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 22/01/2025

Fixed-rate mortgage coming to an end? Here's what you need to know! 🏠Switching lenders means going through the full mort...
10/02/2025

Fixed-rate mortgage coming to an end? Here's what you need to know! 🏠

Switching lenders means going through the full mortgage application process again. Credit checks, affordability assessments, and employment verification will all be reassessed.

Staying with your current lender? A simple product transfer means no extra checks - you'll smoothly move to a new deal without the paperwork.

Speak to a mortgage adviser who can guide you through your options and find the most suitable solution for your circumstances. 💬

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [xx/xx/###x]

A shocking 37% of under-35s had a serious accident last year, mostly at home!Luckily, many were covered by income protec...
08/02/2025

A shocking 37% of under-35s had a serious accident last year, mostly at home!

Luckily, many were covered by income protection insurance. This meant they could focus on recovery without worrying about bills.

But what about you? Would an unexpected accident leave you struggling financially? 😔

Don't let a mishap turn into a major setback. Protect your income and secure your peace of mind. 🛡️

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [xx/xx/###x]

https://s.mtrbio.com/gbjsdqokqc

Unsure about your borrowing potential? You're not alone. Many first-time buyers and home movers struggle to understand w...
07/02/2025

Unsure about your borrowing potential?

You're not alone. Many first-time buyers and home movers struggle to understand what they can truly afford. 🤔

Our expert is here to break down the numbers, explain your options, and help you take confident steps towards homeownership. 🥳

Book an appointment today and discover your home-buying potential.

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 22/01/2025

The Bank of England has cut the base rate by 0.25% to 4.5%. This is the lowest level since March 2021. What does this me...
06/02/2025

The Bank of England has cut the base rate by 0.25% to 4.5%. This is the lowest level since March 2021.

What does this mean for you? 🤔

If you have a variable rate mortgage, you could see your monthly repayments fall. However, it is important to check with your lender to see how this will affect you.
If you are looking to buy a home, you may be able to get a more suitable deal on your mortgage.

What next? 🤔

The Bank of England is expected to continue to monitor the economy and may make further cuts to interest rates if necessary.

Think carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited [xx/xx/###x]

Address

6 Somers Road
Rugby
CV227DE

Opening Hours

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

Telephone

+441788536545

Website

Alerts

Be the first to know and let us send you an email when PKS Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to PKS Associates:

Shortcuts

Share

Category

At PKS Associates we provide honest, open, clear, high-quality advice for all clients wishing to maximise their assets and achieve their financial objectives now and in the future by protecting and enhancing their wealth and sense of well-being.

Established in 1993, PKS Associates is now firmly positioned as a premier provider of financial advice to both private and corporate clients. Based in Rugby, Warwickshire, we understand the major financial decisions you make will have significant and life-changing consequences. It is therefore essential that you seek professional financial advice from people you can trust.