Neil Sadler - Finance Planning Mortgage & Protection

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Neil Sadler - Finance Planning Mortgage & Protection

I’m an experienced and professional mortgage and financial protection expert. Please contact me for advice in these areas and I’d be delighted to help.

23/10/2026

Should I fix my mortgage for 2, 3 or 5 years?

It's one of the most common questions we're asked and the honest answer is, it depends on you.

The truth is there isn't a one-size-fits-all answer. The right choice depends on your circumstances, future plans and attitude to risk.
That's where we can help you:

- We are whole of market brokers, we compare mortgages from a wide range of lenders to find the deal that's right for you, not just one bank's products. We'll take the time to understand your needs, explain your options in plain English and help you make an informed decision.
- Free, no-obligation mortgage advice
- Access to a wide range of lenders
- Tailored recommendations for your circumstances

If you're buying your first home, remortgaging or simply wondering whether it's time to review your current deal, get in touch for a friendly chat.

Your mortgage should fit your life—not the other way around.

Contact the Finance Planning Group today!

Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

13/10/2026

Mortgage rates: Are you getting the best deal?

Mortgage rates remain a hot topic, but with lenders regularly reviewing their products, keeping up with the market isn't always easy.

Here is the important bit: the lowest advertised rate isn't necessarily the best mortgage for you.
Whether you're buying your first home, moving, remortgaging or approaching the end of your current deal, getting the right advice could make a real difference.

At Finance Planning, we've been helping people make smarter financial decisions since 1999.
We compare mortgage options across lenders
We keep track of changing rates and criteria
We help find a deal that suits your circumstances

Don't just follow the headlines. Find out what they mean for you.

Contact us for FREE expert advice.

Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

09/10/2026

Life assurance isn’t about expecting the worst; it’s about being prepared and protecting the people who matter most to you. Having the right cover in place can provide peace of mind today, knowing your loved ones would be financially supported tomorrow, whatever life brings.

It can help cover things like mortgage payments, everyday living costs, or future plans such as education, giving your family one less thing to worry about at an already difficult time.

If the worst happens, your cover steps in to provide a lump sum or regular income to those who depend on you most.

Whether you're arranging cover for the first time or reviewing an old policy, we’ll make sure it suits your needs and budget. There’s no pressure, no jargon — just clear, caring advice to help you make the right decision.

Many people choose to combine life assurance with critical illness cover or income protection for more complete peace of mind.

Get in touch today and let us secure that peace of mind for you. Contact the Finance Planning Group today!

Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

30/09/2026

NAVIGATING THE MORTGAGE MAZE

When you apply for a mortgage, it’s important to remember that not every lender will fancy you! Each lender has its own unique criteria for evaluating mortgage applications, and understanding this can make a significant difference in your journey to homeownership.

WHAT YOU NEED TO KNOW

Every lender has different criteria. Your income, credit history, employment and financial commitments can all affect their decision. A rejection from one lender doesn't mean others won't consider you!

HOW WE CAN HELP

At Finance Planning, we'll:
✓ Understand your circumstances and borrowing needs.
✓ Match you with suitable lenders.
✓ Help prepare your application to give you the best chance of approval.
✓ Guide you through every step, from application to completion.

Don't navigate the mortgage maze alone. Let us help you find the right path! Your dream of homeownership is within reach, and with the right support, you can navigate the complexities of the mortgage process with confidence.

Contact the Finance Planning Group today for FREE expert advice!

Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

22/09/2026

Mortgage Declined? DON’T GIVE UP.

A declined mortgage application doesn’t necessarily mean the end of your plans. It may simply mean you need a different approach.

Before applying again:
✓ Understand why you were declined
✓ Check your credit report
✓ Review debts and spending
✓ Avoid making multiple applications
✓ Speak to a mortgage adviser

At Finance Planning, we can look at your circumstances, search the whole mortgage market and help identify lenders and products that may be more suitable.

Declined doesn’t always mean no. Sometimes it means not this lender.

We offer free advice, so when you are ready, please contact us.

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

16/09/2026

A BIG WEEK FOR MORTGAGES. HERE’S WHY.

Two major interest rate decisions happen this week.

Wednesday: US Federal Reserve
Thursday: Bank of England

But why should UK mortgage borrowers care what happens in America?

Because global financial markets are connected. Expectations around inflation and interest rates can move swap rates, which are one of the key factors lenders consider when pricing fixed rate mortgages.

That means mortgage rates can move before the Bank of England changes Bank Rate.

So, should you fix, wait or review your options?

That depends on your circumstances, not just the headlines.

At Finance Planning, we can search the whole mortgage market, comparing thousands of products from more than 100 lenders to help you understand your options.

Free mortgage advice. Whole of market. Real people.

Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

14/09/2026

🏡🔍 Is your mortgage coming to an end? We’re here to help! 🔍🏡

Is your current mortgage deal about to expire? Don’t worry, Finance Planning is here to guide you through your next steps!

🔹 Explore New Options: We’ll help you find the best mortgage deals available, tailored to your financial situation.
🔹 Lock in Great Rates: With access to a wide range of lenders, we can secure competitive rates and terms for your next mortgage.
🔹 Smooth Transition: We will handle the details, ensuring a seamless switch to your new mortgage.

Don’t let your mortgage end without a plan. Contact The Finance Planning Group today and let us help you arrange your next mortgage with ease! 🌟🏠

Follow us on our social media channels for more tips on how to get the best out of your mortgage.

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

07/09/2026

Still renting and wondering if you'll ever be able to buy your first home?

Every day, we're helping people break free from the rental cycle and take their first step onto the property ladder.

One of the biggest myths we hear is that you need a huge deposit to buy a home. While saving a deposit can still be important for many buyers, there are now 100% mortgage options available for eligible applicants, meaning homeownership may be more achievable than you think.

If you've been putting off your homeownership dreams because you think you don't have enough saved, now could be the perfect time to explore what's possible.

Get in touch today and let's see how we can help you move from renting to owning. We’re always happy to chat.

Follow us on our social media channels for more tips on how to get the best out of your mortgage.

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

#100%Mortgages

03/09/2026

Why choose The Finance Planning Group for your mortgage & protection?

✔ Local experts, real people
We’re based where you are, we understand the local market, the community and what matters to you.

✔ We do the hard work for you
Whether it’s your first home, a remortgage, or sorting life & income protection, we search the market so you don’t have to spend hours comparing rates.

✔ Straight-talking advice
No jargon. No confusion. Just clear, honest guidance so you feel confident every step of the way.

✔ Support beyond the paperwork
We’re here before, during and after your mortgage completes. Got questions months later? We’re still here.

✔ Protection That actually protects
Life happens, we help you make sure your family, income and home are covered properly.

At The Finance Planning Group, it’s not just about mortgages…
It’s about making you feel supported, informed and looked after.

Thinking about your next move? Drop us a message, we’re always happy to help.

Follow us on our social media channels and stay ahead with the best mortgage advice! Let’s navigate this together.

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

31/08/2026

Family Income Benefit is a type of life insurance that provides your loved ones with a regular monthly income if you pass away during the policy term. Instead of a single lump sum, it delivers steady financial support, helping to cover everyday living costs, household bills, mortgage payments and ongoing family expenses.

For many families, losing an income can create immediate financial pressure at an already difficult time. That’s why planning ahead matters. Family Income Benefit plays an important role in a well-structured financial plan, helping to maintain stability, protect your family’s lifestyle, and reduce money worries when support is needed most.

We’ll help you choose the right level of cover to fit your circumstances, as part of a broader financial planning approach with advice that’s clear, personal and completely pressure-free.

Get in touch today and let us secure that peace of mind for you.

Follow us on our social media channels and stay ahead with the best mortgage advice!

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

Finance Planning is a trading name of The Finance Planning Group Limited, which is authorised and regulated by the Financial Conduct Authority.

Address

Sarisbury Green
Southampton

Website

https://neilsadler.financeplanning.co.uk/

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