Neil Sadler - Finance Planning Mortgage & Protection

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.

Are you ready to get on the property ladder but don’t know where to start?Don’t worry, you don’t have to do it alone!At ...
09/06/2026

Are you ready to get on the property ladder but don’t know where to start?

Don’t worry, you don’t have to do it alone!

At The Finance Planning Group, we can help you:

- Work out how much you can afford
- Find the perfect mortgage for your situation
- Save and plan your deposit smartly
- Sort protection so your home and income are safe

✔ We search a wide panel of lenders to find the right mortgage for your situation
✔ We explain everything in plain English (no confusing jargon!)
✔ We can help you understand deposits, credit scores and all the steps involved
✔ We also sort protection to keep you and your new home financially safe
✔ And we support you all the way through the process, not just at application

Whether you're months away or ready to start right now, we’re here to help you take that first step with confidence.

Message us any time to chat about your options — no pressure, just friendly 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.

Self-employed and think getting a mortgage is out of reach?One of the biggest misconceptions we hear is that being self-...
05/06/2026

Self-employed and think getting a mortgage is out of reach?

One of the biggest misconceptions we hear is that being self-employed makes it difficult to secure a mortgage. While the process can be a little different, there are plenty of lenders who understand self-employed income and are willing to consider a wide range of circumstances.

Whether you're a sole trader, company director, contractor, or business owner, having the right advice can make all the difference.
We help self-employed clients understand their options, prepare their application and find mortgage solutions that work for them.

If you've been putting off your homeownership plans because you're self-employed, now could be the perfect time to have a conversation.

Get in touch today and let's explore what's possible.

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.

Feeling the Mortgage pressure? You’re not alone!With so many fixed-rate mortgages ending in this, it’s completely normal...
01/06/2026

Feeling the Mortgage pressure? You’re not alone!

With so many fixed-rate mortgages ending in this, it’s completely normal to feel unsure or stressed about what comes next. If that’s you, you’re not alone!

We’re here to make things easier.

We break down the jargon, keep you updated on market changes and help you understand your options so you can make the right decision for your home and your wallet.

Whether your rate ends next month or later in the year, we're ready to guide you through every step, clearly, calmly and with your best interests at heart.

Follow along for simple advice, real numbers and the best remortgage tips to help you feel confident about your next move.

We can help you find the best mortgage deal tailored to your needs. We will guide you through the process, ensuring you get the most favourable rates and terms.

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

Let’s navigate this together.

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

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

Have you been refused a mortgage? We’re here to help! Getting refused for a mortgage can be disheartening, but it doesn’...
21/05/2026

Have you been refused a mortgage? We’re here to help!

Getting refused for a mortgage can be disheartening, but it doesn’t mean your homeownership dreams are over! The Finance Planning Group is here to guide you through your next steps and help improve your chances of approval.

🔹 Assess the Reasons: We’ll help you understand why your application was declined and how to address those issues.
🔹 Credit Review: Our experts will guide you in improving your credit score and overall financial health.
🔹 Tailored Solutions: We’ll find the best mortgage options based on your situation and help you reapply with confidence.
🔹 Expert Guidance: From fixing your finances to navigating the application process, we’re here every step of the way.

Don’t give up, contact The Finance Planning Group today and let us help you secure the mortgage you deserve!

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.

Buy-to-let mortgages remain a popular way to build long-term income, but lenders are more focused than ever on strong ap...
14/05/2026

Buy-to-let mortgages remain a popular way to build long-term income, but lenders are more focused than ever on strong applications and sustainability.

Key criteria:

- Minimum deposits typically around 20–25%

- Rental income must comfortably cover the mortgage (stress-tested at higher rates
- Good credit profile and, in some cases, minimum personal income

What’s changed from May 2026?:

- The new Renters’ Rights reforms mean most tenancies are now rolling, with tenants able to give shorter notice
- Making Tax Digital is now in force for landlords earning £50k+, requiring quarterly reporting
- Ongoing tax changes and tighter regulation are increasing compliance and costs for landlords

We will guide you through the whole process, from understanding lender criteria to structuring your application correctly. With access to a wide panel of lenders, we help you secure the right deal and navigate the latest legislation with confidence.

If you’re considering your next investment or reviewing your portfolio, now is the time to get expert advice.

Get in touch to explore your options.

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.

Don't get caught out...your first mortgage payment can often be higher than expected.Why?Because you don’t just pay your...
06/05/2026

Don't get caught out...your first mortgage payment can often be higher than expected.

Why?

Because you don’t just pay your usual monthly instalment, you may also be charged interest from the day you move in to your first payment date. Those “extra” days’ interest can make the first payment look bigger than normal.

It’s completely standard—but it catches a lot of people out.

Here are a few other handy tips when getting ready to complete:

✔️ Keep a small buffer aside for completion day costs
✔️ Don’t forget moving expenses (they add up quickly)
✔️ Set up your direct debit early so nothing is missed
✔️ Always ask your broker to explain your first payment breakdown in advance

Being prepared makes everything smoother and less stressful.

Follow Finance Planning for more simple, practical mortgage tips that help you stay one step ahead 🏡

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.

Are you stuck in the rental trap? Maybe it’s time to stop paying someone else’s mortgage...Skipton Building Society now ...
29/04/2026

Are you stuck in the rental trap? Maybe it’s time to stop paying someone else’s mortgage...

Skipton Building Society now offers a track record mortgage designed specifically for renters who want to get on the property ladder.

How does it work?:

✅ No deposit needed, you don’t need thousands saved to get started
✅ Borrow based on your rent payment history, your reliable rent shows lenders you can afford a mortgage
✅ Borrow up to 100% of the property value (subject to eligibility)

If you’ve been renting and thinking “I’ll never be able to buy,” this could be your chance to move into your own home sooner than you imagined. Guess what? The Skipton are one of many mortgage lenders that we have access to, all you have to do it get in touch.

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.

Is your Mortgage due soon? Don't accept what your current lender offers you. Auto-renewing your mortgage could be one of...
24/04/2026

Is your Mortgage due soon? Don't accept what your current lender offers you.

Auto-renewing your mortgage could be one of the most expensive mistakes you make this year.

When your mortgage comes up for renewal, you have a short window to:

💰 Lock in a better rate
💰 Cut thousands in interest
💰 Lower your monthly payments
💰 Use your new enhanced equity to your advantage

If your mortgage is up for renewal in the next 6–12 months, the time to act is now, not after the deadline.

Let’s make it work for you, not the bank. Don't wait until it's too late!

Contact the Finance Planning Group today for FREE expert advice on optimising your mortgage and lock in the best rates available. Don't miss out on this opportunity to make your mortgage work for you! 📈

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.

🏡

Are you waiting for rates to drop? It’s one of the biggest questions in the market right now:Should you wait, or should ...
16/04/2026

Are you waiting for rates to drop? It’s one of the biggest questions in the market right now:

Should you wait, or should you move now?

The truth is, there’s no one size fits all answer. But there are a few key things to think about before putting your plans on hold:

Rates vs house prices:
- While mortgage rates may fluctuate, property prices don’t always wait. In some cases, prices can continue rising, meaning waiting could cost more overall, even if rates improve slightly.

The cost of waiting - Delaying a purchase might mean:
- Paying higher rent for longer
- Missing out on a property you love
- Potentially borrowing more later if prices increase
- Sometimes, the “perfect moment” ends up being more expensive than acting sooner.

Your personal affordability matters most - trying to time the market is incredibly difficult, even for experts. What matters more is:
- What you can comfortably afford
- Having the right mortgage structure in place
- A plan that supports your long-term goals
- Because ultimately, the right time to buy isn’t about the market, it’s about you.

If you’re unsure, that’s where the right guidance can make all the difference. A clear plan can help you move forward with confidence whenever the timing is right for you. Contact us today and let's chat.

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

Calling all first-time buyers ... What’s your number 1 question you have about Mortgages?Buying your first home can feel...
13/04/2026

Calling all first-time buyers ... What’s your number 1 question you have about Mortgages?

Buying your first home can feel overwhelming, from understanding deposits, rates and affordability, to choosing the right mortgage product. But it doesn’t have to be complicated!

We’re here to guide you step by step, making your journey to owning your first home as smooth and clear as possible. 🏡💛

👇 Drop your questions in the comments and our team will answer them or contact Finance Planning today for expert advice! 🌟🏠🌟

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

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Southampton

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