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Sargent Financial Planning, Mortgage & Protection Specialist

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United Kingdom
Swansea, Wales
Sargent Financial Planning, Mortgage & Protection Specialist

I am a Financial Adviser specialising in Mortgages, Equity Release and Protection. If you are in any doubt, seek independent advice.

I place great value in customer service and am proud to have clients who regularly refer their families and friends to me for assistance. My clients are extremely varied, but include:

► First time buyers
► Buy-to-let landlords & investors
► Self-employed
► Council house tenants
► High net worth individuals
► Commercial business owners

What makes a good Mortgage Adviser? In my view, it’s about be

ing a good listener and knowing which questions to ask. By really understanding your needs I’m able to thoroughly research the market on your behalf and give you the best advice regarding the options available. Remember, understanding how much you can borrow and how much you can afford to pay are often two different things! Most of my new leads come from personal recommendations; I’m often told I’ve been recommended because:

► I do what I say I will – such a simple philosophy!
► I keep in touch and provide regular updates.
► I handle the whole process personally from start to finish.
► I use my knowledge of specialist lenders to help people with a poor credit history.
► I provide post-mortgage support, ensuring home and family are properly protected.
► I get the best deal available now, and again when the time comes to remortgage. I pride myself on a truly personal service, offering daytime and evening appointments. If you would like some impartial mortgage advice, or need help with insurance cover, why not get in touch for an informal chat? RISK WARNINGS

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority

This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances. Contact me for a FREE initial consultation, we can talk about: Personal protection, Mortgages, Buy To Let mortgages and Equity Release. Sargent Financial Planning Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no.15415949. Registered Address : 11 Golwg Yr Afon, Pontarddulais, Swansea SA4 0XS.

02/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000
🏦 Potential mortgage: £218,500
🏡 Property price: £230,000
🔑 Deposit: £11,500 (5%)
📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

28/08/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:
🔎 Review your current mortgage and circumstances
📊 Look at what's happening across the wider mortgage market
⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance
🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.
I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send me a message and I'll make sure we're ready when the time comes.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

26/08/2026

🩺 Critical Illness Cover vs Income Protection: What's the Difference?

They both provide financial support when illness affects your life, but they protect you in different ways.

🩺 Critical Illness Cover

If you're diagnosed with a covered serious illness, it can provide a lump sum to use as you choose.

💷 You could use it to:

Pay off or reduce your mortgage
Cover household bills
Make changes to your home
Take time away from work
Help with recovery costs

💼 Income Protection

If illness or injury means you're unable to work, Income Protection can provide a regular monthly income to help you maintain your finances while you recover.

💷 It can help with:

Mortgage or rent
Household bills
Everyday living costs
Family commitments

Think of it this way:

🩺 Critical Illness Cover = A lump sum following a covered diagnosis.
💼 Income Protection = An income if you're unable to work due to sickness.

They aren't the same cover, and depending on your circumstances, having both could provide broader financial protection.

📞 Not sure which type of protection is right for you? Speak to us for a protection review.

24/08/2026

🌊☀️ Has This Summer Made You Dream of Your Own Place by the Sea?

As summer starts to draw to a close, have those sunny days, trips to the coast and time away with the family got you thinking… What if we had a place of our own?

Somewhere you can escape to for the weekend, make the most of the good weather, enjoy family holidays and create memories year after year. ❤️

And right now, there could be more choice for buyers looking in some of the UK’s most beautiful coastal locations.

Recent changes affecting landlords and holiday lets have contributed to more properties becoming available in Devon and Cornwall, including in popular seaside areas.

If you’ve always dreamed of owning a second home or holiday home but assumed it was out of reach, you might be surprised. Getting a mortgage for a second home can be more achievable than many people think.

🏡 The property? There may be more to choose from.
💷 The mortgage? That’s where I can help.

With access to over 120 lenders, I can search across a range of mortgage options, including lenders offering competitive rates specifically for second homes and holiday properties - meaning I do the research for you and help find an option that fits your wants and needs.

If owning your own little escape in Devon, Cornwall or elsewhere is on your wish list, let’s have a chat and see what could be possible. 📩

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

19/08/2026

I should probably talk about mortgages but check these bad boys out. 😋 haha. Peanut butter, almond flour and honey cookies. Heat them from frozen and don’t forget the double cream. This is a favourite in our home and don’t last long. 🏡 ❤️

09/08/2026

Sunday. ❤️ I absolutely love a sunny Sunday unwind. Hope everyone has had the most fabulous weekend. 🌞

04/08/2026

🏡 Want to buy a home with little or no deposit?

A Joint Borrower Sole Proprietor (JBSP) mortgage could help make homeownership possible with support from an immediate family member.

I have access to a lender who has just launched a new product, which allows the below:
✅ Available up to 100% loan to value, so no deposit required (subject to eligibility)
✅ Available for purchases and remortgages
✅ Up to 4 applicants' income can be considered (subject to affordability)
✅ Maximum loan of £675,000

A JBSP mortgage allows a family member to help boost affordability without being named as an owner of the property.

If you've been told you can't borrow enough on your own, there may be another option.

📩 Get in touch to find out whether a JBSP mortgage could be right for you.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

22/07/2026

Self-care isn't just about taking time out... it's about looking after your future too. 💚🏡

With International Self-Care Day on 24th July, it's a great reminder that financial wellbeing is an important part of self-care.

For many aspiring homeowners, the biggest hurdle isn't the monthly mortgage payment - it's saving enough for a deposit.

The good news is that new mortgage options are becoming available to help more first-time buyers get onto the property ladder, including products that may offer:
🏡 Up to 98% loan-to-value
💷 Deposits from as little as £5,000
📈 Higher income multiples for eligible applicants
🤝 Free Standard valuation

Every lender has different criteria, and these products won't be suitable for everyone. That's why getting independent mortgage advice is so valuable. A broker can help you understand what's available and find a mortgage that's right for your circumstances.

📩 Drop me a message for information on the lender offering the above.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances

15/07/2026

🏡 Landlords – flexibility matters.

As a landlord, your mortgage shouldn't hold you back.

I now have access to a lender that's just launched two new Buy-to-Let Base Rate Tracker mortgages with no early repayment charges (ERCs).

Why does that matter?
✅ Re-mortgage whenever it suits your investment strategy
✅ Raise funds for your next purchase without worrying about ERCs
✅ Refinance after adding value through renovations or improvements
✅ Greater flexibility as your property portfolio grows

Tracker rates are available from:
📍 Bank of England Base Rate +1.00% for standard Buy-to-Let properties
📍 Bank of England Base Rate +1.35% for HMOs and Multi-Unit Blocks

Every landlord's circumstances are different, so if you're looking to expand your portfolio or want a mortgage that gives you more freedom, send me a message and let's see if this could work for you.

Subject to eligibility and full mortgage assessment.

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

08/07/2026

👀 Halifax is changing...

You may have seen last week's announcement that Lloyds Banking Group, has confirmed that Halifax Intermediaries will become Lloyds Intermediaries in early 2027.

While the name is changing, the important thing is what it means for you as a customer.

If you're a Lloyds Premier Personal Current Account customer, there are exclusive mortgage products available through your mortgage broker. You don't need to go directly to the bank to access these rates - I can arrange them for eligible customers, whilst comparing with other rates.

In the meantime, if you currently have a Halifax mortgage, I can also access the same Halifax rates and products for existing customers - before accepting your renewal offer, let me carry out a full mortgage review, and compare with the wider market to make sure you're getting the right deal.

📩 Get in touch if you'd like me to review your mortgage.

Subject to eligibility and full mortgage assessment.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

Address

Fforest
Swansea

Telephone

+447854353504

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