Sargent Financial Planning, Mortgage & Protection Specialist

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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 being 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.

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?Whether you're buying your first home, moving ho...
22/10/2026

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳 Here are a few ways you could improve your credit score:
✅ Register on the electoral roll.
✅ Pay bills and credit repayments on time.
✅ Keep credit card balances low.
✅ Avoid making multiple credit applications in a short period.
✅ Check your credit report for any errors.

🏡 But what if your credit score still isn't quite high enough?
There's some good news!

I have access to a lender offering a specialist mortgage range called Reach, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

✨ Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

📩 Don't rule yourself out! Drop me a message and let's explore what's 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.

🏡 A mortgage with NO monthly repayments? Yes, it's possible!For high-net-worth individuals with significant assets or co...
14/10/2026

🏡 A mortgage with NO monthly repayments? Yes, it's possible!

For high-net-worth individuals with significant assets or complex income, traditional mortgages aren't always the best fit.

A new specialist mortgage product has launched, offering borrowing of £1 million to £12.5 million, without the need to make regular monthly mortgage repayments.

💰 How does it work?
Rather than making monthly payments, the interest is added to the outstanding mortgage balance. The original loan and accumulated interest are then repaid at the end of the mortgage term.

Who could qualify?
✔️ Net annual income of at least £300,000 OR
✔️ Net assets of at least £3 million

Why might this be useful?
It could allow you to release funds without having to sell investments or other long-term assets, whether that's for property investment, business purposes or wider financial planning.

Available for both residential and Buy-to-Let properties in England and Wales.

⚠️ Interest accumulates over the term, increasing the amount owed. A suitable repayment strategy is essential, and lending is subject to eligibility and affordability assessments.

📩 Have significant assets but looking for a more flexible mortgage solution? Get in touch to explore your options.

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.

🏠 When Life Changes, Your Mortgage Options Can TooGoing through a divorce or separation can bring a lot of uncertainty, ...
08/10/2026

🏠 When Life Changes, Your Mortgage Options Can Too

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
Can I afford to stay in my home?
Can I take the mortgage on by myself?
Could a family member help me with affordability?
What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:
Lenders that allow family members to boost your affordability with their income
Lenders offering stronger income multiples, which could increase how much you’re able to borrow
More flexible approaches to different types of income
Interest-only or part-and-part options where appropriate
Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

📩 If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat. 💬



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.

Could you cope if illness or injury stopped your income? 💷Illness and injury can happen when you least expect them — and...
29/09/2026

Could you cope if illness or injury stopped your income? 💷

Illness and injury can happen when you least expect them — and your bills won’t stop if your income does.

This short-term income protection plan is designed to provide quick, straightforward financial support when you need it most.

✅ Up to £2,250 per month if you're unable to work
✅ No medical underwriting
✅ No long wait for a pay out
✅ Lump sum payment for covered fractures 🦴
✅ Simple, accessible protection for life’s unexpected moments

You don’t have to suffer a serious illness for your finances to be affected. A broken bone, an accident or a temporary illness could mean time away from work and a loss of income.

This cover is designed to provide quick financial support when you need it most, helping you focus on your recovery rather than worrying about your bills.

Your income is one of your most valuable assets – is it protected?

👉 Get in touch today to find out how this simple protection could help safeguard your finances.

🚀 Finally… I have a website!Since launching my business, I’ve somehow managed to run a mortgage advice business without ...
25/09/2026

🚀 Finally… I have a website!

Since launching my business, I’ve somehow managed to run a mortgage advice business without a website! 😂

The truth is, when you’re busy helping people secure their homes, remortgage, find the right protection and generally sort out the things they need, the time to concentrate on the business side of the business can be pretty limited.

In today’s world, I think having an online presence also gives people that bit of credibility and reassurance. Even when someone has been recommended to you, the first thing many people do is search for you online and have a look at who they’re dealing with. This is natural and I understand, I do the same thing. 

The irony is that the vast majority of my business has always come through recommendations and referrals, which is something I’m incredibly proud of. My time has always been better spent looking after clients and helping people achieve what they need rather than worrying about websites and marketing.

I’ve always been much more focused on looking after my clients than building websites, creating fancy marketing and all the other things that come with running a business.

But… I finally got round to it! 🙌

So, if you get a minute, have a browse and let me know what you think. I’d genuinely love to hear your feedback — good, bad or somewhere in between!

Thanks, as always, for your continued support, Marsh. ❤️

www.sargefp.co.uk

🏘️ A reminder for larger portfolio landlords…Did you know that one of the UK’s leading specialist Buy to Let lenders has...
23/09/2026

🏘️ A reminder for larger portfolio landlords…

Did you know that one of the UK’s leading specialist Buy to Let lenders has a dedicated proposition for landlords with larger portfolios, with access to very competitive rates?

If you have 11 or more mortgaged Buy to Let properties, it could be well worth exploring.

The proposition includes:
🏠 No limit on the number of properties in your portfolio
💷 Up to £10 million total borrowing exposure
📉 Access to competitive Buy to Let rates
🔑 Options for standard Buy to Let and HMOs
🔄 Available for purchases and remortgages

Having a larger portfolio doesn’t necessarily mean compromising on rate or lender choice.

If you’re looking to purchase your next investment, refinance existing properties or simply review your portfolio, get in touch and I can look at the options available across the market.

📩 Drop me a message to arrange a review.



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.

🏡 Could you buy a home with £0 deposit?Saving a deposit is often one of the biggest barriers to buying a home — but ther...
19/09/2026

🏡 Could you buy a home with £0 deposit?

Saving a deposit is often one of the biggest barriers to buying a home — but there are more options out there than you might realise.

I’ve just started working with a mortgage lender offering 100% mortgages, meaning eligible buyers could purchase a home with no deposit at all. 🔑

And it’s not just for first-time buyers. Their mortgages are available for:
🏠 First-time buyers struggling to build a deposit
🔑 Home movers who may not have enough equity in their current property
👩‍🏫 Key workers, with enhanced affordability options available
🏗️ New-build properties, including some new-build flats

There are eligibility and affordability criteria to meet, so a 100% mortgage won’t be suitable or available for everyone. But if the deposit is the thing stopping you from buying or moving home, it could be worth finding out what your options actually are.

📩 Drop me a message if you’d like me to take a look at your circumstances.



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.

Ten years ago today, I made one of the biggest decisions of my career and left HSBC.It was an incredibly emotional time,...
16/09/2026

Ten years ago today, I made one of the biggest decisions of my career and left HSBC.

It was an incredibly emotional time, leaving a great company, fantastic colleagues and, more importantly, some wonderful friends. ❤️

Walking away from the security, benefits and familiarity of employed life to venture out on my own was certainly a brave move — and one that came with plenty of uncertainty. But looking back now, I can honestly say I have no regrets whatsoever.

I’m incredibly grateful for the years I spent in financial services and for all the fantastic people who mentored, supported and guided me along the way. The knowledge, skills and experience I gained during those years gave me the foundations to build the career and business I have today.

To all my ex-colleagues friends and friends, I hope you know how much I appreciate you. Thank you for the memories, the support, the laughs and the friendships that have lasted long beyond the workplace.

Ten years on, I’m incredibly grateful for the journey — and excited for everything still to come. ❤️

I don’t ask my clients for reviews very often, and I certainly don’t pay or incentivise people to leave them like many f...
16/09/2026

I don’t ask my clients for reviews very often, and I certainly don’t pay or incentivise people to leave them like many financial advice firms.

That’s why I’m particularly proud when clients take the time to share their experiences of working with me.

The reviews you see here are genuine feedback from real clients, based on their own experiences — whether that’s buying their first home, moving house, remortgaging or arranging finance for additional properties.

I know some firms actively encourage reviews through incentives or rewards, but for me, a review is most valuable when it’s completely voluntary and comes from a client who simply felt I’d done a good job.

Thank you to every client who has taken the time to leave one. It genuinely means a lot and love to you all. ❤️

*** If you haven’t left a review but have dealt with Sargent Financial Planning recently then please feel free to share your experience. I will however be turning off the review function next week before I start getting spammed by bitcoin/crypto idiots and the such. I have tried to get Facebook to remove these reviews but to no avail which is frustrating.

Friday, work with a view day!! ⛰️🌞 Fresh air and birdsong. 5G here too, ⚡️ fast, what more does a productive person need...
11/09/2026

Friday, work with a view day!! ⛰️🌞 Fresh air and birdsong. 5G here too, ⚡️ fast, what more does a productive person need?

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Swansea

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