Sargent Financial Planning, Mortgage & Protection Specialist

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.

AI Can’t Fight Your Corner. I Can!AI is changing the mortgage industry.It can compare rates, it can search criteria, it ...
10/06/2026

AI Can’t Fight Your Corner. I Can!

AI is changing the mortgage industry.

It can compare rates, it can search criteria, it can answer basic mortgage questions in seconds. And that's great.

📞But when a lender has concerns about your application, AI isn't picking up the phone to speak to an underwriter.

🗣️AI isn't explaining why a missed payment from three years ago doesn't reflect your situation today.

📂AI isn't discussing complex income, self-employment accounts, maternity leave, gifted deposits, or unusual circumstances that don't fit neatly into a box.

🤝AI can't build relationships, use experience, judgement and advocate for you when a lender needs reassurance before making a decision.

Getting a mortgage isn't just about finding a rate, it's about presenting your case properly, navigating obstacles, and finding solutions when things get complicated.

Technology helps me work faster, but it isn’t the mortgage broker.



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.

🏚️ Looking to refurbish a Buy to Let property?Some lenders offer refurb-to-let options that are designed for experienced...
03/06/2026

🏚️ Looking to refurbish a Buy to Let property?

Some lenders offer refurb-to-let options that are designed for experienced landlords looking to update or improve investment properties and add value, with flexible options available and the ability to apply for a follow-on ‘standard’ Buy to Let product rate afterwards 👇

I work with lenders who allow:
✔ Up to 6 months available for refurbishment works
✔ Option to secure a longer term fixed rate afterwards
✔ No exit fees or early repayment charges
✔ Faster legal process with Title Insurance available

This can also support:
🏠 Converting a standard property into an HMO (up to 6 occupants)

One of the biggest advantages?
Your refurbishment and Buy to Let applications can be reviewed together by the same underwriter — helping create a smoother process, quicker turnaround times and a clear exit strategy from the outset 💡

📩 Message me to discuss your refurbishment plans and available options.



Subject to full mortgage application and product range.

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.

🏡 Struggling to buy a home and need help from Mum & Dad?A Joint Borrower Sole Proprietor mortgage could help you get ont...
27/05/2026

🏡 Struggling to buy a home and need help from Mum & Dad?

A Joint Borrower Sole Proprietor mortgage could help you get onto the property ladder 👇

This allows parents or close family members to support the mortgage application using their income, helping boost affordability, without being named on the property deeds.

One of the biggest challenges with these mortgages is that many lenders cap the mortgage term based on the oldest applicant’s age, which can increase monthly payments as your mortgage term is short.

But some lenders take a different approach 👀

✔ They can assess the term using the younger applicant’s age
✔ Lending may be available up to age 80
✔ Some lenders even have no maximum age limit

This could mean lower monthly payments and more borrowing potential...

📩 Message me to see what options may be available to you.



Subject to full mortgage application and product range.

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.

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?Yo...
23/05/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.



Subject to full mortgage application and product range.

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.

💼 Life can change unexpectedly, but your financial security should always stay protected.With Unemployment Insurance cov...
21/05/2026

💼 Life can change unexpectedly, but your financial security should always stay protected.

With Unemployment Insurance coverage, you can enjoy peace of mind knowing you’ll have financial support if you experience unexpected job loss or involuntary redundancy through no fault of your own.

✨ Why Choose Unemployment Insurance?
✔️ Monthly income support during unemployment for up to 24 months
✔️ Protection for bills, rent, and daily expenses 🏠
✔️ Quick & simple claims process 📄
✔️ Flexible plans tailored to your needs 🎯

🌟 Be prepared for the unexpected and safeguard your future today.

Don’t leave your finances to chance, secure reliable protection for yourself and your family ❤️

👉📞 Please get in touch to explore your options.

Marsh: 07854353504 [email protected]

Power brunch. 💪🏼💥 Shoot for the stars everyone. ⭐
21/05/2026

Power brunch. 💪🏼💥 Shoot for the stars everyone. ⭐

🚨 HUGE news for first-time buyers & renters 🚨Halifax is shaking up the mortgage market with a game-changing new deal fro...
14/05/2026

🚨 HUGE news for first-time buyers & renters 🚨

Halifax is shaking up the mortgage market with a game-changing new deal from 18th May 2026 🏡

You could now get on the property ladder with just a £5,000 deposit 🤯

Here’s what you need to know:
Up to 98% LTV (just £5k minimum deposit)
Available on homes up to £300,000
5-year fixed rate with NO product fees
Built for people who can afford monthly repayments but struggle to save a big deposit

This is a massive step toward making homeownership more accessible.

If you’ve been stuck renting and thought buying was out of reach… this could change everything.
We have access to this deal, so drop us a message! 👇



Subject to full mortgage application and product range.

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 shift in the mortgage world…For years, most lenders have typically offered around 4–4.5x income, which has limited h...
13/05/2026

🏡 A shift in the mortgage world…

For years, most lenders have typically offered around 4–4.5x income, which has limited how far many buyers can go.

Now, another lender has stepped things up.

It’s now possible in some cases to borrow up to 6x your income (subject to criteria), whether you’re:
✨ Buying your first home
✨ Moving up the ladder
✨ Remortgaging

For many, that could mean:
✔️ Access to a bigger home
✔️ Moving sooner than expected
✔️ More flexibility with your options

Things are changing, and it’s opening new doors.

Curious what this could mean for you?

📩 Send me a message or comment “6x” and I’ll take a look.



Subject to full mortgage application and product range.

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.

Think bad credit means no mortgage? Not necessarily.There are actually lots of lenders who will consider applicants with...
06/05/2026

Think bad credit means no mortgage? Not necessarily.

There are actually lots of lenders who will consider applicants with credit blips, it’s just about knowing where to look and how to present your case.

One lender I’m highlighting at the moment is taking a really practical view of your credit history (and rates start from 5%):

✔️ Up to 3 CCJs in the last 36 months
✔️ CCJs under £300 not taken into account
✔️ No maximum value on CCJs or defaults (and they don’t always need to be satisfied)
✔️ Up to 2 missed payments in the last 6 months on unsecured credit
✔️ Communication & utility missed payments/defaults ignored
✔️ Active Debt Management Plans considered up to 85% LTV

This is exactly why speaking to a broker makes a difference, criteria like this isn’t always obvious if you’re going direct.
If you’ve been declined before, or you’re unsure where you stand, it’s worth having a conversation.

📩 Drop me a message, and I’ll give you a clear, honest view of what’s possible.
Subject to full mortgage application and product range.

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.

Renting rules are changing… what does this mean for you? 🏡From 1 May 2026, the Renters’ Rights Act will bring in some im...
22/04/2026

Renting rules are changing… what does this mean for you? 🏡

From 1 May 2026, the Renters’ Rights Act will bring in some important changes:
🔑 Removal of ‘no fault’ evictions: Landlords will need a valid reason to end a tenancy
📄 More flexible tenancies: No more being locked into long fixed terms
📅 Rent can only be increased once a year
⚖️ Tenants can challenge unfair rent increases
💷 Large upfront rent payments will be banned
So what does this mean for you?

For landlords with mortgages:

👉 Beyond just the rules, this is likely to shift how you as a landlord approach your properties.

You may:

Review whether your current mortgage is still competitive
Look at raising funds for improvements to increase rental appeal
Reassess profitability and consider selling
Restructure portfolios or reduce the number of properties you hold

👉 If you’re a landlord, now is a good time to step back and look at your overall strategy, and make sure your mortgage is working for you, not against you.

For renters & first-time buyers:

👉 For some, this may make renting more stable. For others, it might be the nudge to explore buying instead.

That’s where I come in.

I help you understand your options, whether it’s getting onto the property ladder, reviewing your current mortgage, or planning your next move with confidence.

If you’re unsure how these changes affect you, just drop me a message 📩



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

Website

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