Impartial Financial Management

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Impartial Financial Management The FCA does not regulate some forms of Buy to Lets. Think carefully before securing other debts against your home/property. Registered No: 08220813.

Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it. There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £0 to £295 and £1000 for equity release products. This will be discussed and agreed with you at the earliest opportunity. The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Impartial Financial Management, a trading style of Impartial Financial Management Limited is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Impartial Financial Management Limited are registered in England and Wales / or Scotland. Registered Office: 24 Warminster Road, Westbury, BA13 3PE

Lifetime Mortgages are only applicable to those 55 and over, and it could affect eligibility to state means-tested benefits and the inheritance you may leave. To understand the features and risks, ask for a personalised illustration. Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes

Not every mortgage application is straightforward.From unusual properties and high-value borrowing to lending into retir...
02/11/2026

Not every mortgage application is straightforward.

From unusual properties and high-value borrowing to lending into retirement, some cases need a different approach.

We're pleased to have been recognised by LiveMore Mortgages for four successful cases we've worked on together.

A great example of what can happen when advisers and lenders work together.

A big thank you to the LiveMore team!

You can read more about the cases in their original LinkedIn post:
https://www.linkedin.com/posts/real-cases-that-needed-a-livemore-approach-ugcPost-7521208162146893825-FLlP/

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

The Autumn Budget 2026 has landed. So, what's changing for homeowners and first time buyers? 🏡From a new 2.5% deposit sc...
29/10/2026

The Autumn Budget 2026 has landed. So, what's changing for homeowners and first time buyers? 🏡

From a new 2.5% deposit scheme and ISA changes to higher landlord taxes and support with energy bills, there's plenty to digest.

But with inflation expected to rise and mortgage rates remaining uncertain, the bigger picture isn't quite so straightforward.

We've rounded up the key announcements and what they could mean for the housing market.

Swipe through for the breakdown.

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

Think you need a perfect credit score to get a mortgage? 🏡You don’t.Lenders look at much more than one number. Your inco...
28/10/2026

Think you need a perfect credit score to get a mortgage? 🏡

You don’t.

Lenders look at much more than one number. Your income, deposit, credit history, commitments and overall circumstances can all play a part.

A lower credit score doesn’t automatically mean no mortgage. Different lenders have different criteria, so it’s worth understanding your options before assuming you can’t buy 🔑

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

❤️ You can be fit, healthy and doing everything right. But sometimes life has other plans.We're incredibly proud to shar...
26/10/2026

❤️ You can be fit, healthy and doing everything right. But sometimes life has other plans.

We're incredibly proud to share this BBC News article about our very own Rob Hart, who works with us here at Impartial Financial Management.

Many of you will know Rob, but perhaps not everyone knows his story.

A former professional American football player who was on the books of several NFL teams, Rob has always taken his fitness seriously. Even after retiring from the sport, he continued running marathons and completing 100km charity challenges.

Yet earlier this year, at just 51 years old, Rob suffered a stroke.

It came as an enormous shock to Rob, his family and all of us.

Thankfully, Rob is now using his experience to help others, supporting important stroke research that could make a real difference to people's lives. We're enormously proud of him for that. ❤️

But there's another side to this story that we wanted to share.

Rob is the SECOND person in our small family business to have needed to claim on a critical illness insurance policy in just five years.

Think about that for a moment.

Two people. One small family business. Five years.

We spend our working lives helping people protect their homes, their income and their families. We always hope that the insurance policies we arrange will never be needed.

But sometimes they are.

Critical illness insurance can't prevent a stroke, cancer or another serious illness. It can't take away the worry or uncertainty. But it can provide something incredibly valuable — financial security at a time when you need it most.

It can mean not having to worry quite so much about the mortgage, the household bills or how your family will cope financially while you concentrate on recovering.

Rob's experience has brought home to all of us just how quickly life can change, even when you're fit, active and seemingly healthy.

So please, take a few minutes to think about the protection you and your family have in place.

Would it be enough if something unexpected happened tomorrow?

At Impartial Financial Management, we're a family business ourselves. We understand just how important looking after your loved ones really is.

If you're unsure whether you have the right protection, we're always happy to have a chat. No pressure, no hard sell, just honest, straightforward advice.

💙 PLEASE SHARE ROB'S STORY.

Not because we're looking for business, but because it might encourage just one person to check their insurance, put some protection in place or simply take their health more seriously.

And if sharing this helps just one family avoid financial hardship at an already difficult time, it will have been worth it.

We're proud of you, Rob. ❤️

📰 Read Rob's story on BBC News:

https://www.bbc.co.uk/news/articles/c8dx3wvzqewko

The lowest mortgage rate doesn’t always mean the cheapest mortgage 👀🏡A lower rate could come with a higher product fee, ...
23/10/2026

The lowest mortgage rate doesn’t always mean the cheapest mortgage 👀🏡

A lower rate could come with a higher product fee, while another deal might include cashback or different features that better suit your plans.

It’s worth looking at the full picture:

💷 Product fees
🎁 Cashback
📅 Mortgage term
🔄 Flexibility and features
💰 Overpayment options
📊 Overall cost

The headline rate is only one part of the puzzle.

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

Buying a house costs more than just the deposit 🏡💷There are a few extra costs worth budgeting for:⚖️ Solicitor and conve...
21/10/2026

Buying a house costs more than just the deposit 🏡💷

There are a few extra costs worth budgeting for:

⚖️ Solicitor and conveyancing fees
🔎 Property surveys
🏦 Mortgage and product fees where applicable
🛡️ Insurance and protection
📦 Removals, furniture and decorating

Individually they might not seem huge, but together they can quickly add up.

Knowing the costs before you start house hunting means fewer expensive surprises later 🔑

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

Offer accepted! 🎉🏡 So what happens next?📄 Mortgage application submitted to the lender🔍 Valuation carried out on the pro...
19/10/2026

Offer accepted! 🎉🏡 So what happens next?

📄 Mortgage application submitted to the lender
🔍 Valuation carried out on the property
⚖️ Solicitors get to work on searches, contracts and enquiries
✅ Mortgage offer issued if everything is approved
🔑 Exchange & completion and finally… you get the keys!

There’s still a bit of work between having your offer accepted and getting through the front door, but knowing what comes next can make the process feel much less daunting.

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

16/10/2026

Reviews like this genuinely mean a lot 🙌

Buying your first home is a massive step, especially when you’re doing it on your own, so being able to help make the whole process that little bit easier is exactly what it’s all about.

Huge congratulations on becoming a homeowner 🏡🔑

And for the record, there’s no such thing as a silly mortgage question!

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

First-time buyer? 🏡 Let’s clear up a few common myths…❌ You need a 20% deposit❌ Your credit score needs to be perfect❌ Y...
14/10/2026

First-time buyer? 🏡 Let’s clear up a few common myths…

❌ You need a 20% deposit
❌ Your credit score needs to be perfect
❌ You need to earn £50,000
❌ You should wait for mortgage rates to fall
❌ Buying a home always takes years

The reality? Every buyer is different.

Your income, deposit, commitments and circumstances all play a part in what options may be available.

You could be closer to buying your first home than you think 🔑

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

Protection is easy to put off until “later” 👀But there are a few common mistakes worth avoiding:⏰ Waiting too long🏡 Only...
12/10/2026

Protection is easy to put off until “later” 👀

But there are a few common mistakes worth avoiding:

⏰ Waiting too long
🏡 Only protecting the mortgage
💼 Relying solely on work benefits
💷 Choosing cover based on price alone
🔄 Not reviewing existing policies
🤞 Assuming “it won’t happen to me”

Life changes, and your protection needs can change with it.

Having the right cover is about protecting you, your income and the people who rely on you ❤️

Address

Westbury

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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