Impartial Financial Management

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 contai

ned 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

4 signs it could be time to remortgage 👀👇Your fixed rate is coming to an end ⏳When it does, you’ll usually move onto you...
09/06/2026

4 signs it could be time to remortgage 👀👇

Your fixed rate is coming to an end ⏳
When it does, you’ll usually move onto your lender’s standard variable rate, which can often be higher. Worth reviewing things early.

You’re already on the SVR 📈
If you haven’t switched, there may be other options available that could be more suitable.

Your home’s value has increased 🏡
A lower LTV can sometimes lead to access to different rates.

Big life change 🤝
New job, growing family, or changes in income can mean your current deal no longer fits.

It doesn’t always mean changing straight away… but it’s worth knowing your options.

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

07/06/2026

When I’m mid-conversation but hear someone else say the word “mortgage” 👀🏡

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

05/06/2026

POV: Your mortgage adviser telling you how much your payments are going up by… 😅📈

Not the easiest conversation…
But one we’ll always talk you through properly.

No jargon, no pressure.
Just clear guidance so you know exactly where you stand.

As a family business, we’re here to support you every step of the way 🤝

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

Knowing when to walk away is just as important as knowing when to offer 👀Not every property is the right one, even if it...
03/06/2026

Knowing when to walk away is just as important as knowing when to offer 👀

Not every property is the right one, even if it looks perfect on the surface…

If the price doesn’t stack up 💸
If the survey raises concerns 🏚️
If the location isn’t right 📍
If something feels off 🤔

Sometimes, the best decision is to walk away 🚶‍♂️

The right home shouldn’t feel like a compromise 🤝

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

Do these habits raise red flags for lenders? 👀🚩It’s not always the big things… sometimes it’s the everyday patterns that...
01/06/2026

Do these habits raise red flags for lenders? 👀🚩

It’s not always the big things… sometimes it’s the everyday patterns that get noticed.

Living in your overdraft 💸
Even if it’s authorised, it can suggest pressure on your monthly cashflow.

Maxed out credit cards 💳
High balances compared to limits can look like over reliance on credit.

Buy now, pay later 🛍️
Fine occasionally, but regular use can raise questions.

Paying bills late ⏰
Missed or late payments can stay on your file longer than you might think.

Gambling transactions 🎰
Even small, regular bets can be viewed as higher risk by some lenders.

It doesn’t always mean a no… but it can make things more difficult.

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

30/05/2026

When you complete on your new build… 🏡

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

The truth about self-employed mortgages 💼🏡✔️ It’s not as hard as you thinkBut preparation really matters.📄 What lenders ...
27/05/2026

The truth about self-employed mortgages 💼🏡

✔️ It’s not as hard as you think
But preparation really matters.

📄 What lenders usually want
• 2 years of accounts or SA302s
• Some lenders accept 1 year

💰 How income is assessed
• Sole traders: net profit
• Directors: salary + dividends

🚫 Common mistakes
• Overstating expenses
• Inconsistent dividends
• Leaving it too late
• Ignoring your credit report

🤝 As a family business, we understand the pressures that can come with being self-employed.
Whether you’re a sole trader, director or business owner, we’re here to guide you through the process and help make things feel a little less overwhelming.

📌 The takeaway
The right advice can make all the difference.

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

Is your life insurance written in trust? 🛡️If not, it may be worth checking.Writing a life insurance policy in trust can...
25/05/2026

Is your life insurance written in trust? 🛡️

If not, it may be worth checking.

Writing a life insurance policy in trust can help ensure the money goes to the people you choose and may allow the payout to be made more quickly.

It can also help keep the policy outside of your estate for inheritance tax purposes and give you more control over who receives the benefit.

A small step when setting up your policy can make a big difference for the people you care about. 💛

Mortgage myths we still hear in 2026 🏡“I should wait until rates drop.”Trying to time the market often costs more than i...
22/05/2026

Mortgage myths we still hear in 2026 🏡

“I should wait until rates drop.”
Trying to time the market often costs more than it saves.

“Going to my bank is cheaper.”
Banks only show their own deals, not the whole market.

“If I’m declined once, that’s it.”
One lender’s no is often another lender’s yes.

“I need a 20% deposit.”
Many buyers purchase with 5 to 10%.
In some situations, 0% deposit options may be available, subject to criteria.

Let’s clear a few things up.
Good advice makes the difference.

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

20/05/2026

First time buyers in IKEA… 🏡🛒

“We’ll just grab a few bits.”
grabs trolley

Next minute… candles, plants, storage boxes, 17 cushions later…

“How has that come to £500?!”

No one warns you the real expense starts after you get the keys 😂

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

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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