What are the opening hours?

Monday 9am - 6:30pm Tuesday 9am - 6:30pm Wednesday 9am - 6:30pm Thursday 9am - 6:30pm Friday 9am - 6:30pm

Davis & Co Financial Solutions Ltd

Home
United Kingdom
Worthing
Davis & Co Financial Solutions Ltd

Family-run and locally rooted in Worthing, we're your go-to Mortgage and Protection Insurance experts! Uncover the Secret to Financial Freedom! Look no further!

Serving not just our beautiful town but the entire UK, we're here to make home dreams a reality and ensure your family's future is secure. Worthing's Hidden Gem for Mortgage and Life Insurance Solutions

Are you tired of the corporate maze, impersonal service, and feeling like just another number? We're your local Mortgage Broker and Life Insurance specialists, based right here in the heart of Wo

rthing, West Sussex, but extending our helping hand all across the UK. Why Choose Us?

🤝 Personalized Approach: No corporate nonsense here! We believe in real, 1-on-1 connections with our clients.
🚫 No KPI's: Forget about being just a statistic. We focus on your unique needs, not arbitrary performance metrics.
💼 Bespoke Advice: Tailored solutions for YOUR financial journey, because there's no one-size-fits-all in life.
👥 Full Attention: We limit our appointments to ONE client a day. You deserve our undivided focus and expertise. Ready to transform your financial landscape? Book your exclusive 121 consultation now! 📅🔒

📌 Click the link below to secure your spot via our Calendly app:

https://calendly.com/davisfinancialsolutions/discoverycall

💬 Don't just dream about financial freedom—take the first step today! Drop a 🏠 emoji in the comments if you're ready to unlock a world of tailored advice and seamless solutions. Davis & Co Financial Solutions Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We don't charge any fees for our insurance services. We may charge a fee for mortgage advice once we proceed with your instruction. The actual amount will depend on your circumstances and the service we provide. Our typical fee for mortgage advice is £500 which is only payable should you decide to go ahead with our Mortgage services.

01/04/2026

Today is April Fool’s Day, so here are 10 ways to avoid getting caught out…

Method 1:
• …see more

22/12/2025

You’ve probably seen a lot of posts recently celebrating recent base rate changes and suggesting this is automatically great news for all mortgages and the property market so get selling and moving

It’s understandable — headlines like to keep things simple.

But here’s the reality most buyers and homeowners aren’t made aware of:

👉 Fixed-rate mortgages are no longer priced off the Bank of England base rate.

They’re primarily driven by:
• Gilt yields
• Swap rates
• Lenders’ funding costs
• Market expectations months (sometimes years) ahead

Which means a base rate cut does not automatically translate into cheaper fixed mortgage rates — and in many cases, lenders have already priced expected changes in long before they happen.

⸻

⚖️ And there’s another side to this story…

The base rate also directly affects savings rates.

So while borrowers might hope for lower mortgage costs:
• Savers may see returns fall
• Retirees relying on interest income feel the impact
• Cash ISAs and savings accounts can become less attractive

It’s not “good news all round” — it’s a balancing act, and the impact is different for every household.

⸻

🧠 This is why advice matters

Mortgage decisions today are about far more than headlines suggest.

Two people reading the same rate announcement can need completely different strategies, depending on:
• Fixed vs tracker preference
• Time remaining on a deal
• Risk tolerance
• Income stability
• Long-term plans

This is why it’s important to speak to a qualified mortgage professional, rather than relying on general property commentary.

Estate agents are experts at selling property.
Mortgage advisers specialise in lending, rates, risk, and long-term affordability.

They’re related — but they are not the same thing.

⸻

The key takeaway:

Interest rate news is useful context — but it’s not advice.

If you’re buying, remortgaging, or planning ahead, what matters isn’t the headline rate — it’s how the market actually prices mortgages right now, and how that fits your situation.

18/12/2025

Angmering Parish Council

Join Us for a Festive Family Christmas Celebration!

We are excited to bring you another chance to celebrate the season — whatever the weather!

All activities are FREE, including:
🎠 Funfair rides & sideshows
🎅 Santa’s Grotto — meet Santa and get an early present
🎨 Face painting
🍷 Non-alcoholic mulled wine
🌰 Hot roasted chestnuts
🔥 Toasted marshmallows
🍭 Candy floss & popcorn

Plus:
🛍 Christmas market for those unique last-minute gifts
🎟 Grand Raffle – £1 per ticket, with over 60 prizes from local traders and businesses!

Save the date — we can’t wait to see you!

🌐https://www.angmering-pc.gov.uk/events/entry/angmeringchristmas-2025

15/12/2025

Here’s something most people who’ve bought life insurance online don’t realise:

👉 Comparison sites don’t write your policy in trust.

You get a policy.
You pay the premium.
You assume your family is protected.

But one of the most important steps — making sure the money reaches your family quickly — is usually missing.

⸻

Why this matters

If a life policy isn’t written in trust, the payout:
• Becomes part of your estate
• Can be delayed by probate
• May take months to reach your family
• Arrives at the exact time they need it least

This isn’t about the policy being “bad”.
It’s about the process being incomplete.

⸻

Why comparison sites don’t do this

Writing a policy in trust:
• Requires explanation
• Needs guidance
• Involves understanding your family setup
• Can’t be done properly with a few tick boxes

So it’s usually skipped altogether.

Most people don’t even know it exists — let alone that it’s missing.

⸻

Same policy. Very different outcome.

Online policy (no trust):
❌ Delays
❌ Legal paperwork
❌ Added stress for your partner
❌ Money tied up when it’s most needed

Advised policy (written in trust):
✔️ Money goes directly to your chosen beneficiaries
✔️ Paid quickly
✔️ Outside your estate
✔️ Less admin, less stress

And here’s the key point:

👉 Writing a policy in trust doesn’t cost any more.

⸻

How I do it

When I arrange life insurance, writing it in trust is part of the process — not an optional extra.

✔️ No additional cost
✔️ No fees for protection advice
✔️ No charges for support or changes
✔️ Clear explanation, done properly

It’s simply how protection should be set up.

⸻

Already have life cover?

If it was bought through a comparison site, there’s a very good chance it isn’t written in trust.

📩 Message me and I’ll happily confirm whether your policy is written in trust and what your options are.

No pressure. No charge, Just clarity.

20/11/2025

Myth: I’m too young for life insurance

Think you’re too young to worry about life insurance? Think again! It can happen at any time and the younger you are, the cheaper it is — and locking it in early protects your family for the long term.

And yes...it can cost less than a couple of coffees a month to provide total peace of mind to your loved ones.

✅ Book a free Family MOT today to see what cover you need.
📩 DM to get started!

29/10/2025

💰 Inflation’s everywhere… is your protection keeping up?

You’ve seen it.
A pack of mince that used to be £3 is now nearly £6.
A bar of Dairy Milk is flirting with a fiver 🍫
And don’t even start on olive oil — it’s pricier than a decent bottle of wine! 🍷

We’re being told to pay more tax… spend more… tighten our belts…
But here’s the uncomfortable truth:
Most people haven’t checked whether their protection plans are keeping up with any of it.

🔍 Here’s the problem:

If your life cover, critical illness cover, or income protection was set up years ago — and it’s not index-linked — the benefit you’ll receive won’t have kept pace with inflation.

So, that £2,000 a month income protection that sounded perfect a few years ago?
With inflation doing its thing, it might now only cover what £1,500 used to.

That means your cover could quietly be shrinking in value every year — even though your premiums stay the same.

💡 Here’s how indexation fixes that:

Index linking means your benefits rise each year, usually in line with inflation (CPI or RPI).
Yes — the premium increases slightly, but so does the level of protection you have.
It ensures that if the cost of living doubles, your cover keeps pace.
Your safety net stays strong, not slowly unravelling.

🧠 Real-world thinking, not fine print

Because what’s the point in having “£200,000 of cover” if, by the time it’s needed, that figure buys half as much as it once did?

At Davis & Co Financial Solutions, we help people make sure their protection plans stay relevant — because there’s no point having peace of mind that doesn’t actually buy you peace.

💬 Message me today if you’d like a quick review of your protection.
It’s one of those small financial tweaks that can make a huge difference when life happens.

28/10/2025

👨‍👩‍👧‍👦 Life moves fast… but is your protection keeping up?

Between school runs, packed lunches, late-night laundry, and trying to remember where you left your car keys (again 😅)… it’s easy to let life cover and protection policies drift quietly into the background.

The truth is — life doesn’t stand still.
New jobs. New homes. Growing kids. Maybe even a few more grey hairs than last year 👀

But here’s the question most parents don’t stop to ask:
👉 Does my protection still fit the life I’m living now?

Because the policy you set up 5 or 10 years ago might not reflect what your family needs today.
Maybe the mortgage has changed.
Maybe your income’s different.
Maybe you’ve had another child (or two!).

That’s why it’s worth taking an hour — just one — to review it properly.
At Davis & Co Financial Solutions, we make that process simple, human, and completely flexible — including home appointments during the day or evening to fit around family life.

No jargon. No pressure. Just calm, clear advice that helps parents like you feel confident that everything’s covered — no matter what changes next.

💬 Message us today and let’s make sure your protection grows as fast as your family does.

13/10/2025

💡 “Double the cover”… or double the confusion?

I’ve been seeing this a lot lately — couples with joint mortgages being covered by two separate individual life policies.
Sounds smart at first glance, right? Twice the cover, twice the protection?

🚨 Not quite.

Let’s unpack this 👇

You’ve got one joint mortgage, but two individual decreasing term plans — both covering the same debt.
Each is designed to clear the mortgage if one of you were to pass away.

Fast forward 15 years…
One of you sadly dies.
The policy pays out.
💰 The mortgage is cleared — job done.

But now… the other person is still paying for their plan — a plan that’s rapidly decreasing in value every year, covering a mortgage that no longer exists.

That second policy? It’s now protecting nothing, yet still costing money every month.
That’s not “double protection.” That’s double payment for a single purpose — and a reducing one at that.

👉 The right setup should be one joint life policy that’s designed to do exactly what it needs to — pay out once to clear the mortgage, efficiently and cost-effectively.

At Davis & Co Financial Solutions, I review policies like these every week. I’ll help you make sure your cover is working smart, not just looking expensive.
No jargon. No pressure. Just honest, professional advice that protects what truly matters.

💬 Message me today to arrange a quick review — it might just save you years of wasted premiums and give you peace of mind that your protection’s finally set up the right way.

10/10/2025

🧠💥 “It won’t happen to me.” — Famous last words.
Here’s the thing…

Most people spend more time picking a Netflix show than picking their life insurance policy.

They scroll, click the cheapest quote online, and hope it’ll “just work out.”
That’s not protection. That’s a blindfold and a prayer.

👉 What happens when the policy doesn’t pay out?
👉 When the small print says “sorry, not covered”?
👉 When your family is left fighting paperwork instead of focusing on what really matters?

At Davis & Co Financial Solutions, we do things differently.
We don’t sell policies — we build personal safety nets.

Tailored protection, expertly matched, fully explained — all handled by real humans who know exactly how to make sure it pays out when it needs to.

And the best bit?

We don’t charge any advice fees for our protection service.
You get the experience, guidance, and peace of mind — without paying extra for it.

🛡️ Problem solved. Risk removed. Peace restored.
That’s what real protection looks like.

💬 Message us today and see why hundreds of local families in Worthing trust us to protect what matters most — their home, their income, and their future. or drop us an email to [email protected] to arrange a no obligation chat and find out more

10/10/2025

Buying a Property Together But Not Married? Read This Before You Unknowingly Move in With the In-Laws

I spoke to a lovely couple this week — first-time buyers, unmarried, with the deposit coming from a parental gift and doing things sensibly:

✔️ Bought as tenants in common
✔️ Put a Declaration of Trust in place to protect their individual shares

So far, so good.
But then came the plot twist...

Their conveyancer (who sorted the declaration) didn’t mention anything about a Will.

Here’s why that’s a big deal:

If one of them were to pass away unexpectedly, the surviving partner wouldn’t automatically inherit their share of the home.

That’s just how the law works for unmarried couples — there’s no automatic right, no matter how many holidays you’ve survived together.

And here’s where it gets interesting...

Guess who might inherit instead?

Potentially the deceased’s parents. Or siblings. Or someone they fell out with in 2009.

Congratulations — you could end up co-owning your home with your not-quite-in-laws.

And no, that’s not the kind of shared ownership scheme anyone signs up for.

So here’s the takeaway:
If you’re buying property — especially as an unmarried couple — please don’t forget to put a Will in place. It’s not dramatic, it’s just smart.

It keeps things clear, protects everyone’s interests, and avoids awkward conversations down the line (like explaining to your partner’s dad why he can't paint the lounge “his colour”).

If you’d like help getting that sorted, just drop me a message.

10/10/2025

🏡✨ Fun Fact Friday! ✨
Did you know… the word “mortgage” actually comes from Old French and literally means “death pledge” 💀📜

(Don’t worry — we promise it’s not as grim as it sounds!)
It got that name because the deal “dies” once the loan is repaid… or if it isn’t 👀

Thankfully, we’re here to make sure yours is the happiest ending possible — with the right rate, the right lender, and zero horror stories and the right protection plans.

So, whether you’re buying your first home or your fifth, or your fixed rate is creeping towards its expiry date, or you need to review or set up your families protection plans...

💬 Chat with Davis & Co Financial Solutions today — and let’s turn your “death pledge” into a dream home success story!

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

Address

Freedom Works
Worthing
BN111LY

Opening Hours

Monday	9am - 6:30pm
Tuesday	9am - 6:30pm
Wednesday	9am - 6:30pm
Thursday	9am - 6:30pm
Friday	9am - 6:30pm

Telephone

+441903444566

Website

http://www.davisfinancialsolutions.co.uk/, https://calendly.com/davisfinancialsolutions/discoverycall

Alerts

Be the first to know and let us send you an email when Davis & Co Financial Solutions Ltd posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Davis & Co Financial Solutions Ltd:

Shortcuts

Address
Telephone
Opening Hours
Alerts
Contact The Business
Claim ownership or report listing

Want your business to be the top-listed Finance Company in Worthing?

Davis & Co Financial Solutions Ltd

01/04/2026

22/12/2025

18/12/2025

15/12/2025

20/11/2025

29/10/2025

28/10/2025

13/10/2025

10/10/2025

10/10/2025

10/10/2025

Address

Opening Hours

Telephone

Website

Alerts

Contact The Business

Shortcuts

Share

Category