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ADNFC Financial Consultants Ltd

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ADNFC Financial Consultants Ltd

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from ADNFC Financial Consultants Ltd, Financial planner, Unit C, Ryedale House, Picadilly, York.

ADNFC Financial Consultants offers financial planning, mortgage advice, and conveyancing services, giving clients a clear, joined-up approach to managing, financing, and protecting their wealth

03/11/2026

Could Mortgage Borrowing Power Be Changing?

Recent changes to high loan-to-income lending rules could give lenders greater flexibility when offering mortgages at higher income multiples.

💡 What does this mean for you?

✅ Greater borrowing potential for eligible applicants.

✅ More flexibility for first-time buyers and home movers.

✅ Affordability, credit history and lender criteria still apply.

At ADNFC Financial Consultants, we can help you explore your borrowing potential and find a mortgage solution suited to your circumstances.

📩 Get in touch with our team today to discuss your options!

26/10/2026

Mortgage Deals Are Disappearing Faster Than Ever!

Did you know that mortgage products remained available for an average of just 13 days in October 2026, according to Moneyfacts?

With lenders frequently repricing or withdrawing products in response to changing market conditions, securing the right mortgage requires careful planning and timely decisions.

💡 What does this mean for you?

✅ Mortgage rates and products can change quickly.

✅ Waiting too long could mean missing a suitable deal.

✅ Reviewing your options early could put you in a stronger position.

Whether you're a first-time buyer, homeowner looking to remortgage, or property investor, getting professional advice early can make all the difference.

At ADNFC Financial Consultants, we're here to help you navigate the changing mortgage market and find a solution suited to your circumstances.

📩 Don't leave your mortgage planning until the last minute. Get in touch with our team today!

21/10/2026

UK inflation is back at 3.5% — but the impact goes far beyond the weekly shop.

Higher inflation can reduce the real value of cash, increase the income needed in retirement, and affect how pensions and investments should be positioned for the long term.

A strong financial plan should help your money do more than simply grow — it should help protect spending power, support future income needs and keep your finances aligned with your goals.

At ADNFC, our Chartered Financial Planners can review how your cash, pensions and investments are working together in the current environment.

📩 If your financial plan hasn’t been reviewed recently, speak to ADNFC.

The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and rules can change. This post is for general information only and does not constitute personal financial advice.

19/10/2026

Could you be missing part of your retirement savings?
Millions of pension pots are considered lost, often because people change jobs, move home or simply lose track of old workplace schemes. Even a relatively small forgotten pot can make a meaningful difference when it is brought into your wider retirement plan.
At ADNFC, our Chartered Financial Planners can help you review old and current pensions, understand how they fit together, and assess whether your retirement strategy is still on track.
📩 If you have pensions from previous employers or haven’t reviewed your retirement planning recently, speak to ADNFC.
The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and rules can change. This post is for general information only and does not constitute personal financial advice.

16/10/2026

Budget speculation is already moving markets — but that doesn’t mean your investment strategy should move with every headline.
With possible tax changes being discussed ahead of the 28 October Budget, some sectors may experience short-term volatility. The key is to focus on diversification, your time horizon and whether your portfolio still supports your long-term goals.
At ADNFC, our Chartered Financial Planners help clients look beyond market noise and keep their investments, pensions and wider financial plan working together.
📩 If you’d like to review your portfolio before the Budget, speak to ADNFC.
The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and rules can change. This post is for general information only and does not constitute personal financial advice.

14/10/2026

The State Pension is changing — but it should never be your whole retirement plan.

With the current triple lock due to remain in place until 2030, now is a good time to think about how much of your future income will come from the State Pension — and how much will need to come from private pensions, investments and other assets.

A strong retirement plan should bring everything together: income, tax, pensions, investments and the lifestyle you want to maintain.

At ADNFC, our Chartered Financial Planners help clients review the bigger picture and build a retirement strategy designed around their long-term goals.

📩 If you’re approaching retirement, or simply want to know whether you’re on track, speak to ADNFC about a retirement planning review.

The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and tax rules can change. This post is for general information only and does not constitute personal financial advice.

12/10/2026

The Autumn Budget is approaching — but good financial planning shouldn’t be driven by rumours.

With potential changes to tax, pensions and allowances under discussion, now is a sensible time to review your wider financial position rather than make rushed decisions.

That could include checking your ISA and pension allowances, planned disposals and Capital Gains Tax exposure, cash holdings, retirement strategy, estate planning and how personal and business wealth fit together.

At ADNFC, our Chartered Financial Planners take a joined-up approach to help ensure your investments, pensions, tax planning and long-term objectives continue to work together.

📩 If your financial plan hasn’t been reviewed recently, speak to ADNFC about a financial planning review.

The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and tax rules can change. This post is for general information only and does not constitute personal financial advice.

06/10/2026

Gilts are yielding 5%+ — but does that mean you should change your investment strategy?

Higher yields can create new opportunities, but the right decision depends on your wider financial plan, tax position, time horizon and long-term objectives.

At ADNFC, we look beyond the headline rate — bringing together investments, pensions, cash, tax planning and retirement strategy to help ensure your money is structured around your future.

📩 If your investments or pension haven’t been reviewed recently, speak to our Chartered Financial Planners.

The value of investments can fall as well as rise and you may get back less than you invest. Tax treatment depends on individual circumstances and tax rules can change.

22/09/2026

Markets can change direction quickly — but your long-term goals usually don’t.

After recent volatility, markets bounced as oil prices eased and bond yields moved lower. It’s a useful reminder that one good market day doesn’t make a strategy.

For investors, business owners and those approaching retirement, now is a good time to review whether your portfolio, cash reserves and overall financial plan are still aligned with your goals.

Speak to ADNFC Wealth Management about a joined-up financial planning review.

18/09/2026

Rates are on hold, inflation is rising, and pension rules are changing.

For investors and families with significant pension wealth, that means one thing: your financial plan needs to keep up with the world around you.

From market volatility to the 2027 pension IHT changes, now is a good time to review how your investments, retirement strategy, tax planning and estate planning work together.

Speak to ADNFC Wealth Management about a joined-up financial planning review.

Address

Unit C, Ryedale House, Picadilly
York
YO19NX

Opening Hours

Monday	8am - 6pm
Tuesday	8am - 6pm
Wednesday	8am - 6pm
Thursday	8am - 6pm
Friday	8am - 6pm
Saturday	8am - 12pm

Website

https://www.adnfc.com/, https://www.adnfcwealth.com/

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