Sanger Financial Services Ltd

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Sanger Financial Services Ltd

Mortgages
Life and Critical Illness Cover
Income Protection
Business Protection
Family Income Benefit
Home Insurance Our initial mortgage consultation is free.

With over 25 years’ experience in financial services, I will be able to guide you through the whole mortgage process. Whether you are a First time buyer, moving home or have come to the end of your current mortgage deal; I can search through a comprehensive list of mortgage lenders and over a 1,000 mortgage products to ensure you get the best deal possible. We will charge a fee up to £795 on mortg

age application. The amount we will charge is dependent on the amount of research and administration required. After an initial 10 minute chat over the phone, I will be able to give you an idea of costs. If we agree that it will be beneficial for you to proceed, I will be happy to travel to you to go through an in depth meeting including full advice and recommendations. I am based in York but travel to all areas in England and Wales. Richard Sanger t/a Sanger Financial Services is an appointed representative of First Complete which is authorised and regulated by the Financial Conduct Authority for Mortgages and non-investment advice only. Your home may be repossessed if you do not keep up to repayments on your mortgage.

26/08/2026

What is it Wednesday? 💚

This week: SVR — Standard Variable Rate.

An SVR is usually a lender’s standard mortgage interest rate, which you may move onto when your current mortgage deal ends. Unlike a fixed rate, it can change, meaning your monthly payments could go up or down.

If your current deal is coming to an end, it may be worth reviewing your options before automatically moving onto the SVR.

📞 07825 339558
🌐 www.sangerfs.co.uk

Get in touch for a friendly, no-obligation chat.

Your home may be repossessed if you do not keep up repayments on your mortgage. Terms, conditions and lender criteria apply.

21/08/2026

🐶 Friday Fun Fact!

A group of dogs is called a pack… and a group of mortgage advisers? We like to call that a dream team! 😄🏡

Whether you’re buying, moving or remortgaging, we’re here to help you find the right mortgage for your circumstances — no chasing your tail required.
📞 07825 339558
🌐 www.sangerfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Terms, conditions and lender criteria apply.

19/08/2026

What Is It Wednesday? 💚

This week: Business Protection

Business Protection is designed to help protect a business if a key person, director, shareholder or business owner becomes seriously ill or passes away.

It can help provide financial support at a difficult time and may help with things such as business loans, ongoing costs, loss of profits, replacing a key employee, or helping the remaining owners keep control of the business.

For business owners, it’s not just about protecting income — it’s about protecting the people, plans and hard work behind the business.
The right cover will depend on the structure of the business, the people involved, existing arrangements, budget and the level and type of cover chosen. Terms, conditions, exclusions and definitions apply.

If you’d like to understand how Business Protection works and whether it may be suitable for you and your business, message us or call 07825 339558 for a friendly, no-obligation chat.

15/08/2026

🤔 Would you rather…

🏡 Never have a mortgage
or
📶 Never have Wi-Fi?

This one should be easy… although losing Wi-Fi might cause a full family rebellion! 😂

Tell us your choice in the comments — mortgage-free or Wi-Fi?

📞 07825 339558
🌐 www.sangerfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Terms, conditions and lender criteria apply.

12/08/2026

What Is It Wednesday? 💚

This week: Life Cover

Life Cover is a type of insurance designed to pay out if you pass away during the policy term.

It can help provide financial support for the people who depend on you and may be used towards things such as mortgage or rent payments, household bills, childcare, education costs, or other financial commitments.

For many families, Life Cover is about helping protect loved ones at a time when they may need support most.

The right cover will depend on your personal circumstances, budget, family needs, health, and the type and length of policy chosen. Terms, conditions, exclusions and definitions apply.

If you’d like to understand how Life Cover works and whether it may be suitable for you, message us or call 07825 339558 for a friendly, no-obligation chat.

Sanger Financial Services 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.

07/08/2026

Fun Fact Friday

🏡 Fun Fact Friday!

We spend a huge amount of our lives at home — making memories, drinking tea and wondering where on earth the remote has disappeared to… again. ☕📺

What’s your favourite thing about being at home?

Whether you’re buying, moving or remortgaging, we’re here for a friendly, no-obligation chat.

📞 07825 339558
🌐 www.sangerfs.co.uk

Your home may be repossessed if you do not keep up repayments on your mortgage. Terms, conditions and lender criteria apply.

05/08/2026

What Is It Wednesday? 💚

This week: Critical Illness Cover

Critical Illness Cover is designed to pay a lump sum if you’re diagnosed with a specified serious illness covered by the policy.

It’s there to help give financial breathing space at a difficult time and could be used towards things like:
mortgage or rent payments
household bills
childcare costs
time away from work
making adjustments at home if needed

For many people, it’s about protecting the people and plans that matter most.
The right policy will depend on your personal circumstances. Terms, conditions, exclusions and definitions apply, and different insurers cover different conditions.

If you’d like to understand how Critical Illness Cover works and whether it may be suitable for you, feel free to message us or call 07825 339558 for a friendly, no-obligation chat.

Sanger Financial Services 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.

01/08/2026

🏡 Mortgage Myth: You always need a 20% deposit to buy a home.

Myth!

Some mortgage options may be available with a smaller deposit, depending on your circumstances, affordability and the lender’s criteria.
Every situation is different, so it’s worth understanding what options may be available to you rather than ruling yourself out too soon.

Tag someone who needs to hear this 💚

📞 07825 339558
🌐 www.sangerfs.co.uk

Subject to status, affordability and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage.

29/07/2026

What Is It Wednesday? 💚

This week: Family Income Benefit

Family Income Benefit is a type of life insurance designed to pay a regular income to your loved ones if you pass away during the policy term.

Instead of paying one lump sum, it can provide ongoing monthly or annual payments, which may help your family keep up with everyday costs such as household bills, childcare, mortgage or rent payments.

It can be a useful option for families who want to help protect their regular income and provide financial support for those left behind.

The right cover will depend on your personal circumstances, budget, family needs and the level and length of cover chosen.

Terms, conditions, exclusions and definitions apply.

If you’d like to understand how Family Income Benefit works and whether it may be suitable for you, message us or call 07825 339558 for a friendly, no-obligation chat.

Sanger Financial Services 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

25/07/2026

🏡 Dream Home Edition: bigger kitchen or bigger garden?

Are you choosing space for family dinners and endless cups of coffee ☕… or somewhere for summer evenings, barbecues and a bit of peace and quiet? 🌿

Tell us your choice in the comments:

💙 Bigger kitchen
💚 Bigger garden

There’s no wrong answer… although we suspect this one could divide households! 😄

Address

Hallcroft Lane
York
YO233UQ

Telephone

+447825339558

Website

http://www.sangerfs.co.uk/

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