Partnership Approach

We tailor recommendations to suit your individual requirements.

Tel: 0141 954 3751

A “one-stop” solution for all your financial needs.

Partnership Approach

Before you buy any financial product we make sure;
You understand, want and can afford it.

Initial Meeting

An initial meeting with an experienced adviser, will capture a “Financial Picture” of your current financial position.

We consider an overall strategy for your financial needs and objectives, taking into account your short, medium and long terms plans.

High Level / Touch

You want to fully “engage” with us for all your financial/lifestyle needs.

Low Level / Touch

You require us to monitor your financial planning in a non intensive way. To optimise value for money from the services we provide.

Pay as You Go

You want us to provide advice for a specific current or anticipated future need.



“Home is where the heart is?”

After getting to know you and finding out what’s most important to you, our advisers will:

  • Identify the best mortgage deal from the whole of the market.
  • Make sure your home is secure in any eventuality
  • Deal with all the other parties involved, Estate Agents, Solicitors, Lenders, Surveyors etc.

Give us a call and let us help you
Get the home to put your heart in!!

Our home is our sanctuary, where we go after a long hard day at work, where we go to be with our families or to get some time on our own. It can be peaceful, noisy, large or small but the most important word to describe it is “mine”.  For this reason, buying a home has often been quoted as one of the most stressful actions we take in our life, more stressful than starting a new job, getting married or having children.

Why then would you undertake this life changing process without the right help? At Personal Investment Planning, our advisers understand the emotions involved and the potential stresses, which is why our experience, knowledge, compassion and contacts mean that we can take the stress out of buying a property, leaving you free to concentrate on the important business of making a house your home!!

Use our Mortgage tool to get an idea of what mortgages are on offer.  Contact us for a detailed recommendation based on your individual requirements.

There are several different kinds of mortgage on offer.

Fixed rate mortgages charge a fixed rate of interest for a set period of time, giving peace of mind that if interest rates increase, your mortgage payments won't change. 
Tracker mortgages are directly linked to a specified base rate which can fluctuate. This means your payments could go up or down.

Early repayment charge (ERC) - You will usually be charged a penalty if you want to get out of the mortgage during the fixed term.

You also need to consider arrangemet fees, early redemption penalties, offsetting, valuation and legal fees plus ensuring you meet the Lenders criteria which varies greatly.  This is why you should seek advice to find the best solution, which is not always the lowest rate.

Your home is at risk if you do not keep up repayments on a mortgage or other loans secured on it.

“Is your home working for you?”

For most of us, our homes are the largest purchase we’ll ever make.  No wonder then that it makes sense to ensure that your home is working financially for you as best as it can. Therefore just like everything else we do in life it’s important to review your mortgage regularly to ensure that you have the best arrangements in place. We also advise on using your home as an asset to release money to improve your home, repay debts, start up your own business or help fund your retirement. In fact as one of the few advisers qualified and experienced in offering Equity Release/Lifetime Mortgages we can fully explain the benefits and implications of releasing funds from your home to fund your later life needs.


“Buy to Let Investment”

Low interest rates on savings and mortgages are encouraging investors to include property in their investment choices. The rental market is booming in the UK, and buy to let remains a viable investment opportunity but the volatile property market means that more than ever expert advice is needed to navigate through this potentially lucrative investment area.

Your home is at risk if you do not keep up repayments on a mortgage or other loans secured on it.