We believe that everyone should have access to expert Mortgage Advice and Financial Planning to help you achieve your financial goals, today, tomorrow and for the future.
Concept Financial Services provides expert wealth, mortgage, protection and insurance advice. Concept Financial Services is not a business in it’s own right, it is a trading name of Delphic Financial Planning Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.
We believe that everyone should have access to expert Mortgage Advice and Financial Planning to help you achieve your financial goals, today, tomorrow and for the future.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
Your mortgage search starts here. Unlike other brokers we have experts looking after specific areas of the mortgage market. So whether you are a first time buyer, a home mover or looking to remortgage or you may be looking for the best home for your buy-to-let mortgage, let Concept Financial Services do the heavy lifting. We literally search 1,000’s of mortgage options so you don’t have to.
Looking to enjoy life more and leave the managing of your money safely to an expert? Concept Financial Services can provide the solution that may be right for you. Your investments are backed by our latest technical, investment and research knowledge, so you can rest assured that your money, and your future is in experienced hands.
Chief Executive Officer
& Financial Adviser
We believe that Retirement planning starts today and should never be put off until ‘tomorrow’. So whether you are looking to fine tune your current pension funds or want to make a start planning your future. Concept Financial Services’ experts will provide a complete review and recommend a tailored solution.
Keeping you and your family safe is your number one priority and here at Concept Financial Services it is ours too. We work with you to secure your financial needs should the unexpected happen. We have access to an extensive panel of providers. Don’t chance it to a meerkat or an opera singer, let our seasoned professionals give you their expert advice today.
*Your property may be repossessed if you do not keep up repayments on your mortgage*
We want to help make your home buying dreams come true.
Your Concept Financial Services Mortgage Adviser will cut through the jargon, explain the different types of products available and help tailor your mortgage to your personal needs.
Just using your Concept Financial Services Mortgage Adviser alone will improve your chances of obtaining a mortgage rather than using a price comparison site.
This is predominantly because price comparison sites don’t collect enough information about your circumstances to match you to a suitable product.
We can shop around for you, negotiate better deals, recommend the right insurance tailored to your mortgage and offer bespoke advice – even if you’ve been refused for a mortgage in the past. We can also avoid unnecessary marks on your credit report by making sure your mortgage is matched with the right lender in the first instance.
As your Concept Financial Services Mortgage Adviser, we will save you time and money. Approaching one bank can be time consuming, and limit the options available to you. Your adviser will have a panel of different lenders. Therefore, you will have more options to choose from.
A bank will simply match you with the products they have in-house, and if you don’t meet their criteria, you’ll just get a ‘no.’ We believe in finding you your ‘YES,’ and will source you a deal that’s right for you from our panel.
We will do all the hard paperwork so you don’t have to and can focus on the more exciting things – like choosing the sofa!
A bank will not necessarily help you make an informed choice – your Concept Financial Services Mortgage Adviser will not only be there to help you with this but guide you through the whole process till you get the keys to your home.
Yes, potentially your Concept Financial Services Mortgage Adviser will have access to exclusive deals that you won’t necessarily get by going directly to a bank.
You can call the office on 01902 851700 to arrange an appointment to speak with an adviser.
Appointments are flexible and can be face-to-face, telephone or video meeting. We’re adaptable to your schedule.
Alternatively, you can email us on mortgages@conceptfs.co.uk and start your journey with us today.
If you were recommended to us by friends and family, don’t forget to mention them to us when you get in touch.
CFS Equity Release our dedicated in-house team will provide you all the information you need to make an informed choice when you are considering later life funds.
Use these Tax Free Funds for:
A Lifetime Mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release. The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing. Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.
I joined CFS Wills in 2020 after looking for a career change in which I could make a difference. Working with Paul again was a big factor with us initially working together over 30 years ago at Barclays Bank. We always stayed friends, and when the opportunity came to join CFS Wills I jumped at the chance. Having spent over 25 years in the motor trade and running car dealerships for over 10 years, I needed to do something different that would utilise many of the Skills and experiences I have developed over the years dealing with both private individuals and businesses. I wanted a career change that would not only be rewarding for me but be able to make a difference to peoples lives. Helping people put their affairs in order by simply completing a Will or Lasting Powers of attorney is for many quite cathartic. For most people, their Will is not very high on their wish list, yet everyone knows they should have one. For many, when they finally arrange their Will, you can see the relief in their faces.
Personally, I am married with two grown up children, but am now the proud owner of a dog (Springer-poo called Albi) for the first time in 30 years. To say he has taken over the house would be an understatement with almost everything revolving around him. We now all enjoy long walks and holidays near the beach for the dog. If Albi is happy, so are we!
Qualifications
ACIB- Associate of the Chartered institute of Bankers
MSWW- Member of the Society of Will writers
