Welcome to Penn Financial
Mortgages | Protections | Life Insurance | Buildings and Contents Insurance
In challenging times you need guidance you can trust. You are at the right place if you are looking for individual solutions built around your personal financial circumstances.
At Penn Financial we are dedicated to providing you with the highest level of service and utmost personal attention.
We have access to products across the market.
Penn Financial is part of Penn Group of Companies and that means you have access to other specialist professional services under one roof: advisors in law, accountancy and technology.
Only Penn Financial is regulated by the FCA.
We challenge you to challenge us at no cost to you.
Times are hard for many and we are all seeking ways to save our hard-earned cash where we can.
With Penn Financial you have access to products across the market
We specialise in mortgages, life insurance, income protection and general insurance.
We especially help you when you are at important milestones in your life and guide you on that perilous journey so that you can make sound financial decisions for your family and your future.
We want to build a long-term relationship with you that endures. We want to find bespoke solutions to your financial needs. We do not do "one size fits all" or "pile it high, sell it cheap" solutions for any of our clients. This is our way.
This is also the Penn Group way. Penn Group of Companies is a group of professional services companies under one roof that allows us to help you in a strategic and holistic way, enabling you to create long-term solutions to complex problems that involve law, financial services and tax.
We literally scour the market, looking for best deals that we can find to meet your needs and that, importantly, you meet the lending criteria for. Not all lenders are the same and we navigate all their terms to ensure that the solutions we propose fit your needs.
Why would you need expert advice to get a simple policy of say, building and contents insurance? The answer lies in the hidden complexity of definitions for starters. Is a watch a valuable or a possession or both, and so on. Get this wrong and you may not be insured.
Why use a Mortgage Broker?
There are many benefits to using a professional mortgage broker for your next mortgage deal:
Market Knowledge: completing mortgage applications is our day job - we know where to look to source you the most suitable deals.
Often headline rates are not much more than that - a headline - those super amazing rates are not always available to all.
Did you know that lenders have their own lending criteria and different definitions? Even simple words like "first-time buyer" mean different things to different lenders. We make sure that we check their criteria to make sure you meet their specific criteria to ensure that your application is processed as swiftly and as pain-free as possible.
We have access to products you may not be aware of and steer you away from products that look great on the surface but do not represent fair value for money when looking at the small print.
We are fully qualified and regulated and are loyal to you and alone. We look after your best interests and not that of the lender.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE.
Why use a Protections Advisor?
We know the insurance market inside and out
Our Protections Advisor will work with you to understand your lifestyle, aspirations and financial goals - understanding where you are now and where you want to be.
Then and only then, your advisor will find and recommend the best protections product for you.
There are so many nuanced differences in Protections products, even the definition of say a critical illness varies from insurer to insurer.
Navigating that process with you is what we do best. We then report to you comprehensively and explain all the key features before we submit an application for you.
Useful information and all you need to know about mortgages, protections and insurance.