Personal Health Care Management

Personal Financial Management: Your Trusted Mortgage Partner

Unleashing 30+ Years of Expertise in Mortgage Solutions

We are committed in helping you find the right mortgage

At Personal Financial Management, we understand that finding the right mortgage is more than a financial decision—it’s a milestone. With over three decades of dedicated service, we are a family-run business committed to guiding you through the intricate world of mortgages.

Why Choose Personal Financial Management?

  • Family Values, Professional Expertise

As a family-run business, we bring a personal touch to your financial journey. Our values are rooted in trust, integrity, and the commitment to put your family’s needs first.

  • Your Mortgage, Your Choice

We are proud to be a whole-of-market mortgage broker. This means we aren’t tied to any specific lender, allowing us to explore a vast array of options to find the mortgage that aligns perfectly with your unique needs and goals.

  • FCA Regulated for Your Peace of Mind

Your financial security is paramount. Rest assured, Personal Financial Management is regulated by the Financial Conduct Authority (FCA), demonstrating our unwavering commitment to transparency and compliance with the highest industry standards.

Tailored Solutions for Your Unique Needs

Our Mortgage broker service helps by crawling through the market to find you the best rates and solutions. To speak to one of our advisors call us today on 01829 781 920.

What services do we offer?

Whether you’re a first-time buyer, looking to remortgage, or considering buy-to-let options, our experienced team is here to simplify the process. We offer:

  • Comprehensive Market Analysis:

Benefit from our in-depth market knowledge to identify the most competitive mortgage rates tailored to your circumstances.

  • Personalized Guidance:

Navigate the complexities of mortgage applications with confidence. Our experts provide step-by-step guidance to ensure a smooth and stress-free experience.

  • Ongoing Support:

Your journey with Personal Financial Management doesn’t end at securing a mortgage. We’re here for the long haul, offering continued support and advice throughout the life of your mortgage.

At Personal Financial Management, we don’t just offer mortgages; we pave the way to your homeownership dreams. Discover the difference of working with a trusted, family-oriented team with a proven track record.

Ready to embark on your mortgage journey? Contact us today, and let’s turn your homeownership dreams into reality!

Contact Us

Mortgage interest rates are influenced by various factors, including the economy, inflation, and your credit score.

To secure the best rate, maintain a good credit score, shop around for lenders, consider a shorter loan term, and be prepared for a down payment.

Deposit requirements vary, but traditionally range from 10% to 20% of the home’s purchase price. Some assistance programs, especially for first-time homebuyers, may offer reduced deposit options.

It’s advisable to explore these programs and work with your mortgage advisor to find the best solution for your situation.

Common documents include proof of income, tax returns, employment verification, and information about your assets and debts.

The approval process duration varies but usually takes a few weeks. Being organised and promptly providing required documents can expedite the process.

A fixed-rate mortgage has a stable interest rate throughout the loan term, while a tracker product may change over time depending on the bank of England Base Rate.

Choosing depends on your financial goals and risk tolerance. If you prefer stability, a fixed-rate mortgage is ideal. If you anticipate changes in interest rates, a tracker might offer initial savings.

Mortgage pre-approval involves a lender assessing your financial situation to determine the loan amount you qualify for.

While not mandatory, pre-approval gives you a clear budget for house hunting and enhances your negotiating power with sellers.

Yes, you can refinance your mortgage to secure a lower interest rate, change your loan term, or tap into your home’s equity.

The right time to refinance depends on market conditions, your financial goals, and how long you plan to stay in your home.

Consult with your mortgage advisor to assess if refinancing aligns with your objectives.

We continuously compare all rates and products offered by Mortgage providers

With over 30 years of industry experience, we guarantee we'll find the best Mortgage solutions for your business

It's easy to understand

We have refined our process to make things as simple as possible



Our aim in this step is to understand your financial profile comprehensively, enabling us to provide guidance on mortgage products that align with your homeownership aspirations.



Pre-qualification empowers you with an early understanding of your potential loan amount, enabling you to set realistic expectations and confidently embark on your home search.


Loan Shopping
and Application:

We secure the best mortgage terms and rates tailored to your financial profile. Our role is to simplify the application process, providing expertise and support every step of the way.


Loan Processing
and Completion:

The final step is the completion, where your homeownership dream becomes a reality. We ensures a smooth process, collaborating with all stakeholders to complete your home purchase.



Providing you with independent and unbiased advice for all your personal financial needs.

We have been working hard on presenting our customers with the best mortgages from the best providers to fit their personal financial needs, finding the best rates and creating a smooth and stress free journey from consultation all the way through to completion.


Find the most suitable lender

Whether you’re looking for a new mortgage or re-mortgage, our in depth search will ensure your mortgage is placed with the most suitable lender.


Experienced Consultants

We are experts in the finer details of borrowing. We’ll advise on the best options for you.


Full re-mortgage reviews

Once we have completed a mortgage on your behalf, we will automatically look at new options for you when your fixed period comes to an end.