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Independent Mortgage Brokers

About us

Financial Planning Union are a trading style of Positive Solutions (Financial Services) Limited who are authorised and regulated by the Financial Conduct Authority. Positive Solutions have been trading for over 20 years and their main office is based in Newcastle upon Tyne. Our mortgage broker, James Irvine who is based in the Perth (UK) area can offer advice on mortgages and insurance. James can refer any financial planning queries to a financial adviser within Positive Solutions (Financial Services) limited.

 

James Irvine – Mortgage Broker

Working as a mortgage broker with Positive Solutions (Financial Services) Limited t/a Financial Planning Union, I have over 35 years’ experience in the industry and can advise on mortgages and protection. I’m based in the Perth (UK) area and offer comprehensive mortgage and protection planning. I’m not authorised to provide financial planning advice however I can refer any pension and investment query to a financial adviser within Positive Solutions (Financial Services) Limited.

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Retirement Planning
When do you want to retire? How much income will you need?

Life Assurance
How much cash would your family need if you were to die prematurely?

Income Protection
Would you require a regular income or a cash sum if you suffered a serious illness or disability?

Investments/Regular Savings
Are you making the best use of any spare capital or surplus income?

Mortgages
Do you want to reduce your current mortgage outlays or are you moving home?

Trusts & Estate Planning
Have you made a will, and if applicable made provision to minimise any Inheritance Tax due on your death? Estate Planning and trusts are not regulated by the Financial Conduct Authority - please ask your adviser for a separate terms of business.

Careers
Ever considered a career in financial services, please contact FPU Financial Services for more information.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Tax Planning, Commercial & Agricultural mortgages and Buy to let mortgages are not regulated by the Financial Conduct Authority.

Financial Planning Union is a Trading Style of Positive Solutions (Financial Services) Ltd. Positive Solutions (Financial Services) Ltd is authorised and regulated by the Financial Conduct Authority.
Registered as a Limited Company in England and Wales No. 3276760. Positive Solutions, Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY.

James Irvine is not authorised to give financial planning advice but could refer any queries to a financial adviser within Positive Solutions (Financial Services) Limited.

Contact: jamesirvine@positivemortgages.co.uk

 

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.