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Whole of Market Mortgage Brokers

Exclusive mortgage deals via the Quilter Financial Planning network

We have access to whole of market deals, PLUS exclusive mortgage deals that are not available on the High Street via the Quilter Financial Planning network.

About us

Financial Planning Union are a trading style of Quilter Financial Planning Solutions Limited, who are authorised and regulated by the Financial Conduct Authority. We have been trading for more than 20 years and the main office is based in Newcastle upon Tyne.

Our mortgage broker in the Perth (UK) area is James Irvine, who can offer advice on mortgages and insurance and refer any financial planning queries to a financial adviser within Quilter Financial Planning network.

James Irvine – Mortgage Broker

James has more than 35 years’ experience in the industry and can offer comprehensive mortgage and protection planning to clients in the Perth (UK) area.

Financial Planning Union can assist you with:

Mortgages

Do you want to reduce your current mortgage outlays? Or are you moving home or buying for the first time? Obtaining the right mortgage that reflects your personal circumstances, time frame and attitude to risk is important to us.

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

Investments/Regular Savings

Do you make the best use of any spare capital or surplus income? Savings can cover any short-term needs, but investments can provide potentially higher returns over a longer time frame.  Choosing the right product and provider to meet your own circumstances and needs is important.

Life Assurance

Do you know how much cash would your family need if you were to die prematurely? Taking out life cover can protect your family at the most difficult time. Have you thought about a cost-effective form of protection, whether that’s using Level Term Assurance or Decreasing Term Assurance?

Income Protection

Would you require a regular income or a cash lump sum if you suffered a serious illness or disability?  Income protection plans e.g Family Income Benefit or Critical Illness Insurance is something everyone should consider in their financial planning.

Retirement Planning

Everyone wants to look forward to a long and happy retirement, but that needs planning and preparation. When do you want to retire? How much income will you need?

The earlier you start to plan, the better the outcome you’re likely to achieve. Whether you want to set up a pension, combine several funds into one or consider additional voluntary contributions as you near retirement, there are many options available to match your circumstances. 

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.

Trusts & Estate Planning

Having made a will you can be confident that your wishes will be known and followed. Making provision can minimise any Inheritance Tax, if applicable, that is due on your death?

Estate Planning and Trusts are not regulated by the Financial Conduct Authority, therefore please ask your adviser for our separate terms of business for this type of advice.

Careers

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

Contact: jamesirvine@positivemortgages.co.uk

In the first instance in the event of any complaints please contact James Irvine on the form above. For more information about our complaints policy please visit.

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.

 

DISCLAIMER

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

Financial Planning Union is a trading style of Quilter Financial Planning Solutions Limited which is authorised and regulated by the
Financial Conduct Authority.

James Irvine is not authorised to give financial planning advice but could refer any queries to a suitably qualified financial adviser
within the Quilter Financial Planning network.

Quilter Financial Planning Solutions Limited is registered as a Limited Company in England and Wales No. 3276760. Quilter Financial Planning, Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY.

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