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Let us find you the right mortgage!

We have access to whole of market deals, PLUS exclusive mortgage deals that are not available on the High Street via Positive Solutions (Financial Services) Ltd.

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 has 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 will refer any financial planning queries to a financial adviser within Positive Solutions (Financial Services) Limited.

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? We can help you obtain the best mortgage in every instance; reflecting your personal circumstances, time frame and attitude to risk.

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? You need savings to cover any short-term needs, but investments can provide potentially higher returns over a longer time frame. You can benefit from our informed advice, helping you choose the best product and provider to meet your own circumstances and needs.

Life Assurance
How much cash would your family need if you were to die prematurely? Taking out life cover protects your family at the most difficult time. We can advise on 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? Almost certainly – and income protection through Family Income Benefit or Critical Illness Insurance is an issue everyone should consider in their financial planning.

Retirement Planning
Everyone looks 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 we can provide personalised advice from across the entire market.

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 followed and you can plan provision to 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

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 Positive Solutions (Financial Services) Ltd.

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.

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.

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