Why Us

Our Secret To Financial Planning Success

We look to build long-term relationships with our clients to help them create a financial plan that can support their goals over time. As years pass our circumstances change, we may marry (or divorce), start a family, change job, or go back to college. By continuing to review our clients’ plans & investments and giving our clients advice on their finances over time, we want to ensure that their plans will continue to meet their needs.

Where necessary we can work alongside other professionals to support you, including accountants, solicitors & investment managers, to ensure that you receive professional advice and quality service.

The majority of our clients come from professional connections and referrals from existing client, and we are very aware that only by continuing to look after the financial planning needs or our clients will we be able to grow and sustain our business, which is why we strive to provide a first class service to everyone.

We offer a first meeting with you under no obligation and at no charge, to discuss your goals & objectives.

James Irvine is not authorised to give financial planning advice but can refer any queries of this nature to a financial adviser within Quilter Financial Planning Solutions Limited.

Contact: jamesirvine@positivemortgages.co.uk

Our mission across Positive Solutions is to use our knowledge and skills to provide you with unbiased financial advice, so that you can face the future with confidence. We can help you formulate financial plans and strategies, and we work with you to implement the changes required to develop, manage and protect your wealth.

Our commitment is always to listen and evaluate what's important to you. Recent research by the International Longevity Centre and Royal London highlights the benefit of Whole of Market advice when taking major financial decisions: it demonstrated that those who receive financial advice are, on average, £40,000 better off than those who don’t.

Getting a good mortgage deal, receiving appropriate pension advice, coping with financial shocks or investing wisely for the future are all services we offer. Each decision can have a major impact on your future wealth, yet these vital decisions can be confusing, stressful and time consuming without expert guidance and support.

Working with us means that you’ll always benefit from informed advice, backed up by years of practical experience.

As Whole of Market advisers FPU Financial Services, as a Trading Style of Quilter Financial Planning Solutions Limited, are able to select product for customers from the entire market.

To ensure you get the best product your financial adviser will collect certain details about you and your circumstances. Please be as open and honest as you can, because the adviser’s recommendation will be based on the information you provide.

The Financial Conduct Authority is the independent watchdog that regulates all financial and insurance firms – this ranges from the largest multinational bank, to the sole trader. When an adviser is discussing a regulated product (including investments or insurance) you are protected by the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme (FSCS). When dealing with some unregulated products, you may not have the added protection of the FOS or FSCS but your adviser will explain to you that you are receiving advice on an unregulated product, when appropriate as Quilter Financial Planning Solutions Limited can give advice on products that are not regulated by FCA – such as general taxation.

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.



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, Positive Mortgages and Positive Solutions are trading styles 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 financial adviser within Quilter Financial Planning Solutions Limited.

Quilter Financial Planning Solutions Limited is authorised and regulated by the Financial Conduct Authority.

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.