Business Details
Your Trusted Mortgage Advisers in Widnes & UK-Wide
Established as a trusted authority in mortgage advisory services, FPM Advice Centre has built a reputation for delivering independent, client-focused solutions across the UK. With decades of combined experience, our FCA-authorised team specialises in navigating the complexities of the mortgage market to secure tailored financial products for first-time buyers, property investors, and retirees. Our commitment to whole-of-market access ensures clients benefit from competitive rates and specialist deals, while our local knowledge in the North West complements a national service reach.We prioritise transparency, offering clear guidance free from jargon, supported by hassle-free end-to-end administrative support. Our track record of repeat business and referrals underscores our dedication to exceptional client care, reinforced by secure digital consultations and in-person appointments. As an FCA-regulated entity, we uphold the highest standards of professionalism, ensuring every client interaction aligns with rigorous compliance frameworks.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Remortgaging
Equity Release
Lifetime Mortgages
Later Life Mortgages
New Build Mortgages
Holiday Let Mortgages
Home Mover Mortgages
Retirement Interest-Only Mortgages
Highlights and features
- Decades of combined experience in mortgage advisory services
- FCA-authorised experts ensuring regulatory compliance
- Truly independent advice with no lender ties
- Whole-of-market access to competitive mortgage deals
- Hassle-free end-to-end support from application to completion
Associations and certifications
- Financial Conduct Authority
What people say
Outstanding personal service
Professionalism
Trust advice
Quick response
Stress-free reassurance
Services
Remortgaging
Remortgaging allows homeowners to secure better rates, reduce monthly payments, or release equity tied in their property. Our FCA-authorised advisors compare exclusive deals across the market to find tailored solutions. We manage the entire process, from initial review to completion, ensuring maximum savings and financial flexibility for clients.
Equity Release
Equity release enables homeowners aged 55+ to unlock tax-free cash from their property without moving out. We specialise in Lifetime Mortgages and Retirement Interest-Only products, providing clear guidance on inheritance implications and alternative options. Our step-by-step support ensures informed decisions aligned with long-term financial goals.
First Time Buyer Mortgages
Tailored support for first-time buyers navigating mortgage options, including government schemes and deposit requirements. We simplify complex processes with plain-English explanations and access to competitive rates. Our guidance covers affordability assessments, conveyancing coordination, and final mortgage offer acquisition.
Buy to Let Mortgages
Specialist advice for property investors seeking competitive buy-to-let mortgage deals across the UK. We assess portfolio growth strategies, rental income calculations, and tax implications. Our market access includes products specifically designed for both novice and experienced landlords seeking optimal investment returns.
Later Life Mortgages
Designed for over-55s, these mortgages offer flexible borrowing options without early repayment charges. We provide expert guidance on Retirement Interest-Only and Lifetime Mortgage products, ensuring clients understand eligibility criteria, interest rate implications, and estate planning considerations.
Questions
What mortgage services do you specialise in?
We offer first-time buyer mortgages, buy-to-let financing, remortgaging, equity release, later-life mortgages, and new build property solutions across the UK.
Are your advisors FCA-authorised?
Yes, all our mortgage advisors are fully FCA-authorised and regulated, ensuring compliance with strict financial conduct standards.
Can I get mortgage advice outside the North West?
We provide nationwide mortgage advice across England and Wales through secure video consultations and regional in-person meetings.
How does equity release affect inheritance?
Equity release reduces the estate's value available to heirs. We explain inheritance protection options during our comprehensive suitability assessments.
What identification is needed for mortgage applications?
Standard requirements include photo ID, recent bank statements, proof of income, and property ownership documentation verified by our advisors.
Do you charge fees for mortgage advice?
Our initial consultation is free. We disclose all fees upfront, with no hidden charges for mortgage arrangement or application support services.
Reviews (2)
Vicky Woof
May 09, 2021
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As first time buyers we did not know what to expect from the process. Mark our broker was fantastic all the way through. He took care to explain everything to us thoroughly and was extremely responsive when we had questions or concerns. The mortgage application, life insurance and buildings/contents insurance was all done by Mark efficiently. We couldn't have been more pleased with Mark's help and support. We would 100% recommend Mark and FPM Advice Centre and we will definitely be using their services again.
Chris Sallaway
Mar 23, 2021
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I highly recommend FPM Advice Centre Ltd for considered, friendly, professional and great financial advice. Mark really listens to personal situations and tailors advice accordingly. You can tell he genuinely cares about his clients. Thank you.
