Business Details
Trusted Mortgage Brokers in Mold
UKI Financial Planning is an established mortgage and insurance brokerage serving Cheshire, North Wales, Staffordshire, and the Wirral. Our team of dedicated, experienced advisers operates across these regions, offering personalized consultations and home visits to meet client needs. As an independent service, we are not tied to any lender or insurer, ensuring unbiased advice to secure competitive mortgage and insurance deals tailored to individual circumstances. With over a century of combined expertise, we prioritize client satisfaction through transparent processes, no upfront fees, and a commitment to finding the most suitable financial solutions. Our services span first-time buyer mortgages, remortgaging, buy-to-let investments, equity release, and comprehensive insurance products, including mortgage protection, income cover, and critical illness policies.Recognized for our local market knowledge and fast-track application processes, we serve clients in Mold, Chester, Tarporley, and Nantwich. Our advisors, including qualified professionals like Mark O'Brien, Ross Collinson, and Steve Farr, deliver expert guidance grounded in deep industry experience. We maintain strong regulatory compliance as an appointed representative of Sesame Ltd, authorized by the Financial Conduct Authority. Client testimonials highlight our professionalism, hassle-free service, and ability to secure favorable deals, including specialized support for self-employed individuals and complex credit histories. Our mission remains to provide trustworthy, client-centric financial solutions backed by decades of expertise and a dedication to long-term client relationships.
Services
First Time Buyer Mortgages
Remortgaging Services
Buy-to-Let Investments
Equity Release Schemes
Mortgage Protection Insurance
Income Protection Plans
Critical Illness Cover
Life Insurance Policies
Highlights and features
- We offer independent, unbiased mortgage advice across 100+ lenders.
- Our team has over 100 years of combined experience in financial services.
- We provide transparent pricing with no hidden fees or upfront charges.
- Our local expertise covers Cheshire, North Wales, and the Wirral markets.
- We manage applications from start to finish with personalized support.
Associations and certifications
- Financial Conduct Authority
What people say
Fantastic 2 Year Fixed rate
Saved us 1,000s
Free valuation
Knowledgeable staff
Hassle-free process
Services
First Time Buyer Mortgages
We specialize in helping first-time buyers navigate the mortgage process with expert guidance on government schemes, deposit requirements, and competitive fixed/variable rate deals. Our advisors ensure access to exclusive market rates while explaining all associated costs and eligibility criteria. With tailored support from application to completion, we simplify homeownership for new buyers across Cheshire and North Wales.
Remortgaging Services
Our remortgaging service helps homeowners secure better rates, release equity, or change lenders without property sale. We analyze current deals, compare market options, and handle all administrative processes. Clients benefit from our lender relationships to negotiate preferential terms, including free legal services and cashback offers, ensuring maximum savings.
Buy-to-Let Investments
We provide competitive buy-to-let mortgage solutions for property investors, including portfolio management and specialist HMO financing. Our service covers rental affordability assessments, tax-efficient structures, and access to lenders offering high loan-to-value ratios. With expertise in both residential and commercial buy-to-let products, we support investors from first purchase to large-scale portfolios.
Equity Release Schemes
Our equity release specialists help homeowners aged 55+ access tax-free cash from property wealth through lifetime mortgages. We explain all implications, including inheritance tax considerations and eligibility criteria, while comparing rates from specialist lenders. The process includes independent legal advice and ensures clients understand long-term financial impacts before proceeding.
Mortgage Protection Insurance
We arrange decreasing term insurance policies to protect mortgage balances against death or critical illness. Policies can be tailored to repayment or interest-only mortgages, with optional critical illness add-ons. Our advisors ensure appropriate coverage levels while explaining exclusions and claim processes, providing peace of mind for families and lenders.
People
Mark O'Brien
Managing Director
BSc, CeMAP, CeRER qualified director with 25+ years' experience leading mortgage advisory services across North Wales. Specializes in complex cases and regulatory compliance.
Ross Collinson
Senior Adviser
CeMAP-qualified mortgage expert specializing in buy-to-let portfolios and self-employed mortgage solutions across Cheshire for 15+ years.
Steve Farr
Senior Adviser
Experienced CeMAP-qualified advisor renowned for first-time buyer support and fast-track mortgage completions in the Wirral region.
Questions
How much can I borrow for a mortgage?
Your borrowing capacity depends on income, expenses, and credit history. Our advisors provide personalized affordability assessments.
Can I get a mortgage with adverse credit?
Yes, we specialize in finding solutions for clients with complex credit histories through specialist lenders.
What insurance should accompany my mortgage?
We recommend mortgage protection insurance, life cover, and income protection to safeguard your home and family.
Do you offer first-time buyer support?
Yes, we provide tailored guidance on government schemes, deposit requirements, and competitive first-time buyer deals.
How does equity release work?
Equity release allows homeowners aged 55+ to access property wealth without monthly repayments, typically through lifetime mortgages.
What mortgage types do you offer?
We arrange fixed/variable rates, buy-to-let, remortgages, self-employed mortgages, and specialist products like help-to-buy schemes.
Reviews (4)
Jayne Williams
May 27, 2022
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Ross & Cara What a team! Brilliant from start to finish highly recommend this firm for your mortgage needs.
Chris Richardson
Mar 12, 2022
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Ross has arranged all my mortgages for over 20 years and I've always been very happy with his work, always a very professional service.
Ian Powell
Feb 24, 2022
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Brilliant company to have dealt with, everything was straight forward and black and white and everything I needed was catered for. I'll be a repeat customer in the future
Crue Heath
Dec 25, 2021
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Ross and Cara are always very helpful. They are clear with their requirements from you and their commitment to you. I would always highly recommend their services.
