Business Details
24 Years
experience
Expert Financial Advisers in Ashton in Makerfield
Established in 2002, Ashton Mortgage & Financial Solutions has built a reputation for delivering independent financial advice tailored to individual client needs. Our team comprises three mortgage advisers with over 30 years of combined experience, supported by dedicated clerical staff. We specialise in mortgage solutions, lifetime mortgages, and asset management, prioritising client satisfaction through impartial advice and market-wide comparisons. Our commitment to the SHIP code of practice ensures clients receive ethical, transparent guidance for equity release plans. With a focus on long-term client relationships, we provide bespoke financial strategies for individuals ranging from young professionals to retirees.Our expertise extends to protection policies, retirement planning, and wealth management, supported by authorisation from the Financial Conduct Authority. We offer both face-to-face and remote consultations to accommodate client preferences. Our fee-free initial mortgage reviews and no-obligation consultations reflect our confidence in the value of our services. By maintaining independence from single providers, we guarantee access to exclusive deals and competitive rates. Our track record of assisting clients with complex financial scenarios underscores our position as a trusted local adviser in Ashton in Makerfield.
Services
Mortgage Advice
Lifetime Mortgages
Asset Management
Retirement Planning
Protection Policies
Wealth Management
Details
- Year established: 2002
Highlights and features
- Three mortgage advisers with over 30 years combined experience
- Free initial mortgage consultation with no obligation
- Impartial advice accessing exclusive market deals
- Compliant with SHIP code of practice for equity release
- Bespoke mortgage solutions tailored to individual circumstances
Associations and certifications
- Financial Conduct Authority
- SHIP (Safe Home Income Plans)
What people say
Very professional
Helpful
Relaxed
Happy to help anytime
Services
Mortgage Advice
Our mortgage advisory service provides tailored solutions for first-time buyers, remortgagers, and property investors. We access exclusive market deals and offer impartial guidance on competitive rates. With three experienced advisers, we ensure clients receive suitable mortgage products aligned with their financial circumstances.
Lifetime Mortgages
We specialise in SHIP-compliant lifetime mortgages allowing homeowners to release equity without losing residency rights. Our advice covers repayment options, inheritance implications, and no-negative-equity guarantees. Clients benefit from independent legal advice and transparent plan comparisons tailored to retirement needs.
Asset Management
Our asset management services include ISA provision, pension planning, and school fee strategies. We create diversified investment portfolios aligned with risk profiles and long-term goals. Regular reviews ensure clients maintain optimal financial positions through changing market conditions and personal circumstances.
Protection Policies
We offer comprehensive protection solutions including life assurance, critical illness cover, and income protection. Our independent status allows whole-of-market comparisons to find cost-effective plans. We review existing policies to ensure ongoing suitability for evolving family and financial situations.
Retirement Planning
Our retirement planning service covers pension commencement strategies and income optimisation. We help clients navigate complex options while considering tax implications and lifestyle goals. Bespoke plans ensure clients achieve their desired retirement standard while maintaining financial security.
Questions
What financial services do you offer?
We provide mortgage advice, lifetime mortgages, asset management, retirement planning, and protection policies tailored to individual client needs.
Are you regulated by any official body?
Yes, we are authorised and regulated by the Financial Conduct Authority for your protection.
How do lifetime mortgages work?
Lifetime mortgages let you release equity from your home while retaining residency rights, with repayment deferred until death or long-term care admission.
Do you offer free initial consultations?
Yes, we provide free, no-obligation mortgage reviews and introductory meetings with our advisers.
Can you help with existing mortgage arrangements?
We review current mortgages to determine if staying with your lender or switching offers better value.
What appointment options are available?
We offer face-to-face meetings at our Ashton in Makerfield office or remote consultations via phone.
Reviews (5)
Cath Roby
May 25, 2021
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If I could give this a zero stars I would. Basically booked an appointment with Cheryl at least a year ago. Told us we were gonna be accepted for a mortgage and she'd get back to us with a lender the following Tuesday. That was a complete lie. Everytime I got in touch she was either still working out the figures or off sick or on holiday. Over a year later she still hasn't been in touch. Basically fobbed us off. Went to Ashtons and they told us everything we needed to know in a single phone call. If I'd have paid fees I'd be taking them to court right now. Highly unreccommend. These people just fob you off.
Allan W.
Jul 15, 2020
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We have been using AMF solutions since since their set up and we have always found them to be very helpful and friendly have recommended them to friends and family who have also used their services great team to deal with Allan w
Craig
Dec 22, 2019
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We have used Ashton Mortgage &Financial Solutions on a number of occasions and we will always go back. Very professional and helpful, they make you feel relaxed and are happy help via phone or email anytime.
Paul Hooton
Oct 27, 2019
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Really a waste of time that dealing with them, mainly John cheevers he doesn't know what he is doing and whois his client, very confused. Wont recommend any one.
Simon Gillam
Oct 07, 2016
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Worked with Billy on getting the right mortgage for my first property, he was absolutely fantastic, efficient in every aspect, and an all round good guy, won't hesitate to use again.
