Business Details
24 Years
experience
Trusted Financial Advisers in Ashton in Makerfield
Established in 2002, Ashton Mortgage & Financial Solutions has been providing independent financial advice to local and wider communities from our base in Ashton in Makerfield. With a team comprising one financial adviser, three mortgage advisers, and two clerical staff, we combine over 25 years of collective experience in personal finance. Our approach focuses on tailoring advice to individual circumstances, supported by competitive investment pricing that differentiates us from competitors. We serve a diverse client base ranging from young professionals to retired couples, ensuring our solutions address specific life stages and financial goals. Our commitment to impartiality means we search the entire mortgage market, including exclusive deals brokers may access, while prioritising client protection through regulated advice.As a SHIP code of practice adherent, we guarantee transparent equity release solutions with safeguards like no negative equity provisions. Our office reopened fully during the pandemic, offering both face-to-face and remote consultations to accommodate client preferences. We prioritise clear communication, explaining complex financial products' small print to help clients make informed decisions. With a focus on long-term relationships, we handle all paperwork and administration to ensure seamless service delivery. Our reputation for professionalism is reflected in client testimonials praising our helpfulness, accessibility via phone or email, and ability to create secure financial futures.
Services
Financial Advice
Mortgage Advice
Lifetime Mortgages
Asset & Wealth Management
Retirement Planning
Protection Policies
Estate Planning
Critical Illness Cover
Income Protection
Mortgage Protection
Details
- Year established: 2002
Highlights and features
- Three mortgage advisers with 30+ years combined experience
- Free initial consultation with no obligation
- Totally impartial advice across the whole mortgage market
- SHIP code of practice compliance for equity release guarantees
- Personalised service handling all paperwork and administration
Associations and certifications
- Financial Conduct Authority
- SHIP (Safe Home Income Plans)
What people say
Very professional
Helpful team
Relaxing atmosphere
Accessible anytime
Secure financial future
Services
Financial Advice
We provide comprehensive financial advice covering investment strategies, tax-efficient savings, and long-term wealth management. Our advisers create tailored plans considering clients' current circumstances and future goals. With access to the whole market, we ensure competitive pricing and suitable solutions for individuals at all life stages.
Mortgage Advice
Our mortgage specialists offer impartial guidance on residential and remortgage products. We analyse market deals, including exclusive broker offers, to find optimal solutions. Services include affordability assessments, application support, and ongoing administration, with free initial consultations available for all clients.
Lifetime Mortgages
We advise on SHIP-compliant lifetime mortgages allowing homeowners to release equity without repossession risk. Options include interest-only payments or rolled-up interest. Our advisers explain implications clearly, ensuring clients retain rights to use independent solicitors and benefit from no negative equity guarantees.
Asset & Wealth Management
Our wealth management covers ISAs, pension planning, and school fee strategies. We create diversified portfolios aligned with risk tolerance and objectives. Regular reviews ensure investments remain suitable as clients' circumstances evolve, with transparent fee structures applied to all managed assets.
Protection Policies
We offer independent advice on life assurance, critical illness cover, and income protection. Our analysis includes existing policy reviews to ensure ongoing suitability. We compare market options to find cost-effective solutions protecting families and businesses against unforeseen circumstances.
People
Craig C
Financial Adviser
With over 25 years' experience in financial services, Craig leads client consultations and ensures regulatory compliance. He specialises in complex mortgage solutions and retirement planning, maintaining FCA-authorised status since 2003. His approach combines technical expertise with clear communication.
Questions
Are you regulated by the Financial Conduct Authority?
Yes, we've been authorised and regulated by the FCA since 2003 under reference number 5181306.
Do you offer face-to-face appointments?
Yes, our Ashton in Makerfield office reopened fully during the pandemic, though remote consultations remain available.
What mortgage types do you advise on?
We cover all residential mortgages including remortgages, first-time buyer schemes, and buy-to-let options.
How do you ensure impartial advice?
As independent advisers, we access the whole market including exclusive broker deals without preferential treatment.
What protection policies do you offer?
We provide life assurance, critical illness cover, income protection, and mortgage protection policies tailored to individual needs.
Do you provide equity release advice?
Yes, we specialise in SHIP-compliant lifetime mortgages with full explanation of terms and client guarantees.
