About Us

We have defined our purpose as a business, into two core beliefs:

• • We aim to get all of our clients Debt free as soon as possible
  • We take a positive stance on mental health issues and general mindfulness

On the first point of being debt free, surely this is everyone’s goal? However, in this modern world, that goal seems to get kicked into the long grass or not achieved at all. As we often say with regard to our own goals “life gets in the way”, so if a new car is needed, holidays, school/nursery costs etc mount up, so can debts. Sadly, we are seeing an increase of instances where people are then consolidating these debts into their mortgage. Yes, that may keep costs down, but it also erodes your equity. That may be a good solution for some, but it should not be a default setting. We strongly view our role as being your trusted adviser from when you first take a mortgage with us, to the point at which you will become entirely debt free. That may well take 20, 30 or even 40 years, but we want to be with you all the way and ensure you do meet these goals, retire debt free, with peace of mind.

The second largest issue we see after mounting debts, is an increase in mental health issues. There seems to be a cause and effect relationship between the two – one directly affects the other.  If you see your mortgage payments rise or debts increase, it’s only natural that people will become stressed or anxious, who wouldn’t!

Our view is that your mental health is like your physical health; without regular exercise, your body becomes a little softer than you may like, your mind is no different to your body and needs the same TLC.  In fact, you can blame Descartes (the 16th Century French Philosopher) who separated out body and mind, not a great move in our opinion. We aim to promote a positive view on how you can stay on track mentally by doing a few simple things each day; don’t eat your lunch at your desk, take a 10-15-minute walk somewhere green, call an old friend/relative when you get home or read a new book each month. It is the simple stuff that will improve your state of mind. We are not suggesting you start with transcendental meditation, but you would be more than welcome to try! Keeping your finances in order is just such a huge part of that jigsaw and knowing you are in safe hands with someone who truly cares about getting you debt free can only be a good thing. If you are, or have, experienced more serious issues, please talk to us as that is often the root cause of past financial issues (late payments, defaults, CCJs etc, it happens. We can’t always promise that we can find a solution, but we can promise that we will try our best for you). If we understand this, we are far more likely to get you a better outcome, many lenders are more understanding that you may expect (we certainly know the good guys anyway!).