Ergon Financial Consultants help you make sense of your financial future.
Your home may be repossessed if you do not keep up repayments on your mortgage, call us today.
The value of pensions and investments can fall as well as rise, you may get back less than you invested, call us today.
Approver Quilter Financial Services Ltd 06/01/2026.
Financial planning is about more than just good advice or investment returns. It’s about providing guidance that you can trust.
Financial Review
The value of pensions and investments can fall as well as rise, you may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Do you have a shoebox full of financial paperwork? Sometimes life is just too busy to take control and sort our financial affairs out, we can help you with that.
We offer a full financial review service in the following areas:
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Wealth Management;
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Retirement Planning;
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Mortgages;
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Annuities;
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Personal Protection & Business Protection;
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Private Medical Insurance;
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Group Personal Pension Schemes.
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Protection
You might be more familiar with insuring your home but do we think enough about insuring our greatest asset, ourselves?
Events in our life time which could affect your level of earnings and your ability to pay your bills include:
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Short-term or long-term illness;
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An accident;
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A serious illness;
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Death.
We will review any plans you have in place to determine if they are sufficient to meet your needs.
Savings/Investments
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Maybe you are investing for:
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A specific goal;
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A rainy day fund;
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Maintaining a good standard of living.
Our approach to investment and savings advice is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money. These are some of the most important parts of obtaining the correct investment for you.
With our expert advice we will ensure that the solutions presented are right for you. So whatever your goals are to save for a wedding, university fees or for a rainy day we will help you make an informed decision.
Mortgages
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.
Purchasing a property is likely to be one of the largest financial decisions you will make.  In today’s climate, therefore, it makes sense to get financial advice to find you the most suitable mortgage product to fit your personal circumstances.  We can offer advice on most types of mortgages including:
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First time buyers;
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Re-mortgages;
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New homes;
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Buy to let;
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Capital raising for home improvements;
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Second homes;
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Right to buy from local authority.
Pensions
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Our approach to retirement planning is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money and your future.
We will help you:
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Get ready for Retirement;
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Understand how to best maximise your tax allowance;
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Navigate the choices.
Properties are being listed at higher prices than they are ultimately selling for, with the average home taking a price cut of nearly 10 per cent. Read more about why homes can be over-valued and how this could help price negotiations in this article from This Is Money.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
Gap between asking prices and sold prices widens, says Knight Frank
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Agent Knight Frank says sellers are having to accept big discounts amid higher mortgage rates and a glut of homes on the market.Comment on Facebook
Life insurance can help loved ones cover an inheritance tax (IHT) bill after you die and putting the policy in trust can shield the payout from IHT. But if you get it wrong you risk locking in unsuitable terms or delaying payment.
Which? highlights six costly errors people make when putting life insurance in trust, from choosing the wrong type of trust to forgetting to add the right beneficiaries.
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6 costly mistakes to avoid when putting life insurance in trust - Which?
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Our survey found around half of Which? members that put life insurance in trust did so to sidestep inheritance taxComment on Facebook
The average mortgage deal lasted just 13 days before lenders pulled it in October, new data shows, in a sign of the continued volatility of the mortgage market this year.
This is a problem for homeowners who need to arrange a new mortgage deal – or for buyers looking to get a deal for their new property – as the market can swiftly alter and see their best choices disappear before they lock one in.
Read more in this article from the Independent. ... See MoreSee Less
UK mortgage deals disappear at fastest pace on record
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Mortgage deals are being pulled after less than two weeksComment on Facebook
AI-generated images, as well as voice cloning and deepfake videos are increasingly being used to trick people out of their money, according to National Trading Standards.
Some fraudsters have made websites for fake retailers that claim to be family-owned firms selling quality UK-made products. Images may show a UK High Street with Union Jack flags in shot.
This article from the BBC highlights what to look out for and how to protect yourself. ... See MoreSee Less
Don't fall for this - how to protect yourself from AI scams
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Trading standards officers say AI is "super-charging" existing scams through clones and fake websites.Comment on Facebook
The government has announced plans to make it easier for people with a terminal illness to access their private pension savings. The new rules, expected to come into effect in 2027, aim to reduce red tape and provide greater financial support when it is needed most.
Read more in this article from the Express. ... See MoreSee Less
DWP announces new ‘12 months’ rule for spending pension
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The changes aim to make it easier for people to access their pension savings.Comment on Facebook
UK consumer confidence has fallen to its lowest level in more than three years, as households grapple with concerns around inflation, interest rates and the cost of living.
New research has found growing pessimism about personal finances, spending and the wider economic outlook.
Read more in this article from The Standard. ... See MoreSee Less
Consumer confidence slumps to lowest point in more than three years
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October saw a sharp deterioration in confidence, with 57% of households expecting a shift to higher interest rates, according to S&P Global figures.Comment on Facebook
According to the Pensions Policy Institute there are over three million lost pension pots, with the average amount in each pot being £6,220. Learn more in this article about this, including how to track down lost pots. ... See MoreSee Less
Millions of pensions are going unclaimed in UK – here’s how to find yours
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Older people with lost pensions could have even more valuable ones to discoverComment on Facebook
Workers could have to put hundreds of pounds more a year into their pensions under proposals being considered to boost retirement savings.
A minimum total contribution of 12%, made up of both employer and employee cash, is under consideration by the second Pensions Commission, according to The i Paper. But no final contribution rate has been agreed and details are undecided.
The commission’s final recommendations are expected in spring 2027, meaning there will not be an immediate change to your payslip.
The Sun looks at how this could impact workers' take-home pay and why the change is being considered. ... See MoreSee Less
Ministers eye plans for workers to save more - how much will YOU have to pay in?
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MINISTERS are eyeing up plans that could force workers into saving more for their retirement – we reveal how much more YOU will have to pay in. Workers could have to put hundreds of pounds mo…Comment on Facebook
Christmas is fast approaching, and while the festive season is a wonderful time for families to come together, the extra costs can make it stressful.
Which? has rounded up 11 money-saving tips from its experts, from loyalty schemes to Secret Santa, to help you cut festive costs, both this year and for years to come.
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11 ways to boost your budget this Christmas - Which?
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Discover expert tips to save money on presents, food and festive essentialsComment on Facebook