Are there signs that the housing market in the UK is heading for a crash? As homeowners, buyers, and even investors keep a watchful eye on the property market, the possibility of a market downturn can be a cause for concern.
In this insight, we explore the signs the housing market will crash, the indicators that experts are looking out for, and what it could mean for those involved in the property sector.
Signs the UK housing market will crash include historic soaring house prices, mounting mortgage debt, economic volatility, high inflation, and expert warnings. These factors can lead to property repossessions and the start of a housing market crash.
While the UK housing market has shown resilience in the face of economic uncertainty in recent years, there are potential warning signs that cannot be ignored. Factors such as rising house prices, increasing mortgage debt, and ongoing economic volatility have sparked discussions and debates about the possibility of a housing market crash. By examining key indicators and expert opinions, we aim to provide an insightful analysis of the current situation, allowing readers to make informed decisions.
As we delve into the topic, it's crucial to maintain a balanced perspective, avoiding sensationalism or alarmism. Understanding the factors at play and their potential implications is key for homeowners, investors, and those considering entering the property market. So, let's investigate the signs that may suggest the housing market is on the verge of a crash in the UK.
The housing market in the UK is influenced by a multitude of factors, both internal and external. Economic conditions, government policies, and demographic trends all play a role in shaping the state of the market. Understanding these factors is essential for assessing the likelihood of a market crash.
One of the primary drivers of the housing market is supply and demand. Limited housing supply coupled with high demand can lead to rapidly rising prices and a seller's market. On the other hand, an oversupply of housing can result in a buyer's market and downward pressure on prices. Additionally, economic factors such as interest rates, inflation, and employment rates can impact affordability and buyer confidence.
Another important factor is consumer sentiment. People's perception of the housing market and their willingness to buy or sell can influence market dynamics. For example, if there is a widespread belief that prices will continue to rise, buyers may rush to enter the market, driving up demand and prices. Conversely, if there is a fear of a market downturn, buyers may hold off on purchasing, leading to a decline in demand.
In summary, factors such as supply and demand, economic conditions, and consumer sentiment all contribute to the overall health of the housing market. Monitoring these factors can provide valuable insights into the likelihood of a market crash.
To gain a better understanding of the possibility of a housing market crash, it's helpful to examine past occurrences. While history doesn't always repeat itself, studying previous crashes can offer valuable lessons and insights.
One notable housing market crash in the UK occurred in the late 1980s. During this period, the market experienced a rapid increase in prices, fuelled by speculation and loose lending practices. However, the bubble eventually burst, leading to a severe downturn in the market. Many homeowners found themselves in negative equity, unable to sell their properties for the amount they owed on their mortgages.
Another significant crash took place during the 2008 global financial crisis. The subprime mortgage crisis in the United States had a ripple effect on the UK housing market, causing a sharp decline in prices and a slowdown in sales. The crash was exacerbated by the tightening of lending standards and a decrease in consumer confidence.
While these historical crashes provide cautionary tales, it's important to note that the current housing market may have different underlying factors at play. Nonetheless, analysing past events can help identify potential warning signs and vulnerabilities in the market.
As we assess the current state of the UK housing market, several indicators are worth considering. These indicators can provide insights into the stability and possible future direction of the market.
One key indicator is house prices. Over the past few years, house prices in the UK have been on an upward trajectory, outpacing wage growth and making homeownership increasingly unaffordable for many. While rising prices may be a positive sign for homeowners, they can also indicate an overheated market susceptible to a correction.
Another indicator to watch is mortgage debt. As house prices rise, buyers often take on larger mortgage loans to afford their desired properties. This increased debt burden can be a cause for concern, especially if interest rates were to rise or if borrowers encounter financial difficulties. A significant increase in mortgage defaults could put downward pressure on house prices and potentially lead to a market crash.
Economic volatility is another factor to consider. Uncertainty surrounding Brexit, global trade tensions, and the impact of the COVID-19 pandemic have all contributed to a volatile economic environment. Sudden changes in economic conditions can have a significant impact on the housing market, affecting buyer confidence and demand.
While these indicators provide some insights into the state of the housing market, it's important to approach them with caution. A combination of multiple indicators, rather than relying on a single metric, is often more reliable in assessing the overall health of the market.
In addition to the specific indicators mentioned earlier, several economic factors can provide valuable insights into the stability of the housing market. Monitoring these indicators can help identify potential risks and vulnerabilities.
Firstly, interest rates play a crucial role in the housing market. Low interest rates make borrowing more affordable, stimulating demand and driving up prices. Conversely, high interest rates can have a cooling effect on the market, making it more difficult for buyers to afford homes and potentially leading to a market correction.
Inflation is another important economic indicator to consider. High inflation erodes the purchasing power of consumers, making it more challenging to save for a down payment and meet mortgage repayments. Additionally, inflation can lead to higher construction costs, impacting the supply side of the housing market.
Unemployment rates also have a significant impact on the housing market. High levels of unemployment can lead to decreased demand and a decline in prices. Conversely, low unemployment rates can fuel demand, driving up prices and potentially creating a housing bubble.
Lastly, economic growth is closely tied to the housing market. A strong economy with robust GDP growth often translates to a healthy housing market. Conversely, a recession or economic downturn can lead to decreased consumer confidence and a slowdown in the property sector.
By closely monitoring these economic indicators, policymakers, investors, and individuals can gain insights into the current and future state of the housing market.
The housing market in the UK is heavily influenced by government policies and interventions. From tax incentives to regulations, policymakers play a significant role in shaping the direction of the market. Understanding these policies and their potential impact is crucial for assessing the likelihood of a housing market crash.
One policy that has gained attention in recent years is the Help to Buy scheme. This government-backed initiative aims to assist first-time buyers in getting onto the property ladder by providing equity loans. While the scheme has helped many individuals achieve homeownership, critics argue that it has contributed to rising house prices and an unsustainable market.
Tax policies also play a role in the housing market. For instance, the introduction of the Stamp Duty Land Tax (SDLT) holiday in response to the COVID-19 pandemic has stimulated demand and driven up prices. However, with the holiday set to end, there are concerns about a potential slump in the market.
Regulations regarding mortgage lending standards can also impact the housing market. Stricter regulations, such as stress tests and affordability checks, aim to ensure borrowers can withstand financial shocks. While these regulations are intended to promote stability, they can also limit access to mortgage credit, potentially dampening demand.
Government policies can have both positive and negative effects on the housing market. Balancing the need for affordability and stability is a delicate task for policymakers. Keeping a close eye on policy developments can provide insights into the future trajectory of the housing market.
Expert opinions and predictions can offer valuable insights into the likelihood of a housing market crash. While no one can predict the future with certainty, industry professionals and analysts provide informed perspectives based on their knowledge and experience.
Some experts argue that the housing market is due for a correction. They point to the high levels of mortgage debt, rising house prices, and the economic uncertainties as warning signs. They believe that a market crash is inevitable and urge caution for homeowners and investors.
Others, however, are more optimistic about the market's resilience. They highlight the underlying demand for housing, low interest rates, and government interventions as factors that could prevent a crash. They believe that any slowdown in the market will be temporary and that prices will continue to rise in the long term.
It's important to consider a range of expert opinions and predictions, as they can provide different perspectives and insights. However, it's crucial not to rely solely on these opinions when making decisions about the housing market. Conducting thorough research and considering multiple factors is essential for making informed choices.
While the possibility of a housing market crash may be concerning, there are steps individuals can take to protect themselves in such a scenario. Being prepared and proactive can help mitigate potential risks and minimise financial losses.
One strategy is to ensure that you have a secure financial foundation. This includes maintaining a healthy credit score, having an emergency fund, and reducing personal debt. By having a strong financial position, you'll be better equipped to weather any market downturns.
Diversifying your investments is another way to protect yourself. Instead of putting all your eggs in one basket, consider spreading your investments across different asset classes such as stocks, bonds, and commodities. This diversification can help mitigate the impact of a housing market crash on your overall portfolio.
For homeowners, it's important to avoid overextending yourself financially. Keeping mortgage repayments manageable and not relying on the potential appreciation of your property can provide a buffer against market fluctuations. Additionally, having appropriate insurance coverage, such as home insurance, can offer protection in case of unforeseen events.
Lastly, staying informed and monitoring market trends is crucial. Keeping an eye on economic indicators, government policies, and expert opinions can provide valuable insights into the health of the housing market. Being proactive and adaptable in your approach will allow you to make informed decisions and react appropriately to market conditions.
For those who are hesitant about investing in the housing market during uncertain times, there are alternative investment options worth considering. These alternatives can provide diversification and potentially offer attractive returns in different market conditions.
One option is investing in real estate investment trusts (REITs). REITs are companies that own, operate, or finance income-generating real estate. By investing in REITs, individuals can gain exposure to the property market without the need to directly purchase properties. REITs can offer liquidity, diversification, and potentially higher yields compared to traditional property investments.
Another alternative is investing in stocks. While stock markets also experience volatility, investing in a diversified portfolio of stocks can provide exposure to different sectors of the economy. Additionally, stocks offer liquidity and the potential for capital appreciation.
Investing in bonds is another option to consider. Bonds are fixed-income securities that pay interest over a specified period. They are considered less risky than stocks and can provide a stable income stream. Government bonds, corporate bonds, and municipal bonds are examples of different types of bonds available for investment.
Lastly, individuals can explore investment opportunities in other asset classes such as commodities or cryptocurrencies. These alternative investments can offer diversification and potentially higher returns, but they also come with their own risks and considerations.
When evaluating alternative investment options, it's important to consider your risk tolerance, investment goals, and time horizon. Consulting with a financial adviser can help you make informed decisions based on your individual circumstances.
In conclusion, while there are signs that suggest the housing market in the UK may be heading for a crash, it's important to approach the topic with a balanced perspective. Factors such as rising house prices, increasing mortgage debt, and ongoing economic volatility raise concerns about the market's stability. However, historical trends, government policies, and expert opinions offer varying perspectives on the likelihood of a crash.
Monitoring key indicators, staying informed about economic developments, and being proactive in your financial planning can help mitigate potential risks and protect yourself in case of a market downturn. Additionally, exploring alternative investment options can provide diversification and potentially attractive returns.
As the housing market continues to evolve, it's essential to stay informed and make decisions based on a thorough understanding of the factors at play. By keeping a watchful eye on the market and being prepared for different scenarios, individuals can navigate the property sector with confidence and make informed decisions about homeownership, investments, and financial planning.
Stuart is an expert in Property, Money, Banking & Finance, having worked in retail and investment banking for 10+ years before founding Sunny Avenue. Stuart has spent his career studying finance. He holds qualifications in financial studies, mortgage advice & practice, banking operations, dealing & financial markets, derivatives, securities & investments.
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We are committed to providing the best customer service and with access to a wide range of providers across the UK, we can ensure you receive the most competitive rate available to you, whilst ensuring the product meets your requirements.</p> <p>We do not charge a broker fee and we are whole of market.</p> <p>We aim to provide an honest, reliable, efficient and hassle-free service tailored to the unique requirements of each individual client. 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TMFS Protection Adviser of the year 2022.</p> <quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230201_COMLOGO_1675254129.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 6 => object(App\Model\Entity\Job) { 'id' => (int) 50, 'candidate_id' => (int) 143, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 3, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 3, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Glade Financial', 'slug' => 'glade-financial', 'description' => '<h4 class="h4Pink"><strong>About Gosia:</strong></h4> <p>My mission is to make you feel confident about money and your future, to teach you to be financially savvy with the knowledge of how to manage your own money. I want to help you to change your life, secure a better future and maintain the lifestyle you want. I want to empower you to feel wealthy.</p> <h4 class="h4Pink"><strong>Glade Financial:</strong></h4> <p>At Glade Financial we offer financial planning and guidance services that fit around you and your goals. We will guide you and your family towards your truly successful financial future and deliver intelligent wealth management solutions while protecting you from the unexpected.<br /> <br /> We will begin with a free no-obligation consultation to understand your circumstances and needs and if the service we provide is right for you. Afterwards, we will prepare a report of recommendations based on the information we gathered. If you decide to go with our advice, we will take care of the fund implementation and policy administration for a fuss-free process.<br /> <br /> We can never predict the future but we can make sure you are ready for whatever the future brings. We will break down the complexity of financial management and give you the clarity and guidelines you need.</p> <h4 class="h4Pink"><strong>Our Promise:</strong></h4> <ul> <li>Putting you first, always</li> <li>Responsive to your needs</li> <li>Collaborating with you every step of the way</li> <li>Building lasting relationship</li> </ul> <p>I invite you to contact me today to find out more!</p> <p class="ParaPink"><strong>I am the director and Independent Financial Adviser at Glade Financial, which is an Appointed Representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566.<br /> The performance of your investments is subject to risks. Past performance and forecasts are not reliable indicators of future performance. Tax treatment depends on your individual circumstances and may change. Capital at risk.</strong></p> <p class="ParaPink"> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_143/gd.PNG" width="1000" /></p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230203_COMLOGO_1675428759.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 7 => object(App\Model\Entity\Job) { 'id' => (int) 54, 'candidate_id' => (int) 154, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'How? Financial Review', 'slug' => 'how-financial-review', 'description' => '<h2 class="h2Black" style="text-align: center;">How? Financial Review</h2> <p><strong>We provide expert mortgage and protection advice that you can trust. We take pride in offering a personal service and providing our clients with peace of mind that they are receiving quality products, tailored to their requirements and budget and that are fit for purpose.</strong></p> <p><strong>At How Financial Review (Stockport) Ltd, we offer a personal service that is convenient and worked round our client’s busy schedules. We are happy to carry out reviews and organise policies either over the telephone, virtually or face to face in the comfort of your own home. </strong></p> <p><strong>We aim to make signing up for any of our services as quick and as convenient as possible. As well as looking after our loyal base of existing clients, we provide friendly, honest advice to new clients, the majority of which come to us from word of mouth recommendations.</strong></p> <h5 class="h5Yellow" style="text-align: center;">Better Call Paul</h5> <p><img alt="better call paul protection insurance" src="/webroot/img/userfiles/user_154/bettercallpaulprotection.jpg" style="float:left" width="500" /><img alt="better call paul income protection" src="/webroot/img/userfiles/user_154/incomeprotection.jpg" style="float:right" width="500" /></p> <p><img alt="bettercallpaulincomeprotectioninsurance" src="/webroot/img/userfiles/user_154/bettercallpaulincome.jpg" style="float:right" width="500" /><img alt="bettercallpaulbusinessinsurance" src="/webroot/img/userfiles/user_154/bettercallpaulbusiness.jpg" style="float:left" width="500" /></p> <p> </p> <p> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230208_COMLOGO_1675882092.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 8 => object(App\Model\Entity\Job) { 'id' => (int) 55, 'candidate_id' => (int) 144, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 3, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 3, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'James Parvin Mortgages', 'slug' => 'james-parvin-mortgages', 'description' => '<p style="text-align: center;"><strong>Offering a fresh, friendly and stress free approach to organising your mortgage in the UK.</strong></p> <p style="text-align: center;"><strong>Get in touch today for your fee-free, initial, no-obligation consultation to help you find a tailor made solution that's right for you and your situation.</strong></p> <h2 class="h2Green" style="text-align: center;">Hi, I am James Parvin!</h2> <p style="text-align: center;">I have been in the Financial Services industry for over 30 years. I have a Degree in Law and History. I have worked in a solicitors office, as well estate agencies as well as with Banks, such as Halifax, Tesco Bank and Santander.</p> <p style="text-align: center;">I am very experienced in understanding the full house buying/selling process from start to finish.</p> <p style="text-align: center;">I like talking to and helping people. Outside of work I enjoy volunteering having helped at the Glasgow Commonwealth Games in 2014, World Gymnastics Championships, World Badminton Championships, European Championships, to name a few, as well as Scottish Rugby and Badminton Scotland.</p> <p style="text-align: center;">My wife and I enjoy travelling be it for weekends away or to more exotic destinations such as Turkey, Spain and hopefully Australia. We also have our hands full with our 2 year old Cockapoo, Alfie!</p> <h2 class="h2Green" style="text-align: center;">Our Services</h2> <p style="text-align: center;">We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.</p> <h5 class="h5Green" style="text-align: center;">First Time Buyers</h5> <p style="text-align: center;">As a first time home buyer we are here 100% to hold your hand through getting a mortgage as well as dealing with solicitors and estate agents.</p> <p style="text-align: center;">Want to get that straightforward and jargon free service?</p> <h5 class="h5Green" style="text-align: center;">Home mover </h5> <p style="text-align: center;">Do you think you need more space or the total opposite and want to downsize?</p> <p style="text-align: center;">Let James Parvin Mortgages talk through solutions that could help you!</p> <h5 class="h5Green" style="text-align: center;">Remortgage</h5> <p style="text-align: center;">Switching contracts and products is common in other areas of your life but is often overlooked when it comes to your current mortgage.</p> <p style="text-align: center;">We’re here to make that easy!</p> <h5 class="h5Green" style="text-align: center;">Buy to Let</h5> <p style="text-align: center;">Looking to build a Monopoly-esque property portfolio, renting your old place out or just looking to invest in your future?</p> <p style="text-align: center;">James Parvin Mortgages should be the first call you make.</p> <h5 class="h5Green" style="text-align: center;">Protection</h5> <p style="text-align: center;">Making sure you can keep your home is just as important as buying it. That’s why we’ll also look at your protection needs, such as Life Insurance and Income Protection, to make sure you can afford to keep your home should life throw you a curve ball.</p> <h5 class="h5Pink" style="text-align: center;">Your home/property may be repossessed if you do not keep up repayments on your mortgage.</h5> <h5 class="h5Pink" style="text-align: center;">*Some buy to let, let to buy mortgages and bridging finance are not regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">James Parvin Mortgages Ltd Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">Registered Office: James Parvin Mortgages Ltd, 1 Heathery Lea Avenue, Coatbridge, ML5 4JT. Registered Company Number: SC734214 Registered in Scotland</h5> <p style="text-align: center;"> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230209_COMLOGO_1675938078.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 9 => object(App\Model\Entity\Job) { 'id' => (int) 59, 'candidate_id' => (int) 160, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 1, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 1, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Mewstone Mortgage Advice', 'slug' => 'mewstone-mortgage-advice', 'description' => '<h2 class="h2Black" style="text-align: center;">EXPERIENCED MORTGAGE ADVISORS IN PLYMOUTH</h2> <p style="text-align: center;">We are a local team of 3, we were all born and raised in Plymouth. Now bringing up our own families in the area, we wanted to focus our mission around helping other families in Plymouth and surrounding areas achieve their dreams and ensure they’re protected.</p> <p style="text-align: center;">When we say we are an independent broker, we truly are. We work with the whole of market, meaning we can access lenders that aren’t on the High Street, that may be online or specialists that you wouldn’t have thought of. Unlike other brokers or your bank we can be completely unbiased about your mortgage and protection needs.</p> <p style="text-align: center;">As locals ourselves, we are heavily involved with local goings on. Nathan is a big rugby fan, and can be found playing for his local team. Charlie is a trampoline champion who loves to cook. Mark on the other hand can be found at the beach surfing away his spare time!</p> <p style="text-align: center;">Even if you aren’t local to the Plymouth area, you can still be part of the Mewstone family. We can service the whole of the UK with the help of technology.</p> <hr /> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture.PNG" width="1355" /></p> <p> </p> <h2 class="h2Black">What we can help with:</h2> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture2.PNG" width="1017" /></p> <p style="text-align: center;">We are passionate about our local area, we grew up here, and are now bringing our families up in the area. 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Whether it be a full involvement in the purchase of a new property (including negotiating on purchase prices, dealing with chains, dealing with solicitors etc.) Or re-mortgaging your property and/or raising funds for any legal purpose. I will be your only point of contact throughout the process.</p> <hr /> <p><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME/PROPERTY. YOUR HOME OR<br /> PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong>. </p> <h5 class="h5Pink" style="margin: 0cm;">Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345</h5> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230222_COMLOGO_1677073058.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 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reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 11 => object(App\Model\Entity\Job) { 'id' => (int) 61, 'candidate_id' => (int) 163, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Joe Manns-Benson at Largemortgageloans.com', 'slug' => 'joe-manns-benson-at-largemortgageloans-com', 'description' => '<p>Every client is unique and has different financial solutions.</p> <p>Here at largemortgageloans.com we are committed to 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These type of clients do not fit high street orders and need specialist advice which I can provide.</strong></p> <h5 class="h5Pink" style="text-align: center;"><strong>When your bank or building society says ‘No’ to your application because you don’t fit the mould, we aim to get the ‘Yes’ you’re looking for.</strong></h5> <h5 class="h5Pink" style="text-align: center;"><strong>UK Lending helps you apply for complex mortgages and property-secured loans, from specialist lenders who may well look on your application more favourably than middle-of-the-road high street lenders.</strong></h5> <p style="text-align: center;"><strong>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong></p> <hr /> <p style="text-align:center"><img alt="Uk Lending" src="/webroot/img/userfiles/user_168/Capture.PNG" width="1215" /></p> <p><img alt="Uklending buy to let" height="287" src="/webroot/img/userfiles/user_168/captir2.PNG" style="float:left" width="500" /></p> <p><img alt="Uk lending 3" height="320" src="/webroot/img/userfiles/user_168/Capture3.PNG" style="float:right" width="500" /></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> ', 'company_logo' => '20230330_COMLOGO_1680179241.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 14 => object(App\Model\Entity\Job) { 'id' => (int) 66, 'candidate_id' => (int) 169, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Darius Stonkus @ Jones and Young', 'slug' => 'darius-stonkus-jones-and-young', 'description' => '<h5 class="h5Yellow">Jones & Young are Independent Mortgage Brokers based in Petersfield, Hampshire covering the whole of the UK.</h5> <h5 class="h5Black">Ultimately my role involves dealing with real people that have real life problems, desires and million other things going on in their everyday lives. As buying a HOME is always a BIG decision, especially if it is your first one I want to make sure that the process runs smoothly and you are informed all the way along the journey. It is especially satisfying when a person that never thought it was possible gets the keys to their property.<br /> <br /> However, we don’t just leave it there as new large financial commitments create liabilities that need to be “neutralised”. You will get an impartial and FREE advice about insurance solutions to protect your financial wellbeing that you have worked so hard for.<br /> <br /> If you are a paid via CIS, contractor, ltd director, have had a financial blip in the past or any combination of the above, I want to hear from you.<br /> However, be brave and get in touch even if you do not fit the above description as I have helped people with employed incomes as well.<br /> <br /> Just so you know there is a real person behind this profile pic ! I know crazy. When I’m not on the phone or my laptop you will find me doing pull ups and push ups, reading books about human body and parenting, eating my own cooked good food, checking the news out, posting stuff on TikTok and a bunch of other stuff.</h5> ', 'company_logo' => '20230421_COMLOGO_1682071071.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 15 => object(App\Model\Entity\Job) { 'id' => (int) 68, 'candidate_id' => (int) 170, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 4, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 4, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ben Davies - City Finance Brokers', 'slug' => 'ben-davies-city-finance-brokers', 'description' => '<h5 class="h5Green">Impartial and independent advice on your bridging finance requirements:</h5> <ul> <li> <h5 class="h5Green">Property Finance</h5> </li> <li> <h5 class="h5Green">Property Development</h5> </li> <li> <h5 class="h5Green">Property Investment Finance</h5> </li> </ul> <h5 class="h5Pink">ben.davies@cfbrokers.co.uk</h5> <h5 class="h5Pink">07376 972 391</h5> ', 'company_logo' => '20230630_COMLOGO_1688118133.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 16 => object(App\Model\Entity\Job) { 'id' => (int) 69, 'candidate_id' => (int) 173, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Active Financial', 'slug' => 'active-financial', 'description' => '<h2 class="h2Green">The Self Employed Finance Specialists</h2> <p>At Active, we exist to help business owners, entrepreneurs and company directors to secure mortgages and protection quickly, easily and without distracting you from your business and your family. <img alt="Active Financial" src="/webroot/img/userfiles/user_173/Untitled%20design%20(20).png" style="float:right" width="200" /></p> <h2 class="h2Green">What can Active Financial do for you?</h2> <p>Go to most mortgage brokers and lenders and you’ll find that getting a mortgage as a self-employed business owner is tough.</p> <p>You’ve probably already realised that.</p> <p>The truth is that the world of mortgages isn’t set up for people who run their businesses, which can make getting a mortgage for people like you harder.</p> <p>But we can help you make it happen.</p> <p>Because we specialise in this exact area, we know what other brokers don’t.</p> <h2>How Do Active help you?</h2> <p>Over the years we’ve worked with business owners, we’ve built a strategic process that gives you the best chance of getting the finance that suits you and your families circumstances.</p> <p>We call it the ACTIVE framework, and it works, time and time again.</p> <p>No matter what type of finance you’re looking for, the framework serves to secure the best deal for you, as quickly and efficiently as possible.</p> <p>We know what buttons to press, what products to apply for and exactly how you need to get your ducks in a row in order to achieve the finance you need for the home you want.</p> <p>Whether you’re looking for your first home, your forever home, to invest in property, or protect your business or family, we can help, by putting you on the right track towards acceptance, and dealing with the entire process, so you can focus on doing what you do best.</p> <p>When you work with Active, we reduce your stress and save you time.</p> <p>No longer do you have to ring around to try and find lenders who might service you, or spend hours on the phone to brokers.</p> <h2>Why are Active Financial so good at helping people like you?</h2> <p>Because we <strong>ARE</strong> people like you. Here’s our founder Gary’s story:</p> <blockquote> <p class="Quotation14Green">I qualified to provide mortgage advice in 2002, launching Active Mortgage in 2008. But it wasn’t until in 2015, we realised firsthand how hard it is to get a mortgage when you’re self-employed. My wife Ayesha was a sole trader at the time, and I was running Active, and we wanted to buy our own home. Which – as you’ll know – is easier said than done. We really struggled to find a mortgage, and when we did get one, it didn’t really add maximum value, nor did it give us a competitive interest rate. At that point it became my mission to ensure that business owners, company directors, people like me and you – people who risk it all to create something greater and better – are able to secure the perfect mortgage without the stress and worry that I went through.</p> </blockquote> <h2>What’s the next step?</h2> <p>The first step to securing any form of finance is a strategy call, where we can help define your financial goals and understand your circumstances.</p> <p>The outcome is always positive, if we can’t help you with finance now, we’ll help you prepare to maximise your chances in the future.</p> <p>In the mortgage world, failing to prepare is preparing to fail, which is why we recommend that you get in touch with us as soon as possible, even if you’re 1-2 years out from applying for your mortgage.</p> <p>The sooner you get in touch, the higher our chances of being able to help you.</p> ', 'company_logo' => '20230704_COMLOGO_1688476289.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 17 => object(App\Model\Entity\Job) { 'id' => (int) 73, 'candidate_id' => (int) 188, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Spellman Financial Services', 'slug' => 'spellman-financial-services', 'description' => '<p>Spellman Financial Services are Mortgage Advisors servicing the people of Coventry and Warwickshire. </p> <p>We pride ourselves on delivering an excellent service and expert right first time advice. 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Whether our client is a new start-up business, borrowing funds to expand or a property investor adding to an existing portfolio or simply someone looking to buy their first home, we treat all of our customers with the utmost respect and professionalism.</p> <p>We do not charge upfront fees for our initial consultation and advice as this is given freely on a no obligation basis.</p> <p>We understand and appreciate that each business is different and every client shall have their own unique situation and circumstances. So, whether out clients require finance to purchase and develop property, start-up a new venture, bridging finance to fund a short-term shortfall, additional funding to grow their business, asset and vehicle finance or even a mortgage, we will deliver a comprehensive suite of products and solutions to meet our clients’ needs.</p> <p>Capital 8 Finance are an independent specialist consultancy providing commercial and business finance support to SME clients throughout the entire UK. Whether your business is well established or a new start we can support you with:</p> <ul> <li>Asset Finance</li> <li>Business Loans</li> <li>Commercial Mortgages</li> <li>Invoice Finance</li> <li>Stock and Trade Finance</li> <li>Revolving Credit Facilities</li> <li>Merchant Cash Advance</li> </ul> <p>As a specialist broker, we also support property developers by sourcing finance for their developments and projects and assist landlords grow their property portfolios with:</p> <ul> <li>Buy-to-let Mortgages</li> <li>Specialist Mortgages</li> <li>Bridging Finance</li> <li>Property Development & Refurbishment Finance</li> <li>Mezzanine Finance</li> <li>Joint Venture (JV) Finance</li> </ul> <p>But that’s not all, we also can help with your mortgage needs. We can help arrange mortgages for:</p> <ul> <li>First Time Buyers</li> <li>People Moving Home</li> <li>Re-Mortgaging</li> <li>Regulated Bridging Finance</li> </ul> <p>At Capital 8 Finance we are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established lender partner network, we give you immediate access to over 300 UK based lenders and private banks. All our lending partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders.</p> <p>When your own bank has failed to offer the support, you need to call us. We will quickly assess all the available options for you, and we will do everything possible to find a workable and affordable business solution.</p> <p>Time and again we prove to our clients that we can secure funding where others fail and, in most cases, our advice will save you very significant amounts of money over the course of the loan. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from specialist brokers such as ourselves.</p> ', 'company_logo' => '20230915_COMLOGO_1694789097.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 19 => object(App\Model\Entity\Job) { 'id' => (int) 86, 'candidate_id' => (int) 236, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'HF ASSOCIATES', 'slug' => 'hf-associates', 'description' => '<p> <style type="text/css"><!--td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}--> </style> Helen Ferneyhough Associates, based in Wigan, offers expert mortgage and protection services to help you make a smart move in the housing market. With hand-picked advisers and a personalised approach, we have assisted clients in achieving their dream homes since 2006.</p> <p>As part of Just Mortgages Direct Limited, an appointed representative of The Openwork Partnership, we have access to a vast network of over 4,500 advisers, ensuring you receive the best advice tailored to your individual circumstances.</p> <p>Whether you're a first-time buyer, looking for equity release, or seeking protection, we're here to guide you every step of the way. Book your no-strings-attached mortgage consultation and secure your dream home today!</p> ', 'company_logo' => '20231106_COMLOGO_1699266882.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 20 => object(App\Model\Entity\Job) { 'id' => (int) 89, 'candidate_id' => (int) 240, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Kent Mortgage Advice & Protection', 'slug' => 'kent-mortgage-advice-protection', 'description' => '<p>At Kent Mortgage & Protection we understand the importance of getting advice you can understand, when you need it. </p> <p>We work flexibly around our clients lives and are happy to communicate by whatever means is easiest for you. We will always explain things fully in jargon free language you can understand. </p> <p>We will get to know you as people – and use an understanding of your needs / wants / future goals and circumstances to make sure we find the option that’s right for you. 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You are a busy person, and we understand that. That is why we have enabled multiple ways you can get in touch with us, and ways to manage your case from Enquiry to Completion.</p> <p>We can look after you over the phone, face to face or even via Web Meetings. We want to be there for you when you need us, not when it suits us! 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[[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 23 => object(App\Model\Entity\Job) { 'id' => (int) 103, 'candidate_id' => (int) 274, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Delato Finance Ltd', 'slug' => 'delato-finance-ltd', 'description' => '<h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true"> </h1> <h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true">Your Gateway to Property Finance</h1> <p> </p> <h2 data-custom-font="" data-is-italic-supported="" data-line-height="">Unlocking Opportunities with Tailored Financial Solutions</h2> ', 'company_logo' => '20241114_COMLOGO_1731575915.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'No', 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'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'David Cole - Equity Release Specialist', 'slug' => 'david-cole-equity-release-specialist', 'description' => '<h4 class="h4Green">David Cole - Equity Release Specialist</h4> <p><strong>I have been working in the Financial Services industry for over 35 years putting the client at the heart of</strong><img alt="" height="200" src="/webroot/img/userfiles/user_137/snipy1.PNG" style="float:right" width="343" /><strong> everything I do. I provide quality advice and world-class service to meet my client's needs.</strong></p> <p><strong>I have experience of working within the mainstream mortgage and protection industry but after gaining CeMAP and CeRER qualifications with distinctions I moved into the role of Equity Release Adviser.<br /> <br /> I have many client reviews that are testament to the outstanding customer experience that my clients receive from me on each and every occasion. As an Equity Release Adviser, I have helped hundreds of customers to utilise the equity in their home in order to achieve their goals, aspirations, and to enjoy a better quality of retirement.<br /> <br /> I am engaged by Viva Retirement Solutions and am proud to work for them as the company’s morals and ethics mirror my own and the company is highly regarded within the market and industry. I have also been listed in The Times in 2023 as a top adviser which is an achievement I am immensely proud of.</strong></p> <p><strong>Outside of work, I try to focus on my health and fitness and enjoy the lovely home I share with my fiance Debbie and our one-eyed cat Rocky! My other interests include listening to a wide range of music with my favourite artist of all time being Elvis Presley. I also love watching films and have a massive collection across many genres, my favourites being thrillers and horrors both old and new.</strong></p> <p> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_137/warning(1).PNG" width="1000" /></p> <p style="text-align:center"><img alt="David_cole_equity_release_adviser" src="/webroot/img/userfiles/user_137/badges.PNG" width="549" /></p> <p class="ParaBlack"> </p> <hr /> <h4 class="h4Black"><strong>David Cole Testimonials</strong></h4> <blockquote> <p><strong>“Extremely efficient and fast, good communication and considerate explanations at all stages. Would have no hesitation in recommending the services of David Cole.” - Mr Poingdestre</strong></p> </blockquote> <blockquote> <p><strong>“David Cole, the Equity Release Advisor who dealt with my application was excellent. There was no hard sell - simply clear and detailed information provided in an open and friendly manner. Nothing was too much trouble and all questions were answered and all anxieties addressed. The whole process from the initial telephone conversation was very efficient.” - Mrs Booth</strong></p> </blockquote> <blockquote> <p><strong>"First class service and help all the way through." - Miss Wass</strong></p> </blockquote> <blockquote> <p><strong>“David Cole was clear and concise about the changes we were about to make with respect to Equity Release changes. Paperwork arrived promptly via email. The Solicitor suggested by David handled the paperwork efficiently. Overall excellent service by all concerned. Thank you to everyone." - Janis and Ian Henderson</strong></p> </blockquote> <blockquote> <p><strong>Great service from David Cole who looked after us extremely well. I would certainly use the service again.” - David Hollom</strong></p> </blockquote> <blockquote> <p><strong>Before we started our Journey into Equity Release we looked at many companies providing this service. We choose David Cole. David Cole, took us through the process step by step and was always at the other end of the phone if we had a query. The other team members who dealt with other areas of the process gave us the same support. Everyone was professional and patient. There was quite a lot of paperwork but it was clear and easy to deal with. And here we are now. Life is as normal except for COVID. We are able now to complete our wish list with the extra funds. A BIG Thank You to David - Tom Tyne</strong></p> </blockquote> <blockquote> <p><strong>“The whole process was very professional, straightforward and surprisingly quick thanks to our adviser David Cole. David was extremely knowledgeable and talking things through with him confirmed we were making the right decisions. Would highly recommend David.” - Sylvia</strong></p> </blockquote> <blockquote> <p><strong>“David Cole helped us through the process of Equity Release. 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There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', (int) 50 => '545,546,547', (int) 60 => '640', (int) 51 => '596', (int) 35 => '8' ], (int) 42 => [ (int) 15 => '2', (int) 28 => '10756078', (int) 36 => '4 Severnvale', (int) 37 => '26028', (int) 38 => 'AL2 1TE', (int) 16 => '1B Yewlands Avenue', (int) 3 => '24578', (int) 29 => 'PR25 2TL', (int) 45 => '604664', (int) 19 => 'davidcole@vivaretirementsolutions.co.uk', (int) 17 => '07890652956', (int) 20 => 'https://www.vivaretirementsolutions.co.uk/', (int) 23 => 'https://www.linkedin.com/in/david-cole-63387415a/', (int) 48 => '539', (int) 55 => '570', (int) 52 => 'Experienced Lancashire based Lifetime Mortgage Adviser. Friendly, honest and professional. I offer a personal nationwide advisory service with my clients at the heart of everything I do. Accredited Later Life Lending Professional.', (int) 32 => '651,650,602', (int) 49 => '643', (int) 53 => 'Our fee for arranging a Lifetime mortgage is £750 payable only on completion.', (int) 50 => '545,546,547', (int) 60 => '598', (int) 51 => '596', (int) 35 => '8' ] ] $pcf_values_all = [ (int) 538 => 'Later life', (int) 539 => 'Mortgages', (int) 540 => 'Commercial', (int) 541 => 'Insurance', (int) 542 => 'Initial or Ongoing Consultation Fees', (int) 543 => 'Free Consultations', (int) 555 => 'Inheritance Tax Planning', (int) 556 => 'Buy to Let', (int) 557 => 'Business Protection', (int) 558 => 'Care Plans', (int) 560 => 'International Wealth Management', (int) 561 => 'Retirement Planning', (int) 562 => 'Protection', (int) 563 => 'Investment Planning', (int) 564 => 'Trusts', (int) 565 => 'Will Writing', (int) 566 => 'Wealth Management', (int) 567 => 'Bridging Loans', (int) 568 => 'Commercial Finance', (int) 569 => 'Development Loans', (int) 570 => 'Equity Release', (int) 571 => 'First Time buyer', (int) 572 => 'High Net-Worth Mortgages', (int) 573 => 'Home Mover Mortgages', (int) 574 => 'New Build Home Mortgages', (int) 575 => 'Remortgage', (int) 576 => 'Second Charge Loans', (int) 577 => 'Self-employed mortgages', (int) 578 => 'Business Whole of Life', (int) 579 => 'Critical Illness cover', (int) 580 => 'Health Insurance', (int) 581 => 'Home insurance', (int) 582 => 'Income Protection', (int) 583 => 'Key man Insurance', (int) 584 => 'Landlord Insurance', (int) 585 => 'Shareholder protection insurance', (int) 586 => 'Whole of Life Insurance', (int) 587 => 'Estate Planning', (int) 588 => 'Power of Attorney', (int) 589 => 'Probate Services', (int) 590 => 'Trusts', (int) 591 => 'Will Writers', (int) 630 => 'Financial', (int) 641 => 'Life Insurance', (int) 642 => 'Pension Transfers', (int) 643 => 'No obligation consultation', (int) 677 => 'Initial fee free consultation', (int) 681 => 'Mortgage Capacity Reports' ] $towns_list = [ (int) 0 => object(App\Model\Entity\Town) { 'id' => (int) 7428, 'name' => 'Canary Wharf', 'slug' => 'canary-wharf-greater-london-537637', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ376801', 'easting' => (int) 537637, 'northing' => (int) 180159, 'latitude' => (float) 51.50361, 'longitude' => (float) -0.01833, 'elevation' => (int) 39, 'postcode_sector' => 'E14 5', 'local_government_area' => 'Tower Hamlets', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 1 => object(App\Model\Entity\Town) { 'id' => (int) 8178, 'name' => 'Chaddlewood', 'slug' => 'chaddlewood-devon-255440', 'county' => 'Devon', 'county_slug' => 'devon-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SX554562', 'easting' => (int) 255440, 'northing' => (int) 56231, 'latitude' => (float) 50.38815, 'longitude' => (float) -4.0349, 'elevation' => (int) 65, 'postcode_sector' => 'PL7 2', 'local_government_area' => 'City of Plymouth', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 2 => object(App\Model\Entity\Town) { 'id' => (int) 8510, 'name' => 'Chedzoy', 'slug' => 'chedzoy-somerset-333982', 'county' => 'Somerset', 'county_slug' => 'somerset-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'ST339375', 'easting' => (int) 333982, 'northing' => (int) 137501, 'latitude' => (float) 51.13296, 'longitude' => (float) -2.94489, 'elevation' => (int) 10, 'postcode_sector' => 'TA7 8', 'local_government_area' => 'Sedgemoor District', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 3 => object(App\Model\Entity\Town) { 'id' => (int) 8531, 'name' => 'Chelmsford', 'slug' => 'chelmsford-essex-570897', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TL708071', 'easting' => (int) 570897, 'northing' => (int) 207155, 'latitude' => (float) 51.73705, 'longitude' => (float) 0.47361, 'elevation' => (int) 29, 'postcode_sector' => 'CM1 1', 'local_government_area' => 'Chelmsford District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 4 => object(App\Model\Entity\Town) { 'id' => (int) 9571, 'name' => 'Coatbridge', 'slug' => 'coatbridge-lanarkshire-273102', 'county' => 'Lanarkshire', 'county_slug' => 'lanarkshire-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS731651', 'easting' => (int) 273102, 'northing' => (int) 665104, 'latitude' => (float) 55.86236, 'longitude' => (float) -4.02914, 'elevation' => (int) 84, 'postcode_sector' => 'ML5 3', 'local_government_area' => 'North Lanarkshire', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 5 => object(App\Model\Entity\Town) { 'id' => (int) 10355, 'name' => 'Corringham', 'slug' => 'corringham-essex-569985', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ699835', 'easting' => (int) 569985, 'northing' => (int) 183562, 'latitude' => (float) 51.52539, 'longitude' => (float) 0.44897, 'elevation' => (int) 24, 'postcode_sector' => 'SS17 7', 'local_government_area' => 'Thurrock', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 6 => object(App\Model\Entity\Town) { 'id' => (int) 10579, 'name' => 'Coventry', 'slug' => 'coventry-west-midlands-433644', 'county' => 'West Midlands', 'county_slug' => 'west-midlands-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SP336789', 'easting' => (int) 433644, 'northing' => (int) 278970, 'latitude' => (float) 52.40771, 'longitude' => (float) -1.50686, 'elevation' => (int) 91, 'postcode_sector' => 'CV1 5', 'local_government_area' => 'Coventry District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 7 => object(App\Model\Entity\Town) { 'id' => (int) 13073, 'name' => 'Dundee', 'slug' => 'dundee-city-of-dundee-340093', 'county' => 'City of Dundee', 'county_slug' => 'city-of-dundee-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NO400300', 'easting' => (int) 340093, 'northing' => (int) 730009, 'latitude' => (float) 56.45841, 'longitude' => (float) -2.97367, 'elevation' => (int) 16, 'postcode_sector' => 'DD1 4', 'local_government_area' => 'Dundee City', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 8 => object(App\Model\Entity\Town) { 'id' => (int) 13095, 'name' => 'Dungannon', 'slug' => 'dungannon-county-tyrone-279738', 'county' => 'County Tyrone', 'county_slug' => 'county-tyrone-northern-ireland', 'nuts_region' => 'Northern Ireland', 'nuts_region_slug' => 'northern-ireland-northern-ireland', 'country' => 'Northern Ireland', 'country_slug' => 'northern-ireland', 'grid_reference' => 'H797619', 'easting' => (int) 279738, 'northing' => (int) 361982, 'latitude' => (float) 54.5, 'longitude' => (float) -6.77, 'elevation' => (int) 71, 'postcode_sector' => 'BT71 7', 'local_government_area' => 'Mid Ulster', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 9 => object(App\Model\Entity\Town) { 'id' => (int) 14754, 'name' => 'Fallin', 'slug' => 'fallin-stirling-and-falkirk-283520', 'county' => 'Stirling and Falkirk', 'county_slug' => 'stirling-and-falkirk-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS835917', 'easting' => (int) 283520, 'northing' => (int) 691716, 'latitude' => (float) 56.10397, 'longitude' => (float) -3.87431, 'elevation' => (int) 13, 'postcode_sector' => 'FK7 7', 'local_government_area' => 'Stirling', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 10 => object(App\Model\Entity\Town) { 'id' => (int) 15510, 'name' => 'Folkestone', 'slug' => 'folkestone-kent-622846', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TR228361', 'easting' => (int) 622846, 'northing' => (int) 136189, 'latitude' => (float) 51.08172, 'longitude' => (float) 1.18028, 'elevation' => (int) 26, 'postcode_sector' => 'CT20 1', 'local_government_area' => 'Shepway District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 11 => object(App\Model\Entity\Town) { 'id' => (int) 23649, 'name' => 'Knutsford', 'slug' => 'knutsford-cheshire-375123', 'county' => 'Cheshire', 'county_slug' => 'cheshire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ751785', 'easting' => (int) 375123, 'northing' => (int) 378529, 'latitude' => (float) 53.30312, 'longitude' => (float) -2.37476, 'elevation' => (int) 68, 'postcode_sector' => 'WA16 0', 'local_government_area' => 'Cheshire East', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 12 => object(App\Model\Entity\Town) { 'id' => (int) 24578, 'name' => 'Leyland', 'slug' => 'leyland-lancashire-354177', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD541216', 'easting' => (int) 354177, 'northing' => (int) 421644, 'latitude' => (float) 53.68922, 'longitude' => (float) -2.69536, 'elevation' => (int) 46, 'postcode_sector' => 'PR25 3', 'local_government_area' => 'South Ribble District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 13 => object(App\Model\Entity\Town) { 'id' => (int) 26025, 'name' => 'London', 'slug' => 'london-greater-london-532473', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ324812', 'easting' => (int) 532473, 'northing' => (int) 181219, 'latitude' => (float) 51.51437, 'longitude' => (float) -0.09229, 'elevation' => (int) 31, 'postcode_sector' => 'EC2V 8', 'local_government_area' => 'City of London', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 14 => object(App\Model\Entity\Town) { 'id' => (int) 30211, 'name' => 'Newcastle-under-Lyme', 'slug' => 'newcastle-under-lyme-staffordshire-384799', 'county' => 'Staffordshire', 'county_slug' => 'staffordshire-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ847460', 'easting' => (int) 384799, 'northing' => (int) 346008, 'latitude' => (float) 53.01116, 'longitude' => (float) -2.22801, 'elevation' => (int) 133, 'postcode_sector' => 'ST5 1', 'local_government_area' => 'Newcastle-under-Lyme District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 15 => object(App\Model\Entity\Town) { 'id' => (int) 32393, 'name' => 'Oxted', 'slug' => 'oxted-surrey-539389', 'county' => 'Surrey', 'county_slug' => 'surrey-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ393528', 'easting' => (int) 539389, 'northing' => (int) 152880, 'latitude' => (float) 51.25805, 'longitude' => (float) -0.0038, 'elevation' => (int) 105, 'postcode_sector' => 'RH8 0', 'local_government_area' => 'Tandridge District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 16 => object(App\Model\Entity\Town) { 'id' => (int) 32424, 'name' => 'Paddock Wood', 'slug' => 'paddock-wood-kent-567086', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ670451', 'easting' => (int) 567086, 'northing' => (int) 145186, 'latitude' => (float) 51.18149, 'longitude' => (float) 0.38921, 'elevation' => (int) 16, 'postcode_sector' => 'TN12 6', 'local_government_area' => 'Tunbridge Wells District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 17 => object(App\Model\Entity\Town) { 'id' => (int) 33455, 'name' => 'Petersfield', 'slug' => 'petersfield-hampshire-474632', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU746232', 'easting' => (int) 474632, 'northing' => (int) 123266, 'latitude' => (float) 51.00395, 'longitude' => (float) -0.93771, 'elevation' => (int) 66, 'postcode_sector' => 'GU32 3', 'local_government_area' => 'East Hampshire District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 18 => object(App\Model\Entity\Town) { 'id' => (int) 34494, 'name' => 'Preston', 'slug' => 'preston-lancashire-354046', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD540295', 'easting' => (int) 354046, 'northing' => (int) 429582, 'latitude' => (float) 53.76055, 'longitude' => (float) -2.69853, 'elevation' => (int) 44, 'postcode_sector' => 'PR1 2', 'local_government_area' => 'Preston District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 19 => object(App\Model\Entity\Town) { 'id' => (int) 37478, 'name' => 'Sheffield', 'slug' => 'sheffield-south-yorkshire-435449', 'county' => 'South Yorkshire', 'county_slug' => 'south-yorkshire-yorkshire-and-the-humber', 'nuts_region' => 'Yorkshire and the Humber', 'nuts_region_slug' => 'yorkshire-and-the-humber-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SK354874', 'easting' => (int) 435449, 'northing' => (int) 387427, 'latitude' => (float) 53.38251, 'longitude' => (float) -1.46854, 'elevation' => (int) 83, 'postcode_sector' => 'S1 1', 'local_government_area' => 'Sheffield District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 20 => object(App\Model\Entity\Town) { 'id' => (int) 46508, 'name' => 'Whiteley', 'slug' => 'whiteley-hampshire-452343', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU523093', 'easting' => (int) 452343, 'northing' => (int) 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We are committed to providing the best customer service and with access to a wide range of providers across the UK, we can ensure you receive the most competitive rate available to you, whilst ensuring the product meets your requirements.</p> <p>We do not charge a broker fee and we are whole of market.</p> <p>We aim to provide an honest, reliable, efficient and hassle-free service tailored to the unique requirements of each individual client. 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TMFS Protection Adviser of the year 2022.</p> <quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230201_COMLOGO_1675254129.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 6 => object(App\Model\Entity\Job) { 'id' => (int) 50, 'candidate_id' => (int) 143, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 3, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 3, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Glade Financial', 'slug' => 'glade-financial', 'description' => '<h4 class="h4Pink"><strong>About Gosia:</strong></h4> <p>My mission is to make you feel confident about money and your future, to teach you to be financially savvy with the knowledge of how to manage your own money. I want to help you to change your life, secure a better future and maintain the lifestyle you want. I want to empower you to feel wealthy.</p> <h4 class="h4Pink"><strong>Glade Financial:</strong></h4> <p>At Glade Financial we offer financial planning and guidance services that fit around you and your goals. We will guide you and your family towards your truly successful financial future and deliver intelligent wealth management solutions while protecting you from the unexpected.<br /> <br /> We will begin with a free no-obligation consultation to understand your circumstances and needs and if the service we provide is right for you. Afterwards, we will prepare a report of recommendations based on the information we gathered. If you decide to go with our advice, we will take care of the fund implementation and policy administration for a fuss-free process.<br /> <br /> We can never predict the future but we can make sure you are ready for whatever the future brings. We will break down the complexity of financial management and give you the clarity and guidelines you need.</p> <h4 class="h4Pink"><strong>Our Promise:</strong></h4> <ul> <li>Putting you first, always</li> <li>Responsive to your needs</li> <li>Collaborating with you every step of the way</li> <li>Building lasting relationship</li> </ul> <p>I invite you to contact me today to find out more!</p> <p class="ParaPink"><strong>I am the director and Independent Financial Adviser at Glade Financial, which is an Appointed Representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566.<br /> The performance of your investments is subject to risks. Past performance and forecasts are not reliable indicators of future performance. Tax treatment depends on your individual circumstances and may change. Capital at risk.</strong></p> <p class="ParaPink"> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_143/gd.PNG" width="1000" /></p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230203_COMLOGO_1675428759.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 7 => object(App\Model\Entity\Job) { 'id' => (int) 54, 'candidate_id' => (int) 154, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'How? Financial Review', 'slug' => 'how-financial-review', 'description' => '<h2 class="h2Black" style="text-align: center;">How? Financial Review</h2> <p><strong>We provide expert mortgage and protection advice that you can trust. We take pride in offering a personal service and providing our clients with peace of mind that they are receiving quality products, tailored to their requirements and budget and that are fit for purpose.</strong></p> <p><strong>At How Financial Review (Stockport) Ltd, we offer a personal service that is convenient and worked round our client’s busy schedules. We are happy to carry out reviews and organise policies either over the telephone, virtually or face to face in the comfort of your own home. </strong></p> <p><strong>We aim to make signing up for any of our services as quick and as convenient as possible. As well as looking after our loyal base of existing clients, we provide friendly, honest advice to new clients, the majority of which come to us from word of mouth recommendations.</strong></p> <h5 class="h5Yellow" style="text-align: center;">Better Call Paul</h5> <p><img alt="better call paul protection insurance" src="/webroot/img/userfiles/user_154/bettercallpaulprotection.jpg" style="float:left" width="500" /><img alt="better call paul income protection" src="/webroot/img/userfiles/user_154/incomeprotection.jpg" style="float:right" width="500" /></p> <p><img alt="bettercallpaulincomeprotectioninsurance" src="/webroot/img/userfiles/user_154/bettercallpaulincome.jpg" style="float:right" width="500" /><img alt="bettercallpaulbusinessinsurance" src="/webroot/img/userfiles/user_154/bettercallpaulbusiness.jpg" style="float:left" width="500" /></p> <p> </p> <p> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230208_COMLOGO_1675882092.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 8 => object(App\Model\Entity\Job) { 'id' => (int) 55, 'candidate_id' => (int) 144, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 3, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 3, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'James Parvin Mortgages', 'slug' => 'james-parvin-mortgages', 'description' => '<p style="text-align: center;"><strong>Offering a fresh, friendly and stress free approach to organising your mortgage in the UK.</strong></p> <p style="text-align: center;"><strong>Get in touch today for your fee-free, initial, no-obligation consultation to help you find a tailor made solution that's right for you and your situation.</strong></p> <h2 class="h2Green" style="text-align: center;">Hi, I am James Parvin!</h2> <p style="text-align: center;">I have been in the Financial Services industry for over 30 years. I have a Degree in Law and History. I have worked in a solicitors office, as well estate agencies as well as with Banks, such as Halifax, Tesco Bank and Santander.</p> <p style="text-align: center;">I am very experienced in understanding the full house buying/selling process from start to finish.</p> <p style="text-align: center;">I like talking to and helping people. Outside of work I enjoy volunteering having helped at the Glasgow Commonwealth Games in 2014, World Gymnastics Championships, World Badminton Championships, European Championships, to name a few, as well as Scottish Rugby and Badminton Scotland.</p> <p style="text-align: center;">My wife and I enjoy travelling be it for weekends away or to more exotic destinations such as Turkey, Spain and hopefully Australia. We also have our hands full with our 2 year old Cockapoo, Alfie!</p> <h2 class="h2Green" style="text-align: center;">Our Services</h2> <p style="text-align: center;">We provide a wide range of professional services to meet your needs. We promise to provide every service with a smile, and to your highest level of satisfaction.</p> <h5 class="h5Green" style="text-align: center;">First Time Buyers</h5> <p style="text-align: center;">As a first time home buyer we are here 100% to hold your hand through getting a mortgage as well as dealing with solicitors and estate agents.</p> <p style="text-align: center;">Want to get that straightforward and jargon free service?</p> <h5 class="h5Green" style="text-align: center;">Home mover </h5> <p style="text-align: center;">Do you think you need more space or the total opposite and want to downsize?</p> <p style="text-align: center;">Let James Parvin Mortgages talk through solutions that could help you!</p> <h5 class="h5Green" style="text-align: center;">Remortgage</h5> <p style="text-align: center;">Switching contracts and products is common in other areas of your life but is often overlooked when it comes to your current mortgage.</p> <p style="text-align: center;">We’re here to make that easy!</p> <h5 class="h5Green" style="text-align: center;">Buy to Let</h5> <p style="text-align: center;">Looking to build a Monopoly-esque property portfolio, renting your old place out or just looking to invest in your future?</p> <p style="text-align: center;">James Parvin Mortgages should be the first call you make.</p> <h5 class="h5Green" style="text-align: center;">Protection</h5> <p style="text-align: center;">Making sure you can keep your home is just as important as buying it. That’s why we’ll also look at your protection needs, such as Life Insurance and Income Protection, to make sure you can afford to keep your home should life throw you a curve ball.</p> <h5 class="h5Pink" style="text-align: center;">Your home/property may be repossessed if you do not keep up repayments on your mortgage.</h5> <h5 class="h5Pink" style="text-align: center;">*Some buy to let, let to buy mortgages and bridging finance are not regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">James Parvin Mortgages Ltd Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.</h5> <h5 class="h5Pink" style="text-align: center;">Registered Office: James Parvin Mortgages Ltd, 1 Heathery Lea Avenue, Coatbridge, ML5 4JT. Registered Company Number: SC734214 Registered in Scotland</h5> <p style="text-align: center;"> </p> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230209_COMLOGO_1675938078.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 9 => object(App\Model\Entity\Job) { 'id' => (int) 59, 'candidate_id' => (int) 160, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 1, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 1, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Mewstone Mortgage Advice', 'slug' => 'mewstone-mortgage-advice', 'description' => '<h2 class="h2Black" style="text-align: center;">EXPERIENCED MORTGAGE ADVISORS IN PLYMOUTH</h2> <p style="text-align: center;">We are a local team of 3, we were all born and raised in Plymouth. Now bringing up our own families in the area, we wanted to focus our mission around helping other families in Plymouth and surrounding areas achieve their dreams and ensure they’re protected.</p> <p style="text-align: center;">When we say we are an independent broker, we truly are. We work with the whole of market, meaning we can access lenders that aren’t on the High Street, that may be online or specialists that you wouldn’t have thought of. Unlike other brokers or your bank we can be completely unbiased about your mortgage and protection needs.</p> <p style="text-align: center;">As locals ourselves, we are heavily involved with local goings on. Nathan is a big rugby fan, and can be found playing for his local team. Charlie is a trampoline champion who loves to cook. Mark on the other hand can be found at the beach surfing away his spare time!</p> <p style="text-align: center;">Even if you aren’t local to the Plymouth area, you can still be part of the Mewstone family. We can service the whole of the UK with the help of technology.</p> <hr /> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture.PNG" width="1355" /></p> <p> </p> <h2 class="h2Black">What we can help with:</h2> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture2.PNG" width="1017" /></p> <p style="text-align: center;">We are passionate about our local area, we grew up here, and are now bringing our families up in the area. 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Whether it be a full involvement in the purchase of a new property (including negotiating on purchase prices, dealing with chains, dealing with solicitors etc.) Or re-mortgaging your property and/or raising funds for any legal purpose. I will be your only point of contact throughout the process.</p> <hr /> <p><strong>THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME/PROPERTY. YOUR HOME OR<br /> PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong>. </p> <h5 class="h5Pink" style="margin: 0cm;">Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345</h5> <quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230222_COMLOGO_1677073058.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 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reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 11 => object(App\Model\Entity\Job) { 'id' => (int) 61, 'candidate_id' => (int) 163, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Joe Manns-Benson at Largemortgageloans.com', 'slug' => 'joe-manns-benson-at-largemortgageloans-com', 'description' => '<p>Every client is unique and has different financial solutions.</p> <p>Here at largemortgageloans.com we are committed to 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These type of clients do not fit high street orders and need specialist advice which I can provide.</strong></p> <h5 class="h5Pink" style="text-align: center;"><strong>When your bank or building society says ‘No’ to your application because you don’t fit the mould, we aim to get the ‘Yes’ you’re looking for.</strong></h5> <h5 class="h5Pink" style="text-align: center;"><strong>UK Lending helps you apply for complex mortgages and property-secured loans, from specialist lenders who may well look on your application more favourably than middle-of-the-road high street lenders.</strong></h5> <p style="text-align: center;"><strong>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong></p> <hr /> <p style="text-align:center"><img alt="Uk Lending" src="/webroot/img/userfiles/user_168/Capture.PNG" width="1215" /></p> <p><img alt="Uklending buy to let" height="287" src="/webroot/img/userfiles/user_168/captir2.PNG" style="float:left" width="500" /></p> <p><img alt="Uk lending 3" height="320" src="/webroot/img/userfiles/user_168/Capture3.PNG" style="float:right" width="500" /></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> ', 'company_logo' => '20230330_COMLOGO_1680179241.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 14 => object(App\Model\Entity\Job) { 'id' => (int) 66, 'candidate_id' => (int) 169, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Darius Stonkus @ Jones and Young', 'slug' => 'darius-stonkus-jones-and-young', 'description' => '<h5 class="h5Yellow">Jones & Young are Independent Mortgage Brokers based in Petersfield, Hampshire covering the whole of the UK.</h5> <h5 class="h5Black">Ultimately my role involves dealing with real people that have real life problems, desires and million other things going on in their everyday lives. As buying a HOME is always a BIG decision, especially if it is your first one I want to make sure that the process runs smoothly and you are informed all the way along the journey. It is especially satisfying when a person that never thought it was possible gets the keys to their property.<br /> <br /> However, we don’t just leave it there as new large financial commitments create liabilities that need to be “neutralised”. You will get an impartial and FREE advice about insurance solutions to protect your financial wellbeing that you have worked so hard for.<br /> <br /> If you are a paid via CIS, contractor, ltd director, have had a financial blip in the past or any combination of the above, I want to hear from you.<br /> However, be brave and get in touch even if you do not fit the above description as I have helped people with employed incomes as well.<br /> <br /> Just so you know there is a real person behind this profile pic ! I know crazy. When I’m not on the phone or my laptop you will find me doing pull ups and push ups, reading books about human body and parenting, eating my own cooked good food, checking the news out, posting stuff on TikTok and a bunch of other stuff.</h5> ', 'company_logo' => '20230421_COMLOGO_1682071071.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 15 => object(App\Model\Entity\Job) { 'id' => (int) 68, 'candidate_id' => (int) 170, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 4, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 4, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ben Davies - City Finance Brokers', 'slug' => 'ben-davies-city-finance-brokers', 'description' => '<h5 class="h5Green">Impartial and independent advice on your bridging finance requirements:</h5> <ul> <li> <h5 class="h5Green">Property Finance</h5> </li> <li> <h5 class="h5Green">Property Development</h5> </li> <li> <h5 class="h5Green">Property Investment Finance</h5> </li> </ul> <h5 class="h5Pink">ben.davies@cfbrokers.co.uk</h5> <h5 class="h5Pink">07376 972 391</h5> ', 'company_logo' => '20230630_COMLOGO_1688118133.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 16 => object(App\Model\Entity\Job) { 'id' => (int) 69, 'candidate_id' => (int) 173, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Active Financial', 'slug' => 'active-financial', 'description' => '<h2 class="h2Green">The Self Employed Finance Specialists</h2> <p>At Active, we exist to help business owners, entrepreneurs and company directors to secure mortgages and protection quickly, easily and without distracting you from your business and your family. <img alt="Active Financial" src="/webroot/img/userfiles/user_173/Untitled%20design%20(20).png" style="float:right" width="200" /></p> <h2 class="h2Green">What can Active Financial do for you?</h2> <p>Go to most mortgage brokers and lenders and you’ll find that getting a mortgage as a self-employed business owner is tough.</p> <p>You’ve probably already realised that.</p> <p>The truth is that the world of mortgages isn’t set up for people who run their businesses, which can make getting a mortgage for people like you harder.</p> <p>But we can help you make it happen.</p> <p>Because we specialise in this exact area, we know what other brokers don’t.</p> <h2>How Do Active help you?</h2> <p>Over the years we’ve worked with business owners, we’ve built a strategic process that gives you the best chance of getting the finance that suits you and your families circumstances.</p> <p>We call it the ACTIVE framework, and it works, time and time again.</p> <p>No matter what type of finance you’re looking for, the framework serves to secure the best deal for you, as quickly and efficiently as possible.</p> <p>We know what buttons to press, what products to apply for and exactly how you need to get your ducks in a row in order to achieve the finance you need for the home you want.</p> <p>Whether you’re looking for your first home, your forever home, to invest in property, or protect your business or family, we can help, by putting you on the right track towards acceptance, and dealing with the entire process, so you can focus on doing what you do best.</p> <p>When you work with Active, we reduce your stress and save you time.</p> <p>No longer do you have to ring around to try and find lenders who might service you, or spend hours on the phone to brokers.</p> <h2>Why are Active Financial so good at helping people like you?</h2> <p>Because we <strong>ARE</strong> people like you. Here’s our founder Gary’s story:</p> <blockquote> <p class="Quotation14Green">I qualified to provide mortgage advice in 2002, launching Active Mortgage in 2008. But it wasn’t until in 2015, we realised firsthand how hard it is to get a mortgage when you’re self-employed. My wife Ayesha was a sole trader at the time, and I was running Active, and we wanted to buy our own home. Which – as you’ll know – is easier said than done. We really struggled to find a mortgage, and when we did get one, it didn’t really add maximum value, nor did it give us a competitive interest rate. At that point it became my mission to ensure that business owners, company directors, people like me and you – people who risk it all to create something greater and better – are able to secure the perfect mortgage without the stress and worry that I went through.</p> </blockquote> <h2>What’s the next step?</h2> <p>The first step to securing any form of finance is a strategy call, where we can help define your financial goals and understand your circumstances.</p> <p>The outcome is always positive, if we can’t help you with finance now, we’ll help you prepare to maximise your chances in the future.</p> <p>In the mortgage world, failing to prepare is preparing to fail, which is why we recommend that you get in touch with us as soon as possible, even if you’re 1-2 years out from applying for your mortgage.</p> <p>The sooner you get in touch, the higher our chances of being able to help you.</p> ', 'company_logo' => '20230704_COMLOGO_1688476289.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 17 => object(App\Model\Entity\Job) { 'id' => (int) 73, 'candidate_id' => (int) 188, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Spellman Financial Services', 'slug' => 'spellman-financial-services', 'description' => '<p>Spellman Financial Services are Mortgage Advisors servicing the people of Coventry and Warwickshire. </p> <p>We pride ourselves on delivering an excellent service and expert right first time advice. 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Whether our client is a new start-up business, borrowing funds to expand or a property investor adding to an existing portfolio or simply someone looking to buy their first home, we treat all of our customers with the utmost respect and professionalism.</p> <p>We do not charge upfront fees for our initial consultation and advice as this is given freely on a no obligation basis.</p> <p>We understand and appreciate that each business is different and every client shall have their own unique situation and circumstances. So, whether out clients require finance to purchase and develop property, start-up a new venture, bridging finance to fund a short-term shortfall, additional funding to grow their business, asset and vehicle finance or even a mortgage, we will deliver a comprehensive suite of products and solutions to meet our clients’ needs.</p> <p>Capital 8 Finance are an independent specialist consultancy providing commercial and business finance support to SME clients throughout the entire UK. Whether your business is well established or a new start we can support you with:</p> <ul> <li>Asset Finance</li> <li>Business Loans</li> <li>Commercial Mortgages</li> <li>Invoice Finance</li> <li>Stock and Trade Finance</li> <li>Revolving Credit Facilities</li> <li>Merchant Cash Advance</li> </ul> <p>As a specialist broker, we also support property developers by sourcing finance for their developments and projects and assist landlords grow their property portfolios with:</p> <ul> <li>Buy-to-let Mortgages</li> <li>Specialist Mortgages</li> <li>Bridging Finance</li> <li>Property Development & Refurbishment Finance</li> <li>Mezzanine Finance</li> <li>Joint Venture (JV) Finance</li> </ul> <p>But that’s not all, we also can help with your mortgage needs. We can help arrange mortgages for:</p> <ul> <li>First Time Buyers</li> <li>People Moving Home</li> <li>Re-Mortgaging</li> <li>Regulated Bridging Finance</li> </ul> <p>At Capital 8 Finance we are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established lender partner network, we give you immediate access to over 300 UK based lenders and private banks. All our lending partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders.</p> <p>When your own bank has failed to offer the support, you need to call us. We will quickly assess all the available options for you, and we will do everything possible to find a workable and affordable business solution.</p> <p>Time and again we prove to our clients that we can secure funding where others fail and, in most cases, our advice will save you very significant amounts of money over the course of the loan. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from specialist brokers such as ourselves.</p> ', 'company_logo' => '20230915_COMLOGO_1694789097.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 19 => object(App\Model\Entity\Job) { 'id' => (int) 86, 'candidate_id' => (int) 236, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'HF ASSOCIATES', 'slug' => 'hf-associates', 'description' => '<p> <style type="text/css"><!--td {border: 1px solid #cccccc;}br {mso-data-placement:same-cell;}--> </style> Helen Ferneyhough Associates, based in Wigan, offers expert mortgage and protection services to help you make a smart move in the housing market. With hand-picked advisers and a personalised approach, we have assisted clients in achieving their dream homes since 2006.</p> <p>As part of Just Mortgages Direct Limited, an appointed representative of The Openwork Partnership, we have access to a vast network of over 4,500 advisers, ensuring you receive the best advice tailored to your individual circumstances.</p> <p>Whether you're a first-time buyer, looking for equity release, or seeking protection, we're here to guide you every step of the way. Book your no-strings-attached mortgage consultation and secure your dream home today!</p> ', 'company_logo' => '20231106_COMLOGO_1699266882.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 20 => object(App\Model\Entity\Job) { 'id' => (int) 89, 'candidate_id' => (int) 240, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Kent Mortgage Advice & Protection', 'slug' => 'kent-mortgage-advice-protection', 'description' => '<p>At Kent Mortgage & Protection we understand the importance of getting advice you can understand, when you need it. </p> <p>We work flexibly around our clients lives and are happy to communicate by whatever means is easiest for you. We will always explain things fully in jargon free language you can understand. </p> <p>We will get to know you as people – and use an understanding of your needs / wants / future goals and circumstances to make sure we find the option that’s right for you. 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You are a busy person, and we understand that. That is why we have enabled multiple ways you can get in touch with us, and ways to manage your case from Enquiry to Completion.</p> <p>We can look after you over the phone, face to face or even via Web Meetings. We want to be there for you when you need us, not when it suits us! 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[[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 23 => object(App\Model\Entity\Job) { 'id' => (int) 103, 'candidate_id' => (int) 274, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Delato Finance Ltd', 'slug' => 'delato-finance-ltd', 'description' => '<h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true"> </h1> <h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true">Your Gateway to Property Finance</h1> <p> </p> <h2 data-custom-font="" data-is-italic-supported="" data-line-height="">Unlocking Opportunities with Tailored Financial Solutions</h2> ', 'company_logo' => '20241114_COMLOGO_1731575915.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'No', 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'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'David Cole - Equity Release Specialist', 'slug' => 'david-cole-equity-release-specialist', 'description' => '<h4 class="h4Green">David Cole - Equity Release Specialist</h4> <p><strong>I have been working in the Financial Services industry for over 35 years putting the client at the heart of</strong><img alt="" height="200" src="/webroot/img/userfiles/user_137/snipy1.PNG" style="float:right" width="343" /><strong> everything I do. I provide quality advice and world-class service to meet my client's needs.</strong></p> <p><strong>I have experience of working within the mainstream mortgage and protection industry but after gaining CeMAP and CeRER qualifications with distinctions I moved into the role of Equity Release Adviser.<br /> <br /> I have many client reviews that are testament to the outstanding customer experience that my clients receive from me on each and every occasion. As an Equity Release Adviser, I have helped hundreds of customers to utilise the equity in their home in order to achieve their goals, aspirations, and to enjoy a better quality of retirement.<br /> <br /> I am engaged by Viva Retirement Solutions and am proud to work for them as the company’s morals and ethics mirror my own and the company is highly regarded within the market and industry. I have also been listed in The Times in 2023 as a top adviser which is an achievement I am immensely proud of.</strong></p> <p><strong>Outside of work, I try to focus on my health and fitness and enjoy the lovely home I share with my fiance Debbie and our one-eyed cat Rocky! My other interests include listening to a wide range of music with my favourite artist of all time being Elvis Presley. I also love watching films and have a massive collection across many genres, my favourites being thrillers and horrors both old and new.</strong></p> <p> </p> <p style="text-align:center"><img alt="" src="/webroot/img/userfiles/user_137/warning(1).PNG" width="1000" /></p> <p style="text-align:center"><img alt="David_cole_equity_release_adviser" src="/webroot/img/userfiles/user_137/badges.PNG" width="549" /></p> <p class="ParaBlack"> </p> <hr /> <h4 class="h4Black"><strong>David Cole Testimonials</strong></h4> <blockquote> <p><strong>“Extremely efficient and fast, good communication and considerate explanations at all stages. Would have no hesitation in recommending the services of David Cole.” - Mr Poingdestre</strong></p> </blockquote> <blockquote> <p><strong>“David Cole, the Equity Release Advisor who dealt with my application was excellent. There was no hard sell - simply clear and detailed information provided in an open and friendly manner. Nothing was too much trouble and all questions were answered and all anxieties addressed. The whole process from the initial telephone conversation was very efficient.” - Mrs Booth</strong></p> </blockquote> <blockquote> <p><strong>"First class service and help all the way through." - Miss Wass</strong></p> </blockquote> <blockquote> <p><strong>“David Cole was clear and concise about the changes we were about to make with respect to Equity Release changes. Paperwork arrived promptly via email. The Solicitor suggested by David handled the paperwork efficiently. Overall excellent service by all concerned. Thank you to everyone." - Janis and Ian Henderson</strong></p> </blockquote> <blockquote> <p><strong>Great service from David Cole who looked after us extremely well. I would certainly use the service again.” - David Hollom</strong></p> </blockquote> <blockquote> <p><strong>Before we started our Journey into Equity Release we looked at many companies providing this service. We choose David Cole. David Cole, took us through the process step by step and was always at the other end of the phone if we had a query. The other team members who dealt with other areas of the process gave us the same support. Everyone was professional and patient. There was quite a lot of paperwork but it was clear and easy to deal with. And here we are now. Life is as normal except for COVID. We are able now to complete our wish list with the extra funds. A BIG Thank You to David - Tom Tyne</strong></p> </blockquote> <blockquote> <p><strong>“The whole process was very professional, straightforward and surprisingly quick thanks to our adviser David Cole. David was extremely knowledgeable and talking things through with him confirmed we were making the right decisions. Would highly recommend David.” - Sylvia</strong></p> </blockquote> <blockquote> <p><strong>“David Cole helped us through the process of Equity Release. 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There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', (int) 50 => '545,546,547', (int) 60 => '640', (int) 51 => '596', (int) 35 => '8' ], (int) 42 => [ (int) 15 => '2', (int) 28 => '10756078', (int) 36 => '4 Severnvale', (int) 37 => '26028', (int) 38 => 'AL2 1TE', (int) 16 => '1B Yewlands Avenue', (int) 3 => '24578', (int) 29 => 'PR25 2TL', (int) 45 => '604664', (int) 19 => 'davidcole@vivaretirementsolutions.co.uk', (int) 17 => '07890652956', (int) 20 => 'https://www.vivaretirementsolutions.co.uk/', (int) 23 => 'https://www.linkedin.com/in/david-cole-63387415a/', (int) 48 => '539', (int) 55 => '570', (int) 52 => 'Experienced Lancashire based Lifetime Mortgage Adviser. Friendly, honest and professional. I offer a personal nationwide advisory service with my clients at the heart of everything I do. Accredited Later Life Lending Professional.', (int) 32 => '651,650,602', (int) 49 => '643', (int) 53 => 'Our fee for arranging a Lifetime mortgage is £750 payable only on completion.', (int) 50 => '545,546,547', (int) 60 => '598', (int) 51 => '596', (int) 35 => '8' ] ] $pcf_values_all = [ (int) 538 => 'Later life', (int) 539 => 'Mortgages', (int) 540 => 'Commercial', (int) 541 => 'Insurance', (int) 542 => 'Initial or Ongoing Consultation Fees', (int) 543 => 'Free Consultations', (int) 555 => 'Inheritance Tax Planning', (int) 556 => 'Buy to Let', (int) 557 => 'Business Protection', (int) 558 => 'Care Plans', (int) 560 => 'International Wealth Management', (int) 561 => 'Retirement Planning', (int) 562 => 'Protection', (int) 563 => 'Investment Planning', (int) 564 => 'Trusts', (int) 565 => 'Will Writing', (int) 566 => 'Wealth Management', (int) 567 => 'Bridging Loans', (int) 568 => 'Commercial Finance', (int) 569 => 'Development Loans', (int) 570 => 'Equity Release', (int) 571 => 'First Time buyer', (int) 572 => 'High Net-Worth Mortgages', (int) 573 => 'Home Mover Mortgages', (int) 574 => 'New Build Home Mortgages', (int) 575 => 'Remortgage', (int) 576 => 'Second Charge Loans', (int) 577 => 'Self-employed mortgages', (int) 578 => 'Business Whole of Life', (int) 579 => 'Critical Illness cover', (int) 580 => 'Health Insurance', (int) 581 => 'Home insurance', (int) 582 => 'Income Protection', (int) 583 => 'Key man Insurance', (int) 584 => 'Landlord Insurance', (int) 585 => 'Shareholder protection insurance', (int) 586 => 'Whole of Life Insurance', (int) 587 => 'Estate Planning', (int) 588 => 'Power of Attorney', (int) 589 => 'Probate Services', (int) 590 => 'Trusts', (int) 591 => 'Will Writers', (int) 630 => 'Financial', (int) 641 => 'Life Insurance', (int) 642 => 'Pension Transfers', (int) 643 => 'No obligation consultation', (int) 677 => 'Initial fee free consultation', (int) 681 => 'Mortgage Capacity Reports' ] $towns_list = [ (int) 0 => object(App\Model\Entity\Town) { 'id' => (int) 7428, 'name' => 'Canary Wharf', 'slug' => 'canary-wharf-greater-london-537637', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ376801', 'easting' => (int) 537637, 'northing' => (int) 180159, 'latitude' => (float) 51.50361, 'longitude' => (float) -0.01833, 'elevation' => (int) 39, 'postcode_sector' => 'E14 5', 'local_government_area' => 'Tower Hamlets', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 1 => object(App\Model\Entity\Town) { 'id' => (int) 8178, 'name' => 'Chaddlewood', 'slug' => 'chaddlewood-devon-255440', 'county' => 'Devon', 'county_slug' => 'devon-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SX554562', 'easting' => (int) 255440, 'northing' => (int) 56231, 'latitude' => (float) 50.38815, 'longitude' => (float) -4.0349, 'elevation' => (int) 65, 'postcode_sector' => 'PL7 2', 'local_government_area' => 'City of Plymouth', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 2 => object(App\Model\Entity\Town) { 'id' => (int) 8510, 'name' => 'Chedzoy', 'slug' => 'chedzoy-somerset-333982', 'county' => 'Somerset', 'county_slug' => 'somerset-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'ST339375', 'easting' => (int) 333982, 'northing' => (int) 137501, 'latitude' => (float) 51.13296, 'longitude' => (float) -2.94489, 'elevation' => (int) 10, 'postcode_sector' => 'TA7 8', 'local_government_area' => 'Sedgemoor District', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 3 => object(App\Model\Entity\Town) { 'id' => (int) 8531, 'name' => 'Chelmsford', 'slug' => 'chelmsford-essex-570897', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TL708071', 'easting' => (int) 570897, 'northing' => (int) 207155, 'latitude' => (float) 51.73705, 'longitude' => (float) 0.47361, 'elevation' => (int) 29, 'postcode_sector' => 'CM1 1', 'local_government_area' => 'Chelmsford District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 4 => object(App\Model\Entity\Town) { 'id' => (int) 9571, 'name' => 'Coatbridge', 'slug' => 'coatbridge-lanarkshire-273102', 'county' => 'Lanarkshire', 'county_slug' => 'lanarkshire-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS731651', 'easting' => (int) 273102, 'northing' => (int) 665104, 'latitude' => (float) 55.86236, 'longitude' => (float) -4.02914, 'elevation' => (int) 84, 'postcode_sector' => 'ML5 3', 'local_government_area' => 'North Lanarkshire', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 5 => object(App\Model\Entity\Town) { 'id' => (int) 10355, 'name' => 'Corringham', 'slug' => 'corringham-essex-569985', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ699835', 'easting' => (int) 569985, 'northing' => (int) 183562, 'latitude' => (float) 51.52539, 'longitude' => (float) 0.44897, 'elevation' => (int) 24, 'postcode_sector' => 'SS17 7', 'local_government_area' => 'Thurrock', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 6 => object(App\Model\Entity\Town) { 'id' => (int) 10579, 'name' => 'Coventry', 'slug' => 'coventry-west-midlands-433644', 'county' => 'West Midlands', 'county_slug' => 'west-midlands-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SP336789', 'easting' => (int) 433644, 'northing' => (int) 278970, 'latitude' => (float) 52.40771, 'longitude' => (float) -1.50686, 'elevation' => (int) 91, 'postcode_sector' => 'CV1 5', 'local_government_area' => 'Coventry District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 7 => object(App\Model\Entity\Town) { 'id' => (int) 13073, 'name' => 'Dundee', 'slug' => 'dundee-city-of-dundee-340093', 'county' => 'City of Dundee', 'county_slug' => 'city-of-dundee-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NO400300', 'easting' => (int) 340093, 'northing' => (int) 730009, 'latitude' => (float) 56.45841, 'longitude' => (float) -2.97367, 'elevation' => (int) 16, 'postcode_sector' => 'DD1 4', 'local_government_area' => 'Dundee City', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 8 => object(App\Model\Entity\Town) { 'id' => (int) 13095, 'name' => 'Dungannon', 'slug' => 'dungannon-county-tyrone-279738', 'county' => 'County Tyrone', 'county_slug' => 'county-tyrone-northern-ireland', 'nuts_region' => 'Northern Ireland', 'nuts_region_slug' => 'northern-ireland-northern-ireland', 'country' => 'Northern Ireland', 'country_slug' => 'northern-ireland', 'grid_reference' => 'H797619', 'easting' => (int) 279738, 'northing' => (int) 361982, 'latitude' => (float) 54.5, 'longitude' => (float) -6.77, 'elevation' => (int) 71, 'postcode_sector' => 'BT71 7', 'local_government_area' => 'Mid Ulster', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 9 => object(App\Model\Entity\Town) { 'id' => (int) 14754, 'name' => 'Fallin', 'slug' => 'fallin-stirling-and-falkirk-283520', 'county' => 'Stirling and Falkirk', 'county_slug' => 'stirling-and-falkirk-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NS835917', 'easting' => (int) 283520, 'northing' => (int) 691716, 'latitude' => (float) 56.10397, 'longitude' => (float) -3.87431, 'elevation' => (int) 13, 'postcode_sector' => 'FK7 7', 'local_government_area' => 'Stirling', 'type' => 'Village', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 10 => object(App\Model\Entity\Town) { 'id' => (int) 15510, 'name' => 'Folkestone', 'slug' => 'folkestone-kent-622846', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TR228361', 'easting' => (int) 622846, 'northing' => (int) 136189, 'latitude' => (float) 51.08172, 'longitude' => (float) 1.18028, 'elevation' => (int) 26, 'postcode_sector' => 'CT20 1', 'local_government_area' => 'Shepway District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 11 => object(App\Model\Entity\Town) { 'id' => (int) 23649, 'name' => 'Knutsford', 'slug' => 'knutsford-cheshire-375123', 'county' => 'Cheshire', 'county_slug' => 'cheshire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ751785', 'easting' => (int) 375123, 'northing' => (int) 378529, 'latitude' => (float) 53.30312, 'longitude' => (float) -2.37476, 'elevation' => (int) 68, 'postcode_sector' => 'WA16 0', 'local_government_area' => 'Cheshire East', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 12 => object(App\Model\Entity\Town) { 'id' => (int) 24578, 'name' => 'Leyland', 'slug' => 'leyland-lancashire-354177', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD541216', 'easting' => (int) 354177, 'northing' => (int) 421644, 'latitude' => (float) 53.68922, 'longitude' => (float) -2.69536, 'elevation' => (int) 46, 'postcode_sector' => 'PR25 3', 'local_government_area' => 'South Ribble District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 13 => object(App\Model\Entity\Town) { 'id' => (int) 26025, 'name' => 'London', 'slug' => 'london-greater-london-532473', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ324812', 'easting' => (int) 532473, 'northing' => (int) 181219, 'latitude' => (float) 51.51437, 'longitude' => (float) -0.09229, 'elevation' => (int) 31, 'postcode_sector' => 'EC2V 8', 'local_government_area' => 'City of London', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 14 => object(App\Model\Entity\Town) { 'id' => (int) 30211, 'name' => 'Newcastle-under-Lyme', 'slug' => 'newcastle-under-lyme-staffordshire-384799', 'county' => 'Staffordshire', 'county_slug' => 'staffordshire-west-midlands', 'nuts_region' => 'West Midlands', 'nuts_region_slug' => 'west-midlands-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SJ847460', 'easting' => (int) 384799, 'northing' => (int) 346008, 'latitude' => (float) 53.01116, 'longitude' => (float) -2.22801, 'elevation' => (int) 133, 'postcode_sector' => 'ST5 1', 'local_government_area' => 'Newcastle-under-Lyme District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 15 => object(App\Model\Entity\Town) { 'id' => (int) 32393, 'name' => 'Oxted', 'slug' => 'oxted-surrey-539389', 'county' => 'Surrey', 'county_slug' => 'surrey-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ393528', 'easting' => (int) 539389, 'northing' => (int) 152880, 'latitude' => (float) 51.25805, 'longitude' => (float) -0.0038, 'elevation' => (int) 105, 'postcode_sector' => 'RH8 0', 'local_government_area' => 'Tandridge District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 16 => object(App\Model\Entity\Town) { 'id' => (int) 32424, 'name' => 'Paddock Wood', 'slug' => 'paddock-wood-kent-567086', 'county' => 'Kent', 'county_slug' => 'kent-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ670451', 'easting' => (int) 567086, 'northing' => (int) 145186, 'latitude' => (float) 51.18149, 'longitude' => (float) 0.38921, 'elevation' => (int) 16, 'postcode_sector' => 'TN12 6', 'local_government_area' => 'Tunbridge Wells District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 17 => object(App\Model\Entity\Town) { 'id' => (int) 33455, 'name' => 'Petersfield', 'slug' => 'petersfield-hampshire-474632', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU746232', 'easting' => (int) 474632, 'northing' => (int) 123266, 'latitude' => (float) 51.00395, 'longitude' => (float) -0.93771, 'elevation' => (int) 66, 'postcode_sector' => 'GU32 3', 'local_government_area' => 'East Hampshire District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 18 => object(App\Model\Entity\Town) { 'id' => (int) 34494, 'name' => 'Preston', 'slug' => 'preston-lancashire-354046', 'county' => 'Lancashire', 'county_slug' => 'lancashire-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD540295', 'easting' => (int) 354046, 'northing' => (int) 429582, 'latitude' => (float) 53.76055, 'longitude' => (float) -2.69853, 'elevation' => (int) 44, 'postcode_sector' => 'PR1 2', 'local_government_area' => 'Preston District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 19 => object(App\Model\Entity\Town) { 'id' => (int) 37478, 'name' => 'Sheffield', 'slug' => 'sheffield-south-yorkshire-435449', 'county' => 'South Yorkshire', 'county_slug' => 'south-yorkshire-yorkshire-and-the-humber', 'nuts_region' => 'Yorkshire and the Humber', 'nuts_region_slug' => 'yorkshire-and-the-humber-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SK354874', 'easting' => (int) 435449, 'northing' => (int) 387427, 'latitude' => (float) 53.38251, 'longitude' => (float) -1.46854, 'elevation' => (int) 83, 'postcode_sector' => 'S1 1', 'local_government_area' => 'Sheffield District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 20 => object(App\Model\Entity\Town) { 'id' => (int) 46508, 'name' => 'Whiteley', 'slug' => 'whiteley-hampshire-452343', 'county' => 'Hampshire', 'county_slug' => 'hampshire-south-east', 'nuts_region' => 'South East', 'nuts_region_slug' => 'south-east-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SU523093', 'easting' => (int) 452343, 'northing' => (int) 109365, 'latitude' => (float) 50.88141, 'longitude' => (float) -1.25733, 'elevation' => (int) 26, 'postcode_sector' => 'PO15 7', 'local_government_area' => 'Fareham District', 'type' => 'Locality', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 21 => object(App\Model\Entity\Town) { 'id' => (int) 46788, 'name' => 'Wigan', 'slug' => 'wigan-greater-manchester-358372', 'county' => 'Greater Manchester', 'county_slug' => 'greater-manchester-north-west', 'nuts_region' => 'North West', 'nuts_region_slug' => 'north-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SD583056', 'easting' => (int) 358372, 'northing' => (int) 405618, 'latitude' => (float) 53.54554, 'longitude' => (float) -2.62969, 'elevation' => (int) 52, 'postcode_sector' => 'WN1 1', 'local_government_area' => 'Wigan District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' } ] $custom_field_list = [ (int) 39 => 'Adviser Information', (int) 1 => 'Company Name ', (int) 15 => 'Company Type', (int) 28 => 'Company Registration No', (int) 36 => 'Street (Registered Address) ', (int) 37 => 'Registered Town / City', (int) 38 => 'Registered Post Code', (int) 41 => 'Same As Above - CF ', (int) 16 => 'Street (Trading Address)', (int) 3 => 'City / Town', (int) 29 => 'Post Code', (int) 58 => 'The Financial Services Register', (int) 45 => 'FCA Reg No', (int) 47 => 'Exempt Professional Firm', (int) 18 => 'Contact 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=> false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'No', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [], 'JobDetails' => [ 'Company Name ' => 'Delato Finance Ltd', 'Company Type' => 'Non-FCA', 'Email Address' => 'info@delato-finance.co.uk', 'Contact Tel No' => '01604389127', 'Website' => 'www.delato-finance.co.uk', 'What products do you advise on?' => 'Mortgages, Commercial', 'Mortgage & Loan' => 'Bridging Loans, Buy to Let, Development Loans', 'Commercial' => 'Bridging Loans, Commercial Finance, Development Loans', 'Headline Description' => 'We specialize in commercial mortgages, property development finance, and bridging loans as well as buy to let mortgages. 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There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', 'Our Advice Methods' => 'Face 2 Face, Telephone Appointments, Video Conferencing', 'Minimum Wealth' => 'No minimum', 'Languages you can advise in' => 'English' ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ '*' => true, 'id' => false ], '[dirty]' => [ 'JobDetails' => true, 'ParentJob' => true, 'SaveJobCount' => true ], '[original]' => [], '[virtual]' => [], '[hasErrors]' => false, '[errors]' => [], '[invalid]' => [], '[repository]' => 'Jobs' } $job_id = (int) 103 $package_id = (int) 13 $job_detal_url = '/adviser/delato-finance-ltd' $advis_arr = [ (int) 0 => '539', (int) 1 => '540' ] $i = (int) 2 $kv = (int) 2include - APP/Template/Cell/Front/Header/blog_latest_advisors.ctp, line 139 Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413 Cake\View\View::_render() - CORE/src/View/View.php, line 1374 Cake\View\View::render() - CORE/src/View/View.php, line 880 Cake\View\Cell::Cake\View\{closure}() - CORE/src/View/Cell.php, line 205 Cake\View\Cell::render() - CORE/src/View/Cell.php, line 215 Cake\View\Cell::__toString() - CORE/src/View/Cell.php, line 260 include - APP/Template/Blogs/detail.ctp, line 538 Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413 Cake\View\View::_render() - CORE/src/View/View.php, line 1374 Cake\View\View::render() - CORE/src/View/View.php, line 880 Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791 Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126 Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94 Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235 Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65 Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
SUNNY IN-MAIL
Initial fee free consultation
(FCA Reg No:604664)
No minimum Mortgages Leyland, Lancashire SUNNY IN-MAIL
No obligation consultation
Our website offers information about financial products such as investing, savings, equity release, mortgages, and insurance. None of the information on Sunny Avenue constitutes personal advice. Sunny Avenue does not offer any of these services directly and we only act as a directory service to connect you to the experts. If you require further information to proceed you will need to request advice, for example from the financial advisers listed. If you decide to invest, read the important investment notes provided first, decide how to proceed on your own basis, and remember that investments can go up and down in value, so you could get back less than you put in.
Think carefully before securing debts against your home. A mortgage is a loan secured on your home, which you could lose if you do not keep up your mortgage payments. Check that any mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
We are an information-only website and aim to provide the most up-to-date information as possible. We cannot accept liability if things go wrong. Please email us at hello@sunnyavenue.co.uk if you see anything that needs updating and we will do so ASAP.
The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All the advisers we work with are fully qualified to provide advice in their areas and we only list firms that are authorised and regulated by the Financial Conduct Authority otherwise it is clearly stated that we are unable to verify their FCA status.
Sunny Avenue is not regulated by the FCA as we do not provide any financial services or advice. We act as a directory service for financial professionals.
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