Business Details
18 Years
experience
Trusted Mortgage Advisers in Rugby
Established by industry veteran Phil Miller, our firm has built a reputation for delivering tailored financial solutions since 2008. With over 25 years of combined experience across our team, we specialise in mortgage advisory services, protection planning, and equity release solutions. Our advisers hold recognised qualifications including CeMAP and DipFA, ensuring technical excellence in every recommendation. As part of Quilter Financial Planning - ranked number one in the FTAdvisers Top 100 list - we combine national recognition with local, face-to-face service. We maintain deep market knowledge through continuous professional development, staying ahead of regulatory changes and product innovations.Our approach focuses on understanding individual client circumstances to provide advice that aligns with both immediate needs and long-term financial goals. Transparency remains central to our operations, with clear communication about product terms, fees, and market risks. We maintain regulatory compliance through our association with the Financial Conduct Authority, while prioritising client education throughout the advisory process.
Services
Mortgage Advice
Equity Release
Life Assurance
Income Protection
General Insurance
Details
- Year established: 2008
Highlights and features
- We offer 25+ years of mortgage advisory experience with CeMAP qualified experts
- Our team provides whole-of-market mortgage comparisons for optimal deals
- We specialise in complex cases including adverse credit and self-employed clients
- Our FCA regulation ensures adherence to strict professional standards
- We provide ongoing support throughout the mortgage lifecycle
What people say
Fantastic job
Second to none service
Highly recommend
Best deal available
Nothing too much trouble
Services
Mortgage Advice
We provide comprehensive mortgage advisory services tailored to individual circumstances. Our qualified advisers help clients navigate first-time purchases, remortgaging, and buy-to-let investments. With access to the whole market, we identify competitive deals that match clients' financial situations and future goals while explaining associated risks and commitments.
Equity Release
Our equity release specialists advise homeowners aged 55+ on accessing property wealth through lifetime mortgages. We explain financial implications for inheritance and benefits, ensuring clients understand long-term impacts while meeting immediate financial needs through regulated products.
Life Assurance
We help clients protect dependants through tailored life assurance policies. Our advice ensures appropriate coverage amounts and terms that provide financial security for families in case of unexpected death, while considering policy costs and exclusions.
Income Protection
Our protection specialists design income replacement plans for illness or unemployment. Policies provide financial security through regular payments when clients cannot work, with options covering short-term or long-term incapacity while considering existing employer benefits.
General Insurance
We advise on home insurance and accident, sickness & unemployment (ASU) cover. Our recommendations ensure adequate property protection beyond mortgage lender requirements, with competitive market rates and appropriate coverage levels for personal circumstances.
People
Phil Miller
Managing Director / Mortgage and Protection Adviser
With over 25 years in financial services, Phil established Miller Financial Planning in 2008 after gaining experience with Britannic Assurance and Mortgage Advice Bureau. He specialises in complex mortgage cases and protection planning.
Angela Smith
Mortgage, Protection and Equity Release Adviser
Qualified in 2018 after eight years' administrative experience, Angela specialises in remortgaging and equity release. Clients praise her thorough approach and ability to simplify complex financial products for easy understanding.
Chris Aubrey
Mortgage and Protection Adviser
With 16 years' industry experience since 1998, Chris provides expert advice on residential mortgages and protection policies. His background includes six years at Mortgage Advice Bureau working alongside Phil Miller.
Rob Hope
Mortgage and Protection Adviser
Joining in 2020, Rob brings prior estate agency experience. He specialises in first-time buyer mortgages and protection planning, combining mortgage market knowledge with client-focused communication.
Josh Slade
Mortgage and Protection Adviser
Starting as administrator in 2020, Josh qualified as adviser in 2022. He focuses on long-term financial planning, helping clients align mortgage decisions with retirement goals and life protection requirements.
Questions
What mortgage services do you offer?
We provide full mortgage advisory services including first-time buyer mortgages, remortgaging, buy-to-let, and specialist mortgages for self-employed individuals and those with adverse credit histories.
How do you help clients with equity release?
We explain lifetime mortgage options and home reversion plans, helping clients understand implications for inheritance and means-tested benefits while accessing property equity.
What protection plans are available?
We offer life assurance, income protection, and critical illness cover to safeguard clients against financial risks from death, illness, or unemployment.
Are your services regulated?
Yes, we operate as an appointed representative of Quilter Financial Planning Solutions Limited, authorised and regulated by the Financial Conduct Authority.
How do you support first-time buyers?
We guide first-time buyers through the entire mortgage process, explaining options, costs, and helping secure competitive rates suited to their circumstances.
What areas do you cover?
While based in Rugby, we provide services nationwide through face-to-face meetings, remote consultations, and ongoing client support across the UK.
