Business Details
Trusted Financial Advisers in Lowestoft
Fresh Financial Consultants is a dedicated team of mortgage and protection specialists serving clients in Lowestoft, Suffolk. Established with a commitment to honesty, efficiency, and integrity, we provide tailored financial advice to help clients navigate mortgages, insurance, wills, and trusts. Our experienced advisers prioritise client needs, offering transparent guidance without sales pitches.We work closely with third-party providers to ensure comprehensive solutions, including commercial mortgages, bridging finance, and conveyancing services. With a focus on local market knowledge and regulatory compliance, we aim to simplify complex financial decisions while maintaining the highest professional standards.
Services
Mortgage Brokering
Insurance Services
Protection Policies
Estate Planning
Financial Consultancy
Highlights and features
- We offer 20+ years of combined experience in mortgage and protection services
- Our team provides impartial advice tailored to individual circumstances
- Transparent fee structure with no hidden charges
- Specialist knowledge of Suffolk's property market
- We maintain FCA authorisation through PRIMIS Mortgage Network
Associations and certifications
- Financial Conduct Authority
What people say
Transparent fee structure
Local market expertise
Personalised service
Experienced advisers
Services
Mortgage Brokering
We specialise in connecting clients with suitable mortgage products through comprehensive market analysis. Our advisers help first-time buyers, landlords, and homeowners navigate remortgaging, buy-to-let, and residential mortgages. With access to a wide range of lenders, we provide tailored solutions while explaining all associated risks including potential repossession.
Insurance Services
Our insurance brokerage covers buildings, contents, and landlord policies to meet mortgage requirements. We assist clients in understanding coverage options for property structures, personal possessions, and rental investments. We clarify policy terms and conditions while ensuring compliance with lender mandates regarding adequate insurance coverage.
Protection Policies
We advise on life insurance, critical illness cover, and income protection plans. Our consultants help clients understand term assurance, whole-of-life policies, and trust arrangements. We explain policy limitations and benefits while focusing on long-term financial security solutions for clients and their dependents.
Estate Planning
We provide guidance on will creation and trust arrangements to ensure proper estate distribution. Our service explains intestacy laws, probate processes, and inheritance tax considerations. We refer clients to specialist estate planners for detailed will drafting and trust establishment services.
Financial Consultancy
Our advisers offer comprehensive financial planning covering mortgages, protection, and estate management. We assess individual client circumstances to recommend suitable products while explaining regulatory requirements. We maintain transparency about fees and third-party referrals throughout the advisory process.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, residential mortgages, and help-to-buy schemes through our broker network.
Are your mortgage advisers qualified?
Yes, our advisers are FCA-authorised through PRIMIS Mortgage Network with extensive experience in property financing solutions.
Do you charge for mortgage advice?
We charge a £297 non-refundable fee for mortgage advice, discussed and agreed with you before proceeding.
What insurance products can you help with?
We assist with buildings, contents, landlord, and personal possessions insurance through our third-party provider network.
Can you help with wills and trusts?
We provide introductory guidance on wills and trusts, then refer you to specialist estate planners for detailed documentation.
Are you regulated by the FCA?
Yes, we operate as an appointed representative of PRIMIS Mortgage Network, authorised and regulated by the Financial Conduct Authority.
Reviews (6)
Jessica - Ann Saunders
Nov 07, 2021
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Amazing service throughout, always friendly and helpful at Fresh Financial couldnt ask for any better the team are fantastic- thank you so much ! Mr & Mrs Stewart
Carla Moss
Nov 06, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Great communication throughout. Very professional service and would highly recommend using them. Thank you so much!
Great communication throughout. Very professional service and would highly recommend using them. Thank you so much!
Vicki Verona
Oct 25, 2021
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Positive:Professionalism,Responsiveness,Value
David and Sam were excellent, as first time buyers it really helped to have such quick and well explained help from some very patient people, on top of all the actual work of getting the mortgage in place for us. Would definitely recommend
David and Sam were excellent, as first time buyers it really helped to have such quick and well explained help from some very patient people, on top of all the actual work of getting the mortgage in place for us. Would definitely recommend
Andrew Trafford
Oct 21, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Through a difficult onward purchase involving two failed attempts Sam & Andy at Financial Fresh were a constant support and voices of reason. They are also the best financial advisors we have ever used! Thanks for your tireless support and priceless advice.
Through a difficult onward purchase involving two failed attempts Sam & Andy at Financial Fresh were a constant support and voices of reason. They are also the best financial advisors we have ever used! Thanks for your tireless support and priceless advice.
Josh Stewart
Oct 14, 2021
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Would like to just say a massive thank you for making our first remortgaging so easy and stressless! Great friendly communication and always happy to help even when we asked what must sound like silly questions! First mortgage done
First remortgage done
And will 1000000% be coming back to you guys the next time! Would recommend the team to anyone and everyone whos looking to remortgage
Thank you again you are amazing!!
First remortgage done
And will 1000000% be coming back to you guys the next time! Would recommend the team to anyone and everyone whos looking to remortgage
Thank you again you are amazing!!
Debbie Ingrouille
Oct 06, 2021
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'EXCELLENT' and i'm not talking about the Brownies....Right from the offset David and his team at Fresh Financial Consultants were friendly, efficient and easy to communicate with. Having recently fallen inside of IR35 I was concerned that finding a mortgage would prove difficult, David certainly put my mind at rest and very quickly came back with a couple of options. We have now completed on the property and having used 'Fresh Financial' services I would highly recommend the Brownies! sorry Fresh Financial. His expertise and friendly manner made what could have been a very stressful period calm
