Business Details
26 Years
experience
Your Trusted Financial Partner in Bangor
At 1 4 U Financial Solutions, we have dedicated ourselves to providing tailored financial guidance since 2000. Our approach centres on understanding individual client needs through detailed consultations, ensuring informed decision-making without industry jargon. With expertise in mortgages, insurance, and business financial planning, we maintain FCA regulation compliance while prioritising long-term client relationships over transactional interactions.Our team combines technical proficiency with empathetic service delivery, demonstrated through client testimonials highlighting our responsiveness and ability to simplify complex financial concepts. We operate transparently, disclosing all fees upfront and maintaining professional integrity through continuous market research and solution customisation.
Services
Mortgages
Insurance
Commercial Mortgages
Debt Management
Trusts
Pensions
Investments
Details
- Year established: 2000
Highlights and features
- We offer personalised financial consultations tailored to individual circumstances
- Our team provides transparent fee structures with no hidden charges
- We maintain FCA regulation compliance for all regulated services
- We deliver ongoing support through regular no-obligation reviews
- We specialise in simplifying complex financial products for client understanding
Associations and certifications
- Financial Conduct Authority
What people say
Excellent service
Approachable and patient
Thorough explanations
Personalised solutions
Responsive team
Services
Mortgages
We provide comprehensive mortgage advisory services covering first-time purchases, re-mortgaging, buy-to-let properties, and commercial mortgages. Our FCA-regulated advisors help clients navigate various mortgage products, considering individual financial circumstances and long-term goals. We specialise in finding competitive rates and suitable terms while explaining all associated risks and commitments.
Insurance
Our insurance services include life cover, critical illness protection, private medical insurance, and property coverage. We assess clients' protection needs to recommend appropriate policies that safeguard against financial risks. This includes helping clients understand policy terms, coverage limits, and claims processes while ensuring suitable protection levels for both personal and business requirements.
Commercial Mortgages
We offer specialist commercial mortgage advice for business premises acquisition, property investment, and corporate financing. Our services cover assessing business affordability, identifying suitable lenders, and structuring loan terms that align with commercial objectives. We work with clients to understand their business plans and match them with appropriate financing solutions.
Trusts
Our trust services focus on helping clients arrange their financial affairs for efficient inheritance distribution. We advise on various trust structures to protect assets, manage tax implications, and ensure client wishes are fulfilled. This includes explaining different trust types and their implications for estate planning purposes.
Debt Management
We provide guidance on managing personal and business debts through structured solutions. Our approach involves assessing current financial obligations, identifying restructuring opportunities, and recommending strategies to improve financial stability. We help clients understand different debt management options and their long-term implications.
People
Avril Spence
Director
Avril established the business in 2000 and leads all client advisory services. With extensive mortgage and financial planning experience, she focuses on delivering personalised solutions while maintaining regulatory compliance. She personally oversees complex cases and ensures service quality standards.
Questions
What mortgage types do you offer?
We provide advice on residential mortgages, buy-to-let properties, re-mortgaging, commercial mortgages, and specialist products including offset mortgages for self-employed individuals.
Are your services regulated?
Our mortgage and certain insurance services are regulated by the Financial Conduct Authority. Other services like trusts and commercial mortgages operate under appointed representative status.
What fees apply to mortgage arrangements?
We charge a £199 application fee and £190 completion fee for mortgage services. All costs are disclosed upfront during initial consultations.
How do you personalise financial advice?
We conduct detailed fact-finding sessions to understand your circumstances before recommending solutions tailored to your specific financial goals and risk tolerance.
What areas do you cover?
We operate throughout the UK with primary office locations in Bangor, Northern Ireland, providing both in-person and remote advisory services.
Reviews (4)
Carolineservice
Dec 25, 2021
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Positive:Professionalism
I can honestly say I would never go anywhere else. Avril and Kirstine are amazing at what they do and have looked after myself and my family for many years now. These ladies are a fantastic team and I can honestly say I'm so glad they were recommended to me by another family member.
I can honestly say I would never go anywhere else. Avril and Kirstine are amazing at what they do and have looked after myself and my family for many years now. These ladies are a fantastic team and I can honestly say I'm so glad they were recommended to me by another family member.
Nicola Chambers
Dec 15, 2021
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Avril and the team are second to none. Their attention to detail, approachability and diligence is outstanding. Avril took the reins on our rather difficult sale and purchase, and was a comforting shoulder when needed. The team is thorough, professional to the letter and will not let you down. I can't recommend Avril highly enough.
Paul Farr
Dec 10, 2021
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Avril has completed my mortgages from day one with a professional service and great advise
Transparent and has always done her best for her clients, including people I have referred.
Kirstine has been always responsive and great communication dealing with any administration
I wouldn't use anyone else but 14U Financial Solutions
Transparent and has always done her best for her clients, including people I have referred.
Kirstine has been always responsive and great communication dealing with any administration
I wouldn't use anyone else but 14U Financial Solutions
Demetrius Smyth
Dec 09, 2021
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Absolutely amazing from start to finish. Couldn’t recommend them more. So personal while also providing all the information you need to make informed decisions. Couldn’t be a home owner without them. Same experience when setting up my insurances as they looked for the best insurances to suit my needs and wants. Thanks again 👏🙌🏻
