Bright Advice

Mortgage and financial advice in Godmanchester

Bright Advice is a financial advice firm based in Godmanchester, in the English county of Cambridgeshire. Its activity focuses on mortgage brokerage and personal financial planning, with services covering mortgages, protection, pensions and investments, and wills and trusts. The company presents itself as a whole-of-market adviser, which means it compares products from across the market to find the most suitable option for each client.

The team combines advisers and support staff, and serves both first-time buyers and homeowners who are moving, remortgaging or building a buy-to-let portfolio. The firm is part of the Quilter Financial Planning Ltd network, which, according to its own presentation, gives it access to mortgage rates and insurance policies that are not usually found in conventional bank offerings.

Mortgage services

The firm's offering is organised around several types of financing:

• First-time buyer mortgages, with support when entering the property market.
• Home mover mortgages.
• Remortgages, aimed at improving the terms of the existing loan.
• Buy-to-let mortgages for investors expanding their rental portfolio.
• Equity release for homeowners who want to unlock the value of their home later in life.
• Shared ownership mortgages, presented as a more affordable route into home ownership.

Advice includes comparing products from across the market, help with paperwork, communication with lenders and a detailed explanation of the mortgage terms, keeping the client informed throughout the process.

Protection, pensions and investments

In addition to mortgage brokerage, Bright Advice offers life insurance and family protection solutions, as well as pensions and investments advice. The firm also provides wills and trusts services, completing a financial planning approach across different life stages. The company describes its working philosophy as focused on reducing debt and building solid foundations to increase wealth, protecting the client's future and that of their loved ones.

Coverage and client service

The firm is headquartered in Godmanchester and has advisers across Cambridgeshire, Bedfordshire, Suffolk, Hertfordshire, Buckinghamshire, Northamptonshire and Lincolnshire. Much of the advice can be provided remotely, by phone or video call, although in-person appointments are also available at the head office. The company states that initial discussions are free and without obligation, and that any fees are set out transparently before a formal application is made.

History

The firm was founded by Andrew on 1 January 2000, from which date it began working with independent estate agents in St Neots, Ely and Newmarket. In 2003 it brought in an administrative team in Biggleswade and opened an office in St Ives; in 2004 it moved to Priory Lane, in St Neots. In 2009 it expanded into wealth advice and in 2011 it moved to Yew Tree House, also in St Neots. In 2012 it joined Lifetime Connect and in 2019 it began operating on Trustpilot. In 2023 it acquired a new office in Godmanchester, to which it moved in 2024.

Environmental initiative

The company states that it plants a tree for every mortgage completed and for every life insurance policy taken out, as part of its commitment to reducing environmental impact.

Corporate structure

Bright Advice operates as a trading name of Lifetime Wealth Management Limited, a company registered in England and Wales with number 04631136 and registered office at 12-14 Upper Marlborough Road, St Albans, Hertfordshire, AL1 3UR. Lifetime Wealth Management Limited acts as an appointed representative of Quilter Financial Services and Quilter Wealth Limited, entities authorised and regulated by the Financial Conduct Authority with numbers 440703 and 217742 respectively. The information on the site falls within the UK regulatory regime and is directed at consumers resident in that country.

Location and contact

Chester House, 63 Cambridge Street, Godmanchester, PE29 2AY · Phone: 01480 22 22 80 · Email: info@brightadvice.co.uk · Hours: Monday-Friday: 09:00-17:00 | Saturday-Sunday: Closed