PBS Mortgage & Financial Solutions

Independent financial advice in Lancaster and Morecambe

PBS Mortgage & Financial Solutions presents itself as a local independent financial advice firm serving clients in Lancaster and Morecambe, in the United Kingdom. The company states it has over two decades of experience and describes itself as a leading choice in its area for those seeking an independent financial adviser, whether to take out a mortgage, life insurance or a pension plan.

Its activity is divided into two main areas: mortgage advice and financial planning. The firm states it is authorised and regulated by the Financial Conduct Authority (FCA), with firm reference number 624550, and is a member of the Chartered Insurance Institute.

Mortgage advice

The company offers support in taking out mortgages, with a step-by-step process guided by experienced advisers. Among the client profiles and products it serves are:

• First-time buyers, with preparation beforehand to obtain a mortgage.
• People moving home.
• Remortgaging, with strategic advice aimed at finding better rates, reducing monthly payments or releasing equity from the property.
• Buy-to-let mortgages, for those investing in rental property.
• Specialist mortgages, for situations that do not fit conventional routes.

The firm also advises on mortgage in principle and offers an initial consultation to assess the transaction.

Financial planning: protection, pensions and investments

In the area of financial planning, PBS offers a comprehensive service covering family protection, wealth growth and retirement preparation. The services it details are:

• Protection insurance, to cover various contingencies and give peace of mind to the policyholder.
• Pensions, with advice aimed at securing the long-term future.
• Investments, to make savings work efficiently.

The company stresses that it tailors its recommendations to each client's specific situation and needs, with the stated aim of simplifying a complex area such as finance.

Team and customer service

The management and advisory team consists of Paul Brett-Smith, director and financial adviser with the DipFA qualification, and Ross Humpage, mortgage and protection adviser with the CeMap qualification. The firm handles initial consultations in person, by phone or by video call.

The customer testimonials on its website come mostly from Lancaster and Morecambe, although there are also reviews from other locations such as Penmaenmawr and Berkshire. They highlight the clarity of the advice, the support during the process and the communication maintained with clients.

Local and regulatory commitment

PBS describes itself as a local firm that actively participates in clubs and charities in its community. It emphasises its independent nature and its commitment to offering impartial and comprehensive guidance for Lancaster and Morecambe. The company notes that its activity is subject to the UK regulatory regime and that its advice is primarily aimed at customers in that country.

Location and contact

9 King Street, Lancaster, Lancashire, LA1 1JN · Phone: 01524 888877 · Email: advice@pbsfinancial.co.uk