Impact Financial Services

Mortgage and protection advice in Peterborough

Impact Financial Services is a financial advice firm with a registered office in Peterborough (England). It operates as a credit broker — not as a lender — and works with a panel of mortgage lenders and insurers to recommend products suited to each client's situation. Its activity is organised around three areas: mortgages, protection and estate planning.

The company presents itself as a service providing access to a wide range of UK lenders and insurers, with recommendations explained in plain English and support before, during and after taking out a product. It notes that it may receive commission from lenders when arranging mortgages or policies, and that details of fees and commissions are disclosed before proceeding.

Mortgages: from first homes to development finance

The mortgage product range covers several types:

• Residential mortgages.
• Buy-to-let and HMO (houses in multiple occupation).
• Remortgages.
• First-time buyer mortgages.
• Bridging finance.
• Property development finance.

The firm warns that some of these products and services are not regulated by the Financial Conduct Authority, including bridging finance, commercial finance, certain buy-to-let mortgages and some property investment contracts. It also does not advise on lifetime mortgages, home reversion plans or investment products.

Personal and business protection

The protection area includes health insurance, critical illness cover, income protection, relevant life insurance and business protection. This is complemented by general insurance for car, travel and pets, as well as private medical insurance. The company presents these covers as ongoing support rather than a one-off sale.

Estate planning and wills

Within estate planning, the firm offers will writing, setting up trusts and lasting powers of attorney. The stated approach is to preserve family assets and arrange the transfer of inheritance in line with the client's wishes.

Company structure and regulation

Impact Financial Services is a trading name of Impact Financial Services Limited, authorised and regulated by the Financial Conduct Authority under number 1025644 and registered in England and Wales with company number 15712648. Its registered office is in Peterborough. The firm indicates that part of its team also serves clients in Polish.

Client relationship framework

The website includes documentation on privacy and cookies policy, complaints procedure, vulnerable clients and Consumer Duty, the UK regulatory framework for financial consumer protection. It also includes the usual warning that your home may be repossessed if you do not keep up repayments on a mortgage or any other loan secured against it.

Location and contact

Suite 15, Unit 4, Blenheim Court, Peppercorn Close, Peterborough, PE1 2DU · Phone: 01733 924 329 · Email: office@impactfs.uk · Opening hours: Monday to Friday: 09:00–18:00; Saturday: by appointment; Sunday: closed