When you are first starting out in life we understand that there are many pulls on your resources. It could be that you are trying to clear student debts, debts accrued whilst taking a year out after your studies to travel, costs involved in getting your first foot on the housing ladder, starting planning for retirement. It could be that you also have children - and we all know about the costs of bringing up children.

As such it can be difficult to make your income stretch throughout the whole month so it could be that you have to resort to further borrowing in order to meet normal living costs. Of cost this is a self perpetuating situation.

We are able to help you take a step out of your situation and to view it from the outside. We are able to review your situation to see whether there is any way that debt can be restructured to make it more affordable, it could be that you are paying for insurance policies that are not required due to the benefit package offered by many employers, your mortgage could be reviewed to see whether the deal you have is still the best within the market.

Take a look at our case study to see how we have helped one particular client reduce his outgoings ...


Divorced male with two children aged 15 and 13. Basic rate tax payer with a mortgage and other debts.

Our client was struggling to meet all of his outgoings; mortgage interest payments and ISA payments to repay mortgage, insurance premiums, loan and credit card repayments and child maintenance payments.

We reviewed his insurance policies taking into account his priorities, affordability and the death in service benefit and sick pay that he had through work. We re-arranged his protection to what was required to protect his mortgage and lifestyle at the lowest cost.

We arranged a remortgage to a full repayment basis to consolidate his debts. The mortgage term was extended to retirement age and found a 5 year fixed rate which made budgeting easier whilst income was stretched due to child maintenance payments. Mortgage had flexibility to make overpayments of 10% per annum which meant that he could clear his mortgage quicker should he be able to afford to overpay in some months.

We were able to reduce overall outgoings by £200 per month.