How we charge

Always fair. Always good value. Never any surprises.

We start by investing our time in you. Before we can advise you on the way forward with any mortgage or financial plan, we have to understand what’s important to you. We also need to understand your current situation and what you want your future to look like. Therefore, the initial consultation at our office is at no cost to you.

Charges for financial planning

If you would like us to put together a financial plan for your future, there is a fixed fee which will be explained and agreed with you from the outset. This includes a full analysis of your current financial situation and a cashflow plan based on your expected income and outgoings over your lifetime.

We’ll then present our independent recommendations for how you can achieve the future you want. From here, you can decide whether you would like us to implement those recommendations. If so, your adviser will explain the charging structure which is based on a percentage of the value of the investments that you would like us to take care of. This fee is capped.

Rest assured, our expert processes, systems and constant ongoing due diligence allow for costs to be as efficient as possible. This means that you enjoy the lion’s share of your investment returns and not fund managers or providers.

Ongoing financial planning

The vast majority of our clients choose to work with us continually to ensure that their plans remain on track. Again, your adviser will explain the charging structure which is based on the percentage of the value of your investments. This fee is also capped.

On the rare occasion that a client does not wish to undertake financial planning and simply wishes us to implement a financial product, minimum and maximum fees will apply.

Charges for mortgage advice

Our specialist mortgage advisers charge a fixed fee based on the complexity of your requirements.

In all circumstances, we will explain and agree our fees with you before any chargeable work is undertaken.

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I’ve been hugely impressed with the level of detail and understanding Sanjay seeks to get about our short, medium and long-term goals, and then providing tailored advice to reach those goals.

Paul French

A client since 2018

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Sanjay was very friendly and explained everything we needed to know about my pension options. One of the most professional and friendly firms I've dealt with and will recommend them to my friends and family.

Mark Preston

A client since 2019

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Rescued my investments. Removed inheritance tax worries. Now get an income and do not pay income tax. Much better off and very happy.

Enzo Ciliani

A client since 2016

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Absolutely fab! I leave everything to them. All staff are very polite and very professional; plain speaking and always give you a straight answer without going all round the houses.

Trefor Williams

A client since 2006

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Sound advice and sensible expectation management provided a very professional service in a realistic time frame.

Jeff & Jane Salter

Clients since 2014

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Easy to work with the team. Understood our requirements and situation and made actionable recommendations commensurate with our goals.

Julian Taplin

A client since 2018

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Future Planning have done a thorough review of my finances and have made recommendations that I had not thought about or even knew existed. They did this all time with the greatest respect and sensitivity to my wishes.

Derrick Ward

A client since 2019

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I have been with Sanjay at Future Planning for a number of years. He is honest and reliable and puts the needs of you as an individual first. He is extremely knowledgeable and approachable and his small team are very efficient.

Michelle Haley

A client since 2016

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Both Sanjay and Anil are good at explaining financial jargon in a way you can understand and are efficient at getting back to you promptly when you have queries.

Paul Crowther

A client since 2019

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Very approachable and understanding if I am not sure what to do or don't understand. They will take time to explain things and give me time to make my mind up.

Rachel Parmenter

A client since 2010

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My husband and I have been with Future Planning for the past few years.
I feel mostly relief when I think about having access to such a professional and engaged financial advisor.

Bela Tiwari

A client since 2016

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Anil has helped me with 3 mortgages now, a commercial mortgage, residential mortgage and buy to let. I would highly recommend Future Planning, I have always had excellent advice and couldn't Thank them enough.

James Matthews

A client since 2017

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Sian Hewson was really helpful when I was looking for a new mortgage. She was fair and honest, and kept in touch at every stage of the process. She sorted all the paperwork quickly, and I know she worked hard to get the best deal for me.

Rebecca Evans

A client since 2017

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Sian was great - couldn't recommend her higher. Great people skills, went out of her way to help and very knowledgeable. 5 stars!

Joe Campbell

A client since 2019

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Sian is totally amazing and exceeded all our expectations - as always. Not only has she managed to arrange a standard purchase buy, on top of this, a buy to let bridging loan for the time period required.

Sarah Leahy

A client since 2014

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Our third mortgage with Future Planning. Each time, the process has been faster and easier. Their knowledge and expertise have been outstanding with extremely attentive advisors and admin team there’s not a single question we asked they didn’t have extensive experience in.

Martin Morris

A client since 2013

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Sian was an absolute star from the beginning. Conscientious, polite and utterly professional, Sian was a pleasure to work with. I cannot praise her enough; fully recommended to anyone looking for home insurance, mortgage renewal and life insurance.

Robyn Pearson

A client since 2019

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Diligent, committed and highly professional. In the face of repeatedly underwhelming performances from the other ‘experts’ involved in our sale and purchase; Sian stood out as the only one that could be relied upon to deliver against the timelines we were held to.

David Stevens

A client since 18.06.19

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Friendly, efficient and easy mortgage application process, despite hiccups with bank statements and amended purchase details. Sian tackled it all with patience and good humour and kept me abreast of everything at all stages. Highly recommend.

Mark Brown

A client since 2019

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Sian took what could have been a very stressful situation and guided us very smoothly through the entire process. Sian was always available and responsive, either via email or telephone.

Matthew Croston

A client since 2018

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