Business Details
Trusted Financial Advisers in Lowestoft
At Fresh Financial Consultants, we pride ourselves on delivering professional financial advice tailored to individual client needs. Established in Lowestoft, Suffolk, our team of experienced mortgage and protection consultants prioritises honesty, efficiency, and integrity in every client interaction. We specialise in mortgages, insurance, and protection services, offering a personalised approach without aggressive sales tactics. Our advisers work closely with clients to identify suitable financial products, leveraging extensive local market knowledge and access to a wide range of mortgage options. As an appointed representative of PRIMIS Mortgage Network, we operate under the regulatory oversight of the Financial Conduct Authority, ensuring compliance with industry standards.We provide transparent fee structures, with a standard mortgage advice fee of 297 discussed upfront. Our services extend to first-time buyers, remortgaging, buy-to-let mortgages, and commercial referrals, alongside insurance products like buildings, contents, and landlord coverage. We also facilitate introductions to third-party providers for wills, trusts, and conveyancing services, maintaining clear disclaimers about their unregulated status. Our commitment to customer service is reflected in our no-obligation quotation process and flexible communication channels, including in-person and online consultations.
Services
Mortgages
Insurance
Protection
Wills and Trusts
Financial Planning
Highlights and features
- We provide personalised financial advice without sales pressure.
- Our advisers have extensive local knowledge of the mortgage market.
- We operate under FCA regulation for client protection.
- Transparent fee structure with upfront cost discussions.
- Access to a wide range of mortgage products and insurance options.
Associations and certifications
- Financial Conduct Authority
Services
Mortgage Advice
Our mortgage advisers help clients find suitable home loan solutions, including first-time buyer schemes, remortgaging, and buy-to-let options. We assess individual circumstances and match lenders' criteria while providing transparent fee structures. Our FCA-regulated service combines local market expertise with access to a wide range of mortgage products.
Insurance Services
We facilitate access to buildings, contents, and landlord insurance policies through third-party providers. Our team explains coverage options for residential and rental properties, including personal possessions cover. We ensure clients understand policy terms and conditions before making referrals to regulated insurance providers.
Protection Insurance
We offer life insurance, critical illness cover, and income protection policies tailored to individual needs. Our advisers explain different policy types, including term assurance and whole-of-life cover, while providing guidance on trust arrangements. We work with established providers to secure appropriate protection solutions for clients.
Wills and Trusts
We connect clients with third-party specialists for will writing and trust arrangements. Our referral service explains the importance of estate planning, inheritance tax considerations, and probate avoidance strategies. We highlight that these services operate outside FCA regulation while ensuring clear information about available options.
Financial Consultancy
Our financial planning service covers mortgage applications, insurance needs assessments, and long-term financial security strategies. We provide written quotations, explain product features, and offer free initial consultations. We maintain partnerships with conveyancers and other financial specialists to support comprehensive client solutions.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, remortgaging, buy-to-let, residential, and help-to-buy schemes with access to a wide market range.
Are your services regulated?
Our mortgage and protection services are FCA-regulated, while wills, trusts, and conveyancing referrals operate outside this regulation.
What insurance products can you help with?
We facilitate buildings, contents, landlord, and personal possessions insurance through third-party providers with appropriate coverage explanations.
How much do your services cost?
Our standard mortgage advice fee is £297, discussed and agreed upfront based on individual circumstances.
Do you offer protection insurance?
Yes, we provide life insurance, critical illness cover, and income protection policies through established providers.
Can you help with estate planning?
We refer clients to specialist providers for will writing and trust arrangements, explaining inheritance tax and probate considerations.
