Business Details
Your Trusted Mortgage Advisers in Widnes
FPM Advice Centre is a trusted, FCA-authorised mortgage advisory firm based in the North West, serving clients across England and Wales. With decades of combined experience, our team specialises in providing independent, client-first mortgage solutions tailored to individual needs. We offer whole-of-market access to a wide range of mortgage products, including first-time buyer schemes, buy-to-let portfolios, remortgaging, equity release, and later-life lending.Our approach prioritises transparency, local market knowledge, and end-to-end support, ensuring clients navigate the mortgage process with confidence. As an FCA-regulated entity, we adhere to strict professional standards, delivering advice that aligns with clients' long-term financial goals. Our reputation is built on exceptional client care, with most business stemming from referrals and repeat clients.
Services
First Time Buyer Mortgages
Buy to Let Mortgages
Remortgaging
Equity Release
Later Life Mortgages
Lifetime Mortgages
New Build Mortgages
Holiday Let Mortgages
Home Mover Mortgages
Highlights and features
- We are FCA-authorised experts with decades of combined mortgage market experience.
- Our independent advice covers the entire mortgage market, including exclusive deals.
- We offer tailored solutions for first-time buyers, investors, and later-life clients.
- Our local knowledge spans the North West, with nationwide service capabilities.
- We provide hassle-free, end-to-end support from initial consultation to completion.
Associations and certifications
- Financial Conduct Authority
What people say
Expert guidance
Personalised service
Successful solutions
Trustworthy advisors
Efficient process
Services
First Time Buyer Mortgages
We specialise in guiding first-time buyers through the mortgage process, explaining options in plain English. Our advisors help clients understand eligibility criteria, secure competitive rates, and navigate government schemes. With tailored support from application to completion, we ensure first-time buyers make informed decisions aligned with their long-term financial goals.
Equity Release
Our FCA-regulated equity release solutions enable homeowners aged 55+ to unlock tax-free cash from their property. We offer lifetime mortgages and retirement interest-only products, with clear explanations of how these affect inheritance and benefits. Clients receive personalised illustrations and independent legal advice to ensure informed decision-making.
Remortgaging
We help homeowners secure better mortgage deals, reduce monthly payments, or release equity for home improvements. Our process includes reviewing current terms, comparing market rates, and managing applications. Clients benefit from our access to exclusive broker-only deals and end-to-end administrative support.
Buy to Let Mortgages
We provide tailored advice for property investors seeking competitive buy-to-let mortgage rates. Our services include portfolio strategy development, tax-efficient structuring, and access to specialist lenders. With market expertise spanning Greater Manchester and nationwide, we help investors navigate regulatory requirements and maximise rental returns.
Later Life Mortgages
Designed for clients aged 55+, our later life mortgage products include retirement interest-only and lifetime mortgages. We assess individual circumstances to recommend solutions that balance immediate financial needs with long-term estate planning, ensuring clients retain home ownership while accessing necessary funds.
Questions
What mortgage services do you offer?
We provide first-time buyer mortgages, buy-to-let financing, remortgaging, equity release, later-life mortgages, and new build self-build solutions across England and Wales.
Are you regulated by the FCA?
Yes, we are fully authorised and regulated by the Financial Conduct Authority (Register Number 783811) for mortgage and later-life lending advice.
Can I remortgage with bad credit?
Yes, we work with specialist lenders offering mortgages for adverse credit histories. We'll assess your situation and recommend suitable options with transparent terms.
How does equity release affect inheritance?
Equity release reduces the value of your estate. We explain different products' impacts and can recommend options that allow partial inheritance protection if required.
Do you offer remote consultations?
Yes, we provide secure video calls via encrypted platforms, telephone consultations, and in-person meetings across the North West and surrounding areas.
What are your office hours?
Our advisors are available Monday-Friday 9am-5pm, Saturday 9am-1pm. We also offer flexible appointment scheduling outside these hours when needed.
Reviews (2)
Vicky Woof
May 09, 2021
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As first time buyers we did not know what to expect from the process. Mark our broker was fantastic all the way through. He took care to explain everything to us thoroughly and was extremely responsive when we had questions or concerns. The mortgage application, life insurance and buildings/contents insurance was all done by Mark efficiently. We couldn't have been more pleased with Mark's help and support. We would 100% recommend Mark and FPM Advice Centre and we will definitely be using their services again.
Chris Sallaway
Mar 23, 2021
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I highly recommend FPM Advice Centre Ltd for considered, friendly, professional and great financial advice. Mark really listens to personal situations and tailors advice accordingly. You can tell he genuinely cares about his clients. Thank you.
