Financial wellbeing is at hand
We are experienced mortgage advisors, based in Hampshire and advising across the UK. We specialise in residential mortgages and can offer advice to employed and self-employed individuals looking to purchase a new property, remortgage an existing property, expand a buy-to-let portfolio or raise capital for home improvements. It’s vital to us that our client’s futures are protected so we also advise on Life Insurance, Critical Illness Cover, Income Protection and a wide range of other insurances.


Financial wellbeing is at hand
We are experienced mortgage advisors, based in Hampshire and advising across the UK. We specialise in residential mortgages and can offer advice to employed and self-employed individuals looking to purchase a new property, remortgage an existing property, expand a buy-to-let portfolio or raise capital for home improvements. It’s vital to us that our client’s futures are protected so we also advise on Life Insurance, Critical Illness Cover, Income Protection and a wide range of other insurances.
Our Services

Mortgages
Purchase
Remortgage
Buy to Let
Limited Company Buy to Let

Insurance
Life cover
Critical illness
Income Protection
Landlords Insurance
Private Medical Insurance
Buildings & Contents Insurance

Financial Wellbeing
Mortgage Capacity Reports
Divorce or Separation Mortgage Advice
Wills & much more

Mortgages

Whether you’re buying your first home or looking to move we are here to help. We will find the right mortgage to suit your needs and budget.
Insurance

Life insurance pays a tax-free cash lump sum if you pass away – You can use this to cover your mortgage balance, so your loved ones don’t have this financial burden or leave a lump sum to your loved ones.


Financial Wellbeing

Divorce can be a stressful time especially knowing how to move forward financially. This report can help reduce some of those worries and enable you to put a plan in place moving forward. We offer a financial assessment to both parties and can guide you through to a fresh start individually.
Our Story
We are two friends who have worked together for over 20 years in Financial Services. We wanted to FUSE together, join our knowledge and experience and have the freedom to offer a bespoke service to our clients. Our clients are our focus, we are here to listen, we know every situation is different and understand the importance of getting this right. We will keep things simple, be flexible around you and provide the right advice to meet all of your needs now and in future.

Meet the team
Nicky Lane
I'm a full time mum and juggling day to day just like you. I know how precious life and time is and am passionate about helping people. I've always enjoyed advising and living through a pandemic was a driver for me to create a business that puts clients first. Knowing you have a personal adviser takes the stress out of dealing with these important areas and I want to build lifetime relationships with my clients.


Melodie Kett
I am a full-time mum of 2 boys who love to keep me busy! I have been working in Financial Services since moving to the UK from Canada in 2001. I had a background in banking in Canada. When looking at the finance industry in the UK, Mortgage and Protection advice for me was rewarding and personal. I have always prided myself on providing a unique and personal service to help you through the complex situations of buying, remortgaging, or purchasing a buy to let and helping you grow your portfolio.
Frequently asked questions
Please contact us if you cannot find an answer to your question.
Yes, it’s possible to get a mortgage at 60, but there are some things to consider:
- Lender criteria: Lenders have different age limits and criteria. Some may be more willing to lend to older borrowers than others.
- Affordability: Lenders will assess your affordability based on your income, savings, and other financial commitments. They may also consider your retirement income if you’re retired or close to retirement.
- Mortgage term: The length of the mortgage term may be shorter for older borrowers, which could mean higher monthly payments.
- Interest rates: Interest rates may be higher for older borrowers, as lenders may perceive them as higher risk.
- Have a good credit score: A good credit score will improve your chances of getting approved for a mortgage.
- Have a stable income: A stable income, whether from employment or retirement, will help you demonstrate your affordability to lenders.
- Have a large deposit: A large deposit will reduce the amount you need to borrow and may improve your chances of getting approved.