If you have come to the decision that you could benefit from some financial advice from a Financial Advisor in Sheffield, perhaps it’s because you want to maximise your pension pot, or find the best insurance product? You might even need help with the best mortgage product for your situation and you may be left wondering which of the many advisers out there are the best to help you?
There are a few tried and tested steps you can take to make sure you find yourself the best adviser in Sheffield, and a good starting place is to identify exactly what you are seeking advice for. There are five key reasons why someone would usually look to seek financial advice and these include:
- Inheriting money
- Getting married
- Having children
- Providing for family when you die
Once you have established which of these categories you fall into, it can become easier to narrow down the financial adviser who can best meet your needs. However, there are a number of questions you should ask any potential adviser before you commit to their service.
Need help finding an Independent Financial Advisor?
All advisors are registered with the Financial Conduct Authority
Services on Offer by Sheffield IFAs
- You are getting close to retirement age
- You have got a significant increase in earnings
- You have received an inheritance
- You are going through a divorce
- You sell a business, property, or have another significant event
- You want to consolidate your finances and take better control
- You are preparing to pass on some of your money to loved ones
- You are recently widowed
Many financial advisers will offer a free consultation in order to discuss their expertise and the fees.
Top 10 Independent Financial Advisors in Sheffield
|Rank||Advisor||Description||Find An Advisor|
|1||The highly skilled team of financial advisers at Kingswood work with a completely diverse range of clients in Sheffield, offering a comprehensive service in order to protect and grow their wealth.||Find An Advisor|
|2||Operating for just under 30 years, Westcourt Financial Services have established an excellent reputation in the area for delivering quality financial advice to a variety of clients in Sheffield.||Find An Advisor|
|3||The advisors at The Private Office enjoy the much coveted Chartered Status, which means that you know your finances are in safe hands. They have twenty years of experience providing their Sheffield clients with personal, tailored wealth management services in order to achieve their financial goals.||Find An Advisor|
|4||Mather and Murray are a holistic financial services company in Sheffield that offer completely independent financial advice to a wide variety of clients.||Find An Advisor|
|5||Fogwill and Jones offer completely independent, award winning, financial advice to clients in and around Sheffield, earning themselves an excellent reputation on the back of the quality service they provide.||Find An Advisor|
|6||At Futures Assured they aim to provide clear, independent financial advice to a wide range of clients in Sheffield, regardless of how big or small their financial requirements are.||Find An Advisor|
|7||At Jessop Financial Planning they strive to provide their valued clients in Sheffield with the best possible financial plan that is completely bespoke to them.||Find An Advisor|
|8||At Abbey Lane the financial advisers employ a creative and innovative solution to providing clients with the best possible service when it comes to financial planning.||Find An Advisor|
|9||At Hamnett they offer new clients a completely free review which comprises of a fully independent, chartered financial adviser meeting you in your own home with absolutely no obligation.||Find An Advisor|
|10||Clients of Andrew Stuart can rest assured that they are receiving completely trustworthy and fair financial advice for which they pay a simple fee, thus removing any commission based bias.||Find An Advisor|
Review and Analysis
Putting together a successful portfolio requires time and expertise. A finance adviser Birmingham will constantly review and analyse your investments, taking stock of changes in your circumstances, as well as changes in legislation, to ensure your portfolio continues to experience peak performance.
Obtaining a recommendation from a friend or family member can be one of the best ways to guarantee that you will get a good service from a financial adviser Newcastle. Other people’s positive experiences can speak volumes for the level of service and success you can expect. Another avenue is to ask for references from their existing clientele although this can be less convincing as the adviser can choose who you speak to themselves and will therefore avoid putting you in contact with any customers who have had a negative experience.
Are you a fiduciary?
There are a variety of fee structures employed by independent financial advisers and in order to ensure that your adviser is always acting in your best interest it is prudent to confirm that they operate on a fee only basis. This avoids the potential for advisers to recommend products from which they receive a commission, which in turn can present a conflict of interest. Make sure you express that you would like an entirely transparent fee structure that includes any hidden costs so you are aware up front of your total liability.
What qualifications do you have?
There are a number of qualifications that advisers can hold and depending on your requirements you may want to ensure that the adviser you choose can meet your needs with skill, knowledge and integrity. Chartered status is one of the more coveted qualifications in the industry and one to look out for.
How much access will I have to your advice throughout the process?
Knowing up front whether your adviser will meet with you face to face, be available both now and in the future for phone calls, how often you will meet etc is an important step in the process in order to avoid being left out in the cold as soon as you engage their services.
As well as all this you would be wise to familiarise yourself with the IFA’s website in order to gain more knowledge on the services they offer and their approach to investing. Due diligence at the start can help avoid costly mistakes down the line.
Here is our round-up of IFAs in Sheffield
Andrew Stuart & Company Ltd
Clients of Andrew Stuart can rest assured that they are receiving completely trustworthy and fair financial advice for which they pay a simple fee, thus removing any commission based bias. At Andrew Stuart they can relieve the anxiety surrounding your finances and ensure you don’t make any costly decisions, leaving you to focus on the important things in life, safe in the knowledge that your finances are in safe hands, working hard towards achieving the future you aspire to.
Lifetime Financial Planning
The earlier you start financial planning, the easier it is to achieve your ultimate financial goals. At Andrew Stuart they take a completely comprehensive approach to planning for your secure financial future and can tailor your plan according to your requirements as well as how long you have left to get there. They also factor in the protection you might need to ensure you can financially overcome any bumps in the road, and can present you with a clearly structured plan to get you to where you want to be.
Navigating a volatile investment market can be a daunting experience and a wrong decision can end up costing you dearly. At Andrew Stuart they aim to provide you with clear, simplistic advice across the entire market in order to maximise your returns in line with your attitude to risk. No matter the size of your intended investment, the skilled advisers are on hand with the intention of increasing your wealth using market leading technology.
Regardless of whether you have an existing pension in place, or are just starting to save for your retirement, or even need help consolidating various pensions, the advisers at Andrew Stuart are confident that they can add value to your arrangements with a properly considered plan that utilises the most recent changes to legislation in order to maximise your pension pot. Retirement options are increasingly becoming more complex and it’s important to know the various ways available for you to take the benefits that are open to you including:
- Tax planning
- Gradual retirement
- Early retirement
- Investment planning
- Varying of payment annually
Hamnett Wealth Management
At Hamnett they offer new clients a completely free review which comprises of a fully independent, chartered financial adviser meeting you in your own home with absolutely no obligation. This is the first step in building a long lasting relationship whereby they provide you with a fully comprehensive service in order to grow and protect your wealth, so you can feel safely on the path to financial security.
Authorised and regulated by the Financial Conduct Authority, the advisers at Hamnet always remain results driven, constantly striving to ensure you are fully tax efficient and any investments are achieving maximum returns. They offer a completely bespoke service which is constantly under their expert scrutiny to ensure your money continues to work hard towards achieving your goals.
Pensions and Retirement Planning
The unbiased, expert advisers at Hamnett have historically found that there is nearly always better value to be had from the open market when it comes to annuities, and therefore work with you to assess your current pension arrangements to identify areas where they can add value in order to get your pension working towards your retirement. They will also take the time to explain to you in clear, concise language the complex area of new flexible pension options which they believe can bring value to most circumstances as well as taking into account current legislations and means by which to mitigate your tax liabilities.
Tax Planning and Trust Funds
The advisers at Hamnett work with estates of all sizes in order to ensure that you have confidence that your loved ones are well cared for in the event of your death. This is more than simply mitigating your liability to inheritance tax but also takes into consideration inheritance tax returns, inheritance, income and capital gains tax, as well as UK and offshore tax advice. As well as this, the advisers can assist you in the creation of trusts in order to protect your assets.
The bespoke service that clients of Hamnett receive when it comes to investments takes into account how long you have to invest, your appetite for risk, and your ultimate goals, in order to put together a portfolio that is as unique as you are.
Abbey Lane Financial Associates
At Abbey Lane the financial advisers employ a creative and innovative solution to providing clients with the best possible service when it comes to financial planning. They have over thirty years of experience, servicing clients from Sheffield and the surrounding areas with integrity and impartial advice in order to meet their financial aspirations. Authorised and regulated by the Financial Conduct Authority, the independent financial advisers will analyse your current financial position as well as your retirement goals, in order to put together the best possible recommendations of products and services from across the entire market.
All investment advice is completely tailored to your individual requirements at Abbey Lane in order to ensure you receive a completely bespoke service that is best suited to your unique circumstances. Your adviser will take the time to completely understand your current finances, your attitude to risk, and your goals, in order to provide you with a list of options across the following services:
- Stocks and shares ISAs
- Investment bonds
- Investment platform services
- Fixed interest investments
- Ethical investments
- Structured products
- Exchange traded funds
When it comes to all important planning for your retirement, you couldn’t be in safer hands than at Abbey Lane. The highly skilled advisers will guide you through the pension options that are best suited to you, regardless of whether you are just starting your pension savings, wanting a review of your current pension arrangements in order to maximise on your savings, or are already retired and wish to explore your pension options.
At Abbey Lane they can help you secure just the right level of protection to make sure your financial plan stays on track, regardless of what life throws at you, whilst ensuring you stay within your budget. Whether you are looking to protect your income should an accident or illness leave you unable to work, or wish to protect your family with life insurance to ensure they are financially secure in the event of your death, the advisers are on hand to guide you through products from across the entire market to find the best product for you.
Jessop Financial Planning
At Jessop Financial Planning they strive to provide their valued clients in Sheffield with the best possible financial plan that is completely bespoke to them. They know that no two clients are ever the same and therefore believe that no two plans should be the same. They will spend time with you to identify factors that are of importance to you and your family and seek to answer some of the questions you may have regarding your current finances and your future.
The advisers at Jessop Financial Planning utilise the very latest technology in order to create your unique master plan to ensure you meet your financial goals. But it doesn’t end there, they constantly review and update your plan, in line with your changing circumstances and the constantly changing marketplace to ensure you stay on track year after year. Clients can expect to take advantage of their four step process to ensure the very highest level of service.
Discovery Meeting – This is an important step in formulating a comprehensive plan that is unique to you. Your advisor will take the time here to get to know you, where you are now, and where you aspire to be. This meeting is used to define your goals and ultimately create the perfect plan for you.
Masterplan Meeting – for the last four weeks, your financial adviser Sheffield would have been busily gathering your financial data and using this and the information gathered in step one to create a draft masterplan. This will be presented to you with the recommended changes.
Mutual Commitment Meeting – this will take place a week after your masterplan meeting in order to give you time to think of any queries you may have relating to your masterplan and also to familiarize you with the ongoing services you can expect to receive as part of the service at Jessop. Following this meeting the paperwork will be drawn up to facilitate the implementation of your masterplan.
Ongoing Review – as part of the great service you receive, you can expect your masterplan to be updated at least annually in line with changes to your circumstances, changes to the marketplace and to ensure that your plan continues to perform towards meeting your financial aspirations.
At Futures Assured they aim to provide clear, independent financial advice to a wide range of clients in Sheffield, regardless of how big or small their financial requirements are. They can help you shift through the financial jargon in order to get a concise understanding of how your finances are working and what needs to happen in order for you to achieve your financial goals. Established over twenty years ago, Futures Assured have gone from strength to strength, building their business on the back of providing a quality service across all areas of financial planning.
The specialist advisers at Futures Assured can help clients from all walks of life with both pre and post retirement planning, ensuring they can achieve the very best pension.
For pre retirement planning they can conduct a comprehensive review of your current pensions, ensuring you are on track to saving a sufficient pension pot for your retirement at the age you wish to retire. They can also help maximise your pension pot by implementing an investment strategy, utilising good performing funds to ensure you achieve the best possible returns.
For post retirement planning the expert advisers can help you navigate your way through the complex options to ensure you make the best decisions to protect your pension in line with your goals and objectives.
The advisers at Futures Assured can offer you the best possible solutions to ensure you and your family are completely protected against unexpected events that can occur.
Life Insurance Cover can protect your family financially in the event of your death however, there are many different products available in order to achieve this end, and without the right level of expert advice, it is possible to make mistakes which will potentially leave your family financially vulnerable.
Many people will insure their homes, but often your greatest asset is your ability to earn a salary. The advisers at Futures Assured can identify the very best product from across the market to protect your income should you become unable to work due to illness or accident.
Mather and Murray Financial
Mather and Murray are a holistic financial services company in Sheffield that offer completely independent financial advice to a wide variety of clients. They combine advanced technology with years of experience and expertise in order to provide clients with the best possible advice to grow and protect their wealth. They support their clients throughout their financial lifetime, constantly reviewing and adjusting their finances in order to ensure continued maximum results. Their customer service is unparalleled, and clients can access their information at any time using their innovative client portal.
There are typically over 10,000 mortgage products available at any one time on the market today and sorting through which one is perfect for your unique situation, is time consuming and exasperating. That’s where the skilled advisers at Mather and Murray come in. They use their experience and expertise along with specific software to search the whole market to identify the best product for you, at the best price.
As your home is likely to be your greatest asset, it stands to reason that you would want the correct level of insurance to protect you and your family should the unexpected happen. The advisers at Mather and Murray scan the entire market to find the best level of cover for you, in line with your financial plan, and your unique requirements.
The advisers at Mather and Murray are highly skilled in helping you build the best possible pension pot in line with your retirement goals and skillfully balanced with the way that you wish to take your income in retirement. They can successfully guide you through the complex area of investment wrappers and ensure that you are tax efficient both with your investments and when you start to draw on your retirement income. This is a completely bespoke service that is constantly reviewed and adjusted in line with legislation and any major changes in your life.
The tailored wealth management service at Mather and Murray is completely bespoke to you and your individual requirements. Getting to know you is at the heart of everything they do to protect and grow your wealth, in order to ensure that every step is in line with your current situation and your future goals and aspirations.
Fogwill and Jones Asset Management
Fogwill and Jones offer completely independent, award winning, financial advice to clients in and around Sheffield, earning themselves an excellent reputation on the back of the quality service they provide. They take into account all areas of your financial situation in order to provide you with a comprehensive strategy to meet your financial aspirations. This blends aspects such as investments, tax, trusts, retirement, protection, savings, wills, and powers of attorney, to ensure that all areas of your finances are working harmoniously together for maximum impact.
The skilled advisers at Fogwill and Jones are able to access the entire marketplace, without bias, in order to identify the very best investment opportunities to grow your wealth and ensure your pension funds are invested appropriately and remain relevant to both your circumstances and the marketplace. They also back this up with a comprehensive service when it comes time to draw on your retirement pot, offering advice to help you navigate the complex options available to ensure you make the right decisions to protect your wealth.
Protecting Your Estate
At Fogwill and Jones they have the experience and expertise to assist you in navigating the complex legislation surrounding inheritance tax so you can be sure that your family is protected when it comes time to inherit your estate. With thorough estate planning you can be sure you have mitigated your estate’s liability to tax on your various assets in order to save your family time and legal costs at an already stressful time.
At Fogwill and Jones they offer clients the choice of two types of investment service in order to provide for your unique needs. Clients can choose between an advisory service which gives them access to their adviser annually and provides a basic guidance, or the discretionary service, where an adviser will take care of all aspects of your investments for you, ensuring you obtain the maximum returns whilst utilising your capital gains tax. Your portfolio will be constantly monitored and adapted across a wide range of funds, taking into account your appetite for risk.
The Private Office
The advisors at The Private Office enjoy the much coveted Chartered Status, which means that you know your finances are in safe hands. They have twenty years of experience providing their Sheffield clients with personal, tailored wealth management services in order to achieve their financial goals.
Being completely independent, the financial advisors at The Private Office are able to offer their clients bespoke solutions and products from across the whole market on a case by case basis, in order to achieve the best results. Their award winning status and financial expertise has afforded them an excellent reputation among their clients, testimonials of which can be found on their website.
The Private Office have also published studies that show the financial benefits of seeking financial advice including:
Investments – on average, consumers who seek the advice of a financial adviser Sheffield are able to save approximately £40,000 more in investment value than their unadvised counterparts.
Savings – seeking advice on cash based saving products saved consumers on average between £20,000 – £59,000 more than their unadvised counterparts.
Pensions – Consumers who seek financial advice can expect to save twice as much into their pension pots as their unadvised counterparts.
There are tax allowances available which can help you mitigate or even eliminate your exposure to tax, but without the appropriate knowledge, you may not be taking advantage of these exemptions, and therefore be paying thousands of pounds more tax than necessary. An annual review of your situation is the only way to remain truly tax efficient and the advisers at The Private Office can help you with their comprehensive tax planning services.
As well as this, the advisers can help their clients navigate the complex area of inheritance tax, a liability that can affect anyone who owns their own home or has a substantial amount of savings. The advisers at The Private Office can help put solutions in place in order to mitigate your exposure to inheritance tax including gifting, insurance and financial planning to ensure your family are financially protected in the event of your death.
Westcourt Financial Services
Operating for just under 30 years, Westcourt Financial Services have established an excellent reputation in the area for delivering quality financial advice to a variety of clients in Sheffield. Regulated and authorised by the Financial Conduct Authority, they strive to deliver excellent service to all their clients, regardless of whether you are a private client or an international company, and they currently manage over £230 million of client funds.
At Westcourt they work with you, taking into account your unique circumstances, needs, goals, and attitude to risk in order to build a portfolio that is designed to grow and protect your wealth.
The advisors at Westcourt work to understand your unique requirements in order to provide flexible options to grow your wealth to meet your financial aspirations. Regardless of what you are investing for, the advisors will work with you to put together a long term strategy to meet those goals, utilising their expertise and objectivity in order to offer you the most intelligent solutions.
The expert advisors at Westcourt will work with you to identify any potential pitfalls ahead so you can effectively protect yourself and your family and ensure that your loved ones are provided for in the event of your death or should you become incapacitated and unable to work.
Later Life Advice
With life expectancy on the rise, there are more and more people who require assistance managing their retirement funds and successfully navigating the maze of options and products available. The experts at Westcourt can help with estate planning, care fees, equity release, and pensions and investments advice, in order to safely guide you through the best options for your unique situation.
The advisors at Westcourt work in line with your current financial plan and your unique circumstances in order to help identify the level of mortgage repayments you can afford and recommend the very best products to suit your needs. Regardless of whether you are buying your first home, buying to let, remortgaging, or moving up the property ladder, the advisors can help remove the ambiguity from the complex mortgage products available.
Kingswood Group Wealth Management
The highly skilled team of financial advisers at Kingswood work with a completely diverse range of clients in Sheffield, offering a comprehensive service in order to protect and grow their wealth. At Kingswood they have built their business around three core values in order to deliver the highest possible quality of service to their clients. These are:
- Integrity – the advisers at Kingswood have made a commitment to always act in the best interest of the client.
- Teamwork – building a trusting and beneficial relationship with clients in order to deliver a long lasting service.
- Impact – the financial advisers at Kingswood strive to make the most impact possible on your finances, using their training and expertise to grow and protect your wealth as efficiently as possible.
At Kingswood they completely understand that growing your wealth is most effectively achieved by fully comprehending your unique circumstances, along with your goals and aspirations. They take the time to get to know you and your personal financial situation in order to put effective plans in place to optimise your wealth and help you successfully plan for your future.
Sheffield Financial Advisor for Pensions and Retirement
Knowing that you can look forward to a comfortable retirement is invaluable, and at Kingswood, regardless of how close you are to retirement, they can help you plan ahead to ensure you secure the future you desire. Planning for your retirement is much more than simply paying into a pension pot. You need to be sure that you will achieve the correct level of income you need at a time when you wish to stop working, and this can only be realised by structuring your affairs in line with changes to legislation and increasing life expectancy. The advisors at Kingswood utilise years of expertise in order to create the most tax efficient, flexible retirement plan in order to support you in this endeavour.
Passing on your assets effectively can have a massive impact on the amount of money your loved ones will receive in the event of your death. At Kingswood the advisors can help you effectively and legitimately mitigate your inheritance tax obligations so you can rest assured that you will be passing on your wealth effectively.
FAQs about IFAs in Sheffield
I see adverts for Financial Advisors Sheffield and Financial Planners in Sheffield, what is the difference?
Whilst there is most definitely an overlap between the roles of a financial planner and a financial adviser, they do have important differences that you should familiarise yourself with before you engage their services. Both financial planners and financial advisors will assess your current financial situation in order to put together recommendations to improve that situation.
A financial adviser has the primary ambition of helping you to manage your money including:
- Investment management
- Estate planning
- Retirement planning
- Debt repayment
- Tax planning
Financial planners however are one type of adviser who specialises in creating a plan to help companies and individuals achieve their long term financial goals and can include entities such as:
- Retirement planning
- Education funding planning
It is important to note that whilst a financial adviser will possess qualifications and credentials to help them achieve their purpose, just about anyone can call themselves a financial planner without possession of any qualifications.
If I choose a local IFA in Sheffield what is it they will do?
The primary role of a financial adviser is to assist individuals in achieving their long term and short term financial goals. In order to accomplish this, financial advisors will meet with clients to assess their financial needs and work alongside economic trends, regulatory changes and the clients wishes in order to help them with investments, tax laws and insurance decisions.
Some of the typical tasks undertaken by a financial adviser can include the following:
- Recommend investments, select investments, and research investment opportunities.
- Provide clients with tax advice.
- Assist clients with insurance decisions and select the best products available.
- Help clients prepare for specific circumstances such as education expenses or retirement.
- Monitor client accounts and make appropriate changes to improve account performance.
How much should you pay a Sheffield financial adviser?
There are many variables as to how much a financial adviser will charge you including the specific advice you are after and the billing structure. Some of the different ways that you can expect to be billed for the services of a financial adviser include:
- An hourly rate, which in the UK will average at around £150 an hour although you can expect to be charged anywhere from between £75 to £350.
- A set fee. This can be the case should you wish to engage the skills of a financial adviser for a specific job.
- A monthly fee is often agreed for ongoing financial advice such as managing investment portfolios. This can be done in one of two ways, either via a percentage of the amount of money you are investing with them or alternatively as a flat fee.
There are many elements that will affect the fees that you are charged for financial advice, including the level of qualifications that the adviser is in possession of, the location of the adviser, the complexity of your situation, and how the service is delivered.
Many financial advisors will offer a free consultation in order to discuss their expertise and the fees. This is a great way to establish whether they are the right service for your needs.
What is the difference between independent financial advisors in Sheffield and a financial adviser in Sheffield?
A financial advisor in Sheffield sometimes referred to as a restricted adviser, can only give financial advice on a limited number of products such as insurance, mortgages and pensions, so while they may be in a position to provide good financial advice, they don’t always have access to the best products to suit your unique circumstances.
Conversely, independent financial advisers in Sheffield have access to the entire market and can therefore match the best product for your situation. An independent adviser in Sheffield has extensive knowledge of all monetary areas including investments, savings, insurance, pensions, tax and family estate management and should be authorised and regulated by the Financial Conduct Authority in order to ensure ethical practice and advice in line with your best interests.
How do I choose an independent financial adviser in Sheffield?
Commission driven products such as payment protection insurance have changed the way that independent advice is regulated in England. Tougher standards have been introduced banning commission driven sales and requiring advisors to hold higher levels of qualifications. However, there is still a variation in the quality of advice you can receive and you should be wary about simply employing the assistance of the first IFA you come across in Sheffield.
Firstly, you should ascertain what your needs are so you don’t get drawn into paying for a full service that you don’t actually need. The most common areas of financial planning are usually advice for paying off debts, building savings, mortgage advice, pension schemes and employer protection benefits.
If you are facing a big decision that requires a fair bit of cash, then you could certainly benefit from the advice of a professional. Decide if you need one-off advice or if you would benefit from an ongoing service.
It is also prudent to determine if you would like face to face advice, in which case you will need to employ the support of a company with offices local to you in Sheffield. Face to face advice can help build a trusting relationship with your adviser should you require ongoing support.
Whilst an independent adviser in Sheffield may initially incur a greater cost for their expertise, they can offer you any products from across the market rather than being limited to expensive or poor performing products that benefit the adviser financially. Bear this in mind when you are deciding whether to employ an IFA or a restricted adviser.
The last thing to take into consideration are the fees charged. You may need to meet with a few advisors in Sheffield to discuss their payment structure and find an arrangement that suits you and your individual needs.
How do I find a good IFA in Sheffield?
A good place to start is to seek a personal recommendation for an IFA in Sheffield. An IFA’s success with another client will speak volumes about their level of service.
Alternatively, you can find details of trusted IFA’s in Sheffield using our reviews, alternatively we can help you find a local independent IFA for free. Just enter your postcide below.
Need help finding an Independent Financial Advisor?
All advisors are registered with the Financial Conduct Authority
We recommend Mortgage Advice Bureau
Mortgage Advice Bureau works with Investing Reviews to provide their clients with expert mortgage and protection advice. We have access to over 12,000 mortgages from 90+ lenders so we can find the right mortgage to suit your individual needs.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.