FCA Regulated · Est. 2008
Tailored mortgage and life protection advice for families protecting and growing their UK assets.
By the numbers
Trusted by clients from
Independent, whole-of-market advice across mortgages, protection, and estate planning. No bias. No hidden agendas. Just expert guidance built around you.
Start your reviewFirst-time buyer, remortgage, buy-to-let, and complex income — we search the whole market to find you the right deal.
Comprehensive life cover tailored to your family's needs — term, whole of life, and joint policies arranged from across the market.
A lump sum paid if you're diagnosed with a serious illness — so you can focus on recovery, not finances.
Replace your income if illness or injury stops you working — maintaining your lifestyle when you need it most.
Ensure your assets pass to the right people, efficiently and without unnecessary tax — backed by expert legal and financial guidance.
We don't work for insurance companies or banks. We work for you — which means every recommendation we make is driven solely by what's right for your situation.
We compare products from across the entire market — not just a limited panel — ensuring you always get the most competitive deal available.
Authorised and regulated by the Financial Conduct Authority (FCA No. 912820). Your advice, your money, and your data are fully protected.
One adviser, one relationship. You'll have a named expert who knows your situation and is available when you need them.
Our advice is free to you. We receive commission from providers, which is always disclosed upfront — full transparency, no surprises.
Your financial needs evolve. We review your cover annually and proactively get in touch when your circumstances or market conditions change.
We've helped thousands of families across the UK secure the right mortgage and life protection — and we're just getting started.
Most people put off getting proper financial advice because it feels complicated. We've made it simple. Three conversations and you'll have a plan you actually understand.
A relaxed 30-minute call with a dedicated adviser. No jargon. We listen first — to your goals, your worries, your situation — before we say anything.
We research the whole market and come back with a clear recommendation — the right products, the right level of cover, and the right price for you.
Once you're happy, we handle everything — applications, paperwork, and providers. Then we check in every year to make sure your plan still fits your life.
Trusted by thousands of clients nationwide — from first-time buyers to growing families across the UK.
"Everything was explained in plain English with no pressure at all. With a newborn on the way, they helped us understand exactly what cover we needed. We feel so much more at ease now."
"Supportive and responsive throughout. I felt well-informed at every stage and confident I was putting the right protection in place for my future. Would definitely recommend."
"As a new business owner, SMP made my first year simple. It felt collaborative — I could ask anything at any time. Gave me real confidence planning for myself, my business, and my family."
"Professional but approachable from the very first conversation. Never felt rushed or pushed into anything — gave me real confidence I was making the right decision for my family."
"Patient, responsive, and no question ever felt silly. Everything was explained clearly and honestly — made the whole process smooth and completely stress-free."
"Made what I thought would be a stressful process feel straightforward and manageable. Communication was excellent throughout — I always felt supported."
Can't find what you're looking for? We're always happy to help — reach out directly and we'll come back to you within 24 hours.
Contact usA 30-minute call could be the most valuable financial conversation you ever have. No jargon, no obligation — just honest, expert advice built around your life.
Mortgage Advice · FCA Regulated
Whole-of-market mortgage advice tailored to your situation — whether you're buying your first home, remortgaging, or investing in property.
Whatever your situation, we search the whole market to find the most competitive rate and the right deal for you.
Buying your first home is one of the biggest decisions of your life. We guide you through every step — from Agreement in Principle to completion.
Most popularComing to the end of your fixed rate? We'll search the market to find you a better deal before you roll onto your lender's standard variable rate.
Save money nowWhether you're building a portfolio or buying your first investment property, we find buy-to-let mortgages tailored to your rental income and goals.
For investorsComplex income doesn't mean a complicated process. We work with lenders who understand self-employed applicants — sole traders and directors welcome.
Specialist adviceTell us about your situation, income, and what you're looking for. No jargon, no pressure — just an honest conversation about your options.
Your adviser searches thousands of mortgage products across the whole market to find the most competitive rate for your circumstances.
We handle the paperwork, liaise with lenders, and keep you updated at every stage. You focus on the exciting part — we handle the rest.
We're not tied to a panel of lenders. We search every available mortgage product to find the right fit for your situation.
Fully authorised and regulated by the Financial Conduct Authority. Your advice and your data are fully protected.
Our mortgage advice is free to you. We receive commission from the lender once your mortgage completes — always disclosed upfront.
You deal with one person from start to finish. No call centres, no being passed around — consistent, expert advice.
Client Review
"As a new business owner, SMP made my first year simple. It felt collaborative — I could ask anything at any time. Gave me real confidence planning for myself, my business, and my family."
Speak with a dedicated adviser — free, no obligation, and no jargon.
Life Insurance · FCA Regulated
Comprehensive life insurance tailored to your family's needs — so the people who matter most are always looked after, no matter what.
Every family is different. We find the right type of life insurance based on your circumstances, budget, and what you want to protect.
Pays out a lump sum if you die within a set period — typically 10 to 40 years. The most straightforward and affordable way to protect your family's financial future.
Most popularGuaranteed to pay out whenever you die — not just within a fixed term. Ideal for estate planning and ensuring your loved ones always receive a payment.
For legacy planningPays a lump sum if you're diagnosed with a serious illness — giving you financial breathing room when you need it most.
Peace of mindA single policy that covers two people — typically partners or spouses. Usually more cost-effective than two separate policies for couples.
For couplesShare your situation — dependants, income, mortgage, and what you want to protect. Your adviser listens first, recommends second.
We search the whole market to find the best policy at the most competitive premium for your health and lifestyle.
Once your policy is in place, your family is covered from day one. We review your cover regularly as your life changes.
We compare policies from every insurer — not a restricted panel — so you always get the best cover at the most competitive price.
Fully authorised and regulated by the Financial Conduct Authority. Your advice and your policy are fully protected.
Our life insurance advice costs you nothing. We receive commission from the insurer — always disclosed clearly before you commit.
One person handles your case from start to finish. No call centres, no repeat explanations — consistent, expert advice.
Client Review
"Everything was explained in plain English with no pressure at all. With a newborn on the way, they helped us understand exactly what cover we needed. We feel so much more at ease now."
A quick conversation is all it takes. Free, no obligation, no jargon.
Income Protection · FCA Regulated
Income protection ensures your lifestyle is maintained if illness or injury stops you working — giving you the financial breathing room to focus on recovery.
We find the right income protection policy based on your occupation, income, and how long you'd need cover to kick in.
Pays a monthly benefit for a fixed period — typically 1 or 2 years. A cost-effective option if your employer offers some sick pay.
Budget-friendlyContinues paying until you return to work or reach retirement age. The most comprehensive form of income protection — ideal if you have dependants or a mortgage.
Most comprehensiveDesigned specifically for sole traders and contractors who have no employer sick pay to fall back on. Your income is your business — protect it properly.
For self-employedSet up through your limited company, with premiums paid as a tax-deductible expense. Tax-efficient protection for company directors.
For directorsShare your occupation, income, and employer sick pay. We'll work out exactly how much cover you need and the right deferred period.
We compare income protection policies from every insurer to find the one that best matches your occupation, health, and budget.
If you're ever unable to work, your policy pays a monthly benefit straight to your bank account — bills, mortgage, and lifestyle all taken care of.
We compare from every insurer — not a restricted panel — so you always get the best cover at the most competitive price.
Fully authorised and regulated by the Financial Conduct Authority. Your advice and your policy are fully protected.
Our income protection advice costs you nothing. Commission from the insurer — always disclosed clearly before you commit.
One person handles your case from start to finish. No call centres — consistent, expert advice throughout.
Client Review
"Supportive and responsive throughout. I felt well-informed at every stage and confident I was putting the right protection in place for my future. Would definitely recommend."
One conversation is all it takes. Free, no obligation, no jargon.
Estate Planning · Wills & IHT · FCA Regulated
Expert estate planning advice to ensure your assets pass to the right people, efficiently — minimising inheritance tax and protecting your family's future.
From writing your will to setting up a trust or planning around inheritance tax — we make sure your estate is handled exactly as you intend.
A professionally written will ensures your wishes are carried out and your assets go to the right people. Without one, the law decides — not you.
Essential for everyoneTrusts allow you to ring-fence assets for your beneficiaries while protecting them from unnecessary tax, legal challenges, or mismanagement.
Asset protectionWith estates over £325,000 subject to 40% IHT, strategic planning can significantly reduce your inheritance tax liability — legally and effectively.
Save up to 40%An LPA ensures someone you trust can manage your finances and health decisions if you're ever unable to do so yourself.
Essential planningWe start by understanding the full picture — your assets, property, pensions, and wishes. This forms the foundation of your personalised plan.
From writing your will to setting up trusts and IHT strategies — we put the right structures in place to protect your estate and minimise tax.
With everything in place, your wishes are protected. We review your plan regularly as your circumstances or legislation changes.
We're not tied to any product provider. Every recommendation is made solely in your interest — no bias, no hidden agendas.
Fully authorised and regulated by the Financial Conduct Authority. Your advice and your data are fully protected.
Our estate planning advice costs you nothing upfront. We'll always be transparent about any fees before you commit to anything.
One person handles your case from start to finish. No call centres — consistent, expert advice you can trust.
Client Review
"Made what I thought would be a stressful process feel straightforward and manageable. Communication was excellent throughout — I always felt supported."
A free conversation is all it takes to start protecting your estate and your family's future.