Whatever your personal circumstances, our resources are designed to support you with your financial wellbeing. Our partners provide advice on your individual situation, exploring the actions you could take to reduce stress and build future financial security.
How can we help you?
I’d like FEE FREE advice on my mortgage or life insurance:
- FEE FREE Mortgage advice
- Mortgage Monitoring service
- Investing in property
- Buying your first home
- Updating your life insurance
FEE FREE Mortgage advice
Access your Fee-Free Mortgage Advice service from MortgagePA, offering expert, regulated guidance to navigate buying or remortgaging seamlessly. Trust in a local firm of expert advisers that prioritise service, putting your needs first, with flexible appointments online, by telephone, or in person. Filling in the form will open a free service to book an appointment at your leisure.
Mortgage Monitoring service
This Automated Mortgage Monitoring Service is completely free, and ensures someone is always monitoring your mortgage and intersest rate, scanning the market for superior deals on an ongoing basis. Receive monthly updates on your mortgage and property value, and never miss an opportunity to save. It’s financial vigilance, automated for your peace of mind.
Investing in property
Improve your property investment journey with our Fee-Free Mortgage Advice tailored for landlords and prospective landlords. Benefit from comprehensive support that extends beyond mortgages to include portfolio and business planning guidance, all at no cost. Develop your strategy, optimize your investments, and navigate the market with confidence and expertise.
Buying your first home
Buying a first home can be daunting and at times, overwhelming. Get personal support on your home-buying journey through our Fee-Free Mortgage Advice for first-time buyers. Our end-to-end service gently guides you from your initial enquiry to the moment you hold the keys to your first home. Beyond finding the best rates, we’re here to support you at every step, ensuring a smooth, reassuring path to homeownership.
Updating your life insurance
Do you need or need to update your life insurance? Get bespoke advice around the best and most effective ways to protect you and your loved ones from one of our personal advisers. From exploring the options of life, critical illness and income protection, to hand-holding through the application process, our team of experts are on hand to help arrange the most suitable policies from market leading insurance providers.
I’d like to know more about savings, pensions and investments, and/or I need a Will:
- Inheritance and IHT planning
- Advice on historic pensions
- Setting up, or switching pensions
- Tax efficient savings plans
- Making a Will
Inheritance and IHT planning
Navigate the complexities of inheritance and inheritance tax planning with our expert guidance, ensuring your legacy is preserved and passed on according to your wishes. Our service provides bespoke advice, tailored to your unique circumstances, helping you to minimize tax liabilities and maximize the value of your estate for future generations. Benefit from our comprehensive support, guiding you through every step of the planning process, from understanding tax thresholds to implementing strategies that safeguard your assets. With our expertise, planning for your family’s future becomes a clear and manageable journey, providing peace of mind that your legacy is protected and your loved ones are taken care of.
Advice on historic pensions
Unlock the potential of your retirement savings with our specialized advice on whether to collate historic pensions. Our service is designed to demystify the process of gathering and assessing your various pension pots, ensuring you have a clear understanding of your retirement finances. Understanding your options with your historic pensions, we help you create a cohesive strategy that maximizes your income for your golden years. Our experts provide personalized guidance, empowering you to make informed decisions about your pension consolidation, optimizing your retirement assets, and planning for a future that aligns with your aspirations. With our support, navigating the complexities of your pension landscape becomes straightforward, giving you the confidence to plan for a secure and fulfilling retirement.
Setting up, or switching pensions
Embark on a seamless journey to financial security in retirement with our expert advice on setting up or switching your pension. Whether you’re laying the foundations for your future or seeking to optimize an existing pension plan, our service offers tailored guidance to align your retirement savings with your life goals. We simplify the complexities of pension selection and transfer, ensuring you understand all options available, from the benefits of different schemes to the implications of switching. Our dedicated team is here to support you in making choices that enhance your pension’s growth potential and adaptability, ensuring a robust financial strategy that grows with you. With our expertise, establishing or transitioning your pension becomes a strategic step towards a prosperous retirement, crafted with your best interests at heart.
Tax efficient savings plans
Maximize your financial growth with our strategic advice on tax-efficient savings plans. Our bespoke service is crafted to navigate the myriad of options available, ensuring you capitalize on the most advantageous routes to save and invest your money with minimal tax impact. From ISAs to pensions and beyond, we guide you through the best strategies that align with your financial goals, offering clarity and confidence in your savings journey. Our expert team empowers you to make informed decisions, leveraging tax allowances and reliefs to bolster your savings and investment returns. With our support, crafting a tax-efficient savings plan becomes an integral part of your wealth management strategy, ensuring you retain more of your hard-earned money and build a stronger financial foundation for your future.
Making a Will
Ensure your legacy is preserved exactly as you wish with our comprehensive service on making a Will. Tailored to reflect your personal circumstances and desires, our advice helps you navigate the intricacies of estate planning with ease and precision. From designating beneficiaries to detailing asset distribution, we offer the expertise needed to create a Will that speaks clearly of your intentions, providing peace of mind for you and your loved ones. Our approach not only simplifies the process but also anticipates and addresses potential legal complexities, ensuring your Will stands as a testament to your life and values. With our guidance, making a Will becomes a thoughtful and secure step towards safeguarding your family’s future, ensuring your legacy is honored and protected.
I’d like to know more about how to manage my finances:
- Making a budget - a practical tool
- Which bills should I prioritise?
- Benefits calculator - what are you entitled to?
- Free regulated debt advice - online or request a call
Making a budget - a practical tool
Maximize your financial management with our guidance on using MoneyHelper’s Budget Planner, an interactive tool designed to revolutionize the way you handle your finances. This comprehensive resource offers a personalized approach to budgeting, allowing you to track your income, expenditures, and identify opportunities for savings. Our service helps you navigate the tool’s features, ensuring you get the most out of its capabilities to create a budget that fits your lifestyle and goals. By leveraging this powerful planner, you’re equipped to make informed decisions, set achievable financial targets, and work towards a more secure financial future.
Which bills should I prioritise?
Empower your financial decision-making with our insights on using MoneyHelper’s Bill Prioritiser, an interactive tool crafted to help you prioritize your bills effectively. In the maze of monthly obligations, understanding which payments to tackle first can be daunting. Our guidance simplifies this process, teaching you how to use the tool to assess your bills, determine payment priorities based on urgency and impact, and avoid potential penalties or services being cut off. This strategic approach ensures you manage your finances smartly, maintaining essential services while navigating tight financial situations.
Benefits calculator - what are you entitled to?
Unlock your entitlements with our expert guidance on navigating MoneyHelper’s Interactive Benefits Calculator. This tool demystifies the complexity of benefit entitlements, allowing you to understand which government aids you’re eligible for based on your unique circumstances. Our advice helps you efficiently use the calculator to input your information, providing you with a clear overview of potential benefits, including how much you could receive. This knowledge empowers you to make informed decisions, ensuring you’re not missing out on financial support that could make a significant difference in your life. With our support and MoneyHelper’s Benefits Calculator, step confidently towards maximizing your entitlements and enhancing your financial well-being.
Free regulated debt advice - online or request a call
Access indispensable support for your debt concerns with our guidance on utilizing the Money Adviser Network’s free regulated debt advice service. Whether you prefer an online consultation or a direct call, this platform connects you with professional advisers equipped to offer personalized, confidential advice tailored to your financial situation. Our service highlights how to make the most of this opportunity, guiding you through the process of requesting assistance, ensuring you receive expert advice on managing and overcoming your debt. By leveraging the resources available through the Money Adviser Network, you’re taking a proactive step towards regaining financial control, armed with the knowledge and support to navigate your way to a debt-free future.
I’m concerned about my debt and/or my energy bills:
- Debt support - Breathing Space scheme
- Help with energy bills
- Understanding your options for resolving debt problems
- Emergency help with money and food
Debt support - Breathing Space scheme
Gain vital relief with our expert advice on the Breathing Space scheme, which offers a reprieve from interest, fees, and court action for up to 60 days. This period allows you to reorganize your finances without the added pressure of accruing debt. We guide you through eligibility and the application process, helping you seize this opportunity to pause, plan, and progress towards financial stability.
Help with energy bills
Unlock essential support for managing your energy bills with our guidance. With rising costs, finding ways to reduce your energy expenses is more important than ever. We provide expert advice on accessing grants, discounts, and schemes designed to help you lower your bills and improve your home’s energy efficiency. Whether you’re struggling to keep up with payments or looking for proactive ways to save, our service ensures you’re informed about the available options and how to apply for them.
Understanding your options for resolving debt problems
Find a pathway out of debt with specialized guidance, drawing on Step Change’s comprehensive resources on available debt solutions. Whether you’re facing mounting bills or long-term financial strain, understanding your options is crucial. The service offers clear, tailored advice on navigating the variety of solutions from consolidation to management plans, ensuring you’re equipped to make informed decisions. By leveraging Step Change’s expertise, demystify the process, providing you with the knowledge and support needed to tackle your debt issues head-on.
Emergency help with money and food
Secure immediate assistance with money and food through our guidance, tapping into emergency support resources. In times of crisis, knowing where to turn for financial aid and sustenance is vital. Our service directs you to accessible emergency help options, including food banks, short-term loans, and government assistance programs. We provide essential information on how to qualify and apply, ensuring you receive the support you need swiftly and efficiently. By connecting you with these critical resources, we aim to alleviate your immediate concerns, offering a lifeline that helps you navigate through challenging times. Take the first step towards relief and recovery with our expert advice.
I am looking for a short term loan, or simple savings account:
- Borrow from £200 to £15,000, and repay over up to 5 years
- Set up an easy Savings account for you and/or your loved ones
- Not living or working in Sheffield? Find your local Union
Borrow from £200 to £15,000, and repay over up to 5 years
Discover financial flexibility with credit union loans, offering amounts from £200 to £15,000 at competitive rates. Enjoy the freedom to repay over a period of up to 5 years, tailoring your borrowing to suit your needs without compromising your budget. As a member of our credit union, you’re not just a customer; you’re part of a community-focused, safe, and ethical financial institution that puts your interests first. Benefit from lower fees, personalized service, and the peace of mind that comes from borrowing from an organization that values your financial well-being. Join Sheffield Credit Union and experience a more supportive way to manage your finances.
Set up an easy Savings account for you and/or your loved ones
Elevate your savings journey with your local credit union, where you can securely save up to £25,000, enjoying the benefits of a community-driven financial haven. Sheffield credit union is not just about offering services; it’s about nurturing a financial ecosystem where your savings contribute to and benefit from a collective well-being. As a member, you gain access to an ethical saving environment, competitive interest rates, and the assurance that your funds are protected, fostering both individual growth and communal prosperity. By choosing to save with Sheffield Credit Union, you’re not only building your financial future but also supporting a system that values and invests in its members. Join the credit union today and be part of a movement that prioritizes people over profit, ensuring your savings are in safe and caring hands.
Not living or working in Sheffield? Find your local Union
Not working or living in Sheffield? Visit the national credit union directory to find your local credit union
I want to know if I can save money on my Utilities, Broadband or Phone contracts:
- Utility bill review service
- Compare and save broadband packages
- Switch and save with UW's mobile phone service
Utility bill review service
UW could save you money when you bundle their award-winning services. Options on both a variable basis or choose a fixed-rate energy tariff for total peace of mind and price certainty on your energy rates. Streamline your finances with expert guidance on utility bill management. Enjoy the convenience of having someone else review and compare your bills, ensuring you’re not overpaying.
Compare and save broadband packages
Ranked in the top three in the Which? annual broadband provider survey with no mid-contract price rises or connection fees guaranteed on all packages. Plus, a free UW Wi-Fi Hub and multi service discounts available to all.
Switch and save with UW's mobile phone service
All the data you need from just £13. Get the Essentials with 8GB a month, or go Unlimited+ for just £23 a month. Plus enjoy flexible monthly contracts, fixed prices until 2025 and all your services on one simple bill.
I’m concerned about the impact of my financial worries on my mental health:
- Money and mental health
- Overspending when unwell
- Gambling and addiction
- Therapies and medication
- MENTAL HEALTH SUPPORT LINE
Money and mental health
Find solace and strategy at the intersection of finance and well-being with our guidance on exploring Mind’s resources on money and mental health. This comprehensive webpage offers invaluable advice, understanding the profound impact financial stress can have on mental health and providing practical tips for managing both. Our service encourages you to delve into these resources, equipping you with strategies to tackle financial challenges while safeguarding your mental well-being. By understanding the connection between your finances and mental health, you can adopt approaches that enhance both, leading to a more balanced and fulfilling life.
Overspending when unwell
Deepen your understanding of the intricate link between financial habits and mental well-being with our insights into Mind’s dedicated section on the connection between money and mental health, specifically focusing on the issue of overspending. This resource illuminates how psychological factors can drive financial behavior, offering targeted advice to recognize triggers and implement effective strategies to manage spending. Our guidance helps you navigate these insights, empowering you with tools to address overspending habits proactively, thereby improving both your financial and mental health. By engaging with this resource, you’ll learn to identify the underlying causes of financial stress and adopt healthier spending practices, fostering a more stable and positive outlook on life.
Gambling and addiction
Explore the critical connection between financial behavior and mental health with a focus on gambling and addiction through our guidance on Mind’s insightful resource. This section sheds light on how addictive behaviors, particularly gambling, can profoundly affect one’s financial stability and mental well-being. Our advice helps you understand the psychological aspects of gambling addiction and its impact on finances, offering strategies to seek help and regain control. By engaging with this resource, you’ll gain access to supportive measures designed to confront and manage addictive behaviors, leading to improved financial health and psychological resilience.
Therapies and medication
Navigate the landscape of mental health treatment options with our guidance on Mind’s informative resource. This section provides a thorough overview of the various treatments available, from therapy and medication to self-care and support groups, offering insight into what might work best for your unique situation. Our advice empowers you to explore these options with confidence, understanding the benefits and considerations of each treatment pathway. Engaging with this resource arms you with the knowledge to make informed decisions about your mental health care, promoting a proactive approach to finding the support that resonates with you.
MENTAL HEALTH SUPPORT LINE
Leverage vital support in times of need with our guidance on accessing Mind’s comprehensive helplines page. This resource offers direct pathways to emotional and practical assistance for those grappling with mental health challenges. Our advice helps you understand the scope of support available, from immediate counseling and advice to long-term support options, ensuring you know how to connect with the right help at the right time. By familiarizing yourself with Mind’s helplines, you gain a lifeline for navigating difficult moments, providing a sense of security and understanding that you’re not alone.
Your Financial Wellbeing Portal
Providing advice to improve, manage and control your financial situation
