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Mortgages Mortgages are one of the largest single transaction in most people’s lives. Buying a property can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable deal, rather than simply accepting a lender’s offer.
Personal Pensions Personal Pensions represent a popular and attractive way of saving for your retirement. All monies invested into your fund grow free of capital gains tax, and the contributions you make are enhanced by income tax relief at source. For example if you invest £80, the government adds on tax relief (currently 20%)
Pensions Pensions are, of course, designed to enable you to save sufficient money to live comfortably after you have retired from work. There are many different 'tools' used to save for retirement and the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you.
Investing & Risk This page includes some of the good reasons for making investments into specialist 'funds' run by 'fund managers' on behalf of the investors. Whether you are looking at investing in a pension, an investment bond or perhaps using an Individual Savings Account (ISA) you might consider using investment funds.
Savings & Investments Why are we encouraged to save money? From childhood most of us are told to put away money to save for the future - perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt?
Life Protection Options There are several ways in which to protect yourself and your family in the event of an untimely death. Most people take out life insurance to provide for their families and alleviate any financial worries at a difficult time.
Protection Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property. Whilst insuring ourselves against an undesirable event such as sickness or even death may not be a pleasant thing to think about


The resources section of our website has been created for our clients and prospective clients, providing access to the latest infomation on our services and other guides which we believe may be of interest.

We intend to provide regularly updated guides and information, and registration will enable us to let you know, by email, when new documents are added to our growing library.

If having browsed through our resources, you are unable to find the information you are looking for, or alternatively have a suggestion for information which you may think would be useful, please contact either Ian or Nigel, by either telephone, email or by completing our contact form.

Our Resources section is divided into three main area;

  • Disclosure Documents - including Terms of Business, Our charges and Inital Disclosure Documentation
  • Downloads - Miscellanous Documents we consider may be of interest
  • Guides - Client guides on speciific topics eg Individual Savings Accounts, Reasons for Diversification etc


IDD for Mortgages


Client Service Charter


Savings for Children

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Important Information The information contained in this website is targeted at UK consumers. Essential Financial Advisers LLP is authorised and regulated by the Financial Conduct Authority. We are entered on the FCA Register under reference 460001.
Contact Information +44 (0)116 270 7100
+44 (0)116 270 7173
Registered Office 57 Francis Street
Partners Ian Highton
Nigel Warner