Independent pension and financial advice for people in Manchester and across England, by phone and video.
By phone and video, from our office in London.
We advise people in Manchester by phone and by video. Our only office is in London.
Your first call is with an Account Manager, at no cost to you. Your adviser is Sunny Bharj or Tony Springer, or Mike Chan for a mortgage.
A first home in Manchester goes for about £234,979, against £250,173 across the whole market.
Buying here means Stamp Duty Land Tax, collected by HMRC. The rate you pay depends on the price, on whether you already own another property, and on whether you have owned a home before. We include it in the affordability sums from the start.
Land Registry UK House Price Index, June 2026.
A detached home around here at £475,871 uses up most of one person's inheritance tax allowance before anything else is counted. Whether your estate has a bill to pay depends on what sits alongside the house, and on whether the home is passing to your children.
We work out what your pensions will pay and how to meet any shortfall.
Pensions →We find which lenders say yes to someone in your position, before you apply.
Mortgages →We work out how much cover you need, for how long, and who receives it.
Protection →We work out what your estate would pay today and what each option changes.
Inheritance →We check how much risk your investments carry and whether it suits you.
Investments →We set the order for your pensions, savings, cover and estate.
Planning →Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.