Pensions

Trusted, retirement planning experts

Based from our offices in central Manchester we help customers throughout the North West and beyond. Our expert retirement advisors are on hand to provide you with the best advice and tailored pension solutions for your personal circumstances, find out more >

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Chartered Financial Planner

When can you afford to retire?

We use cashflow modelling software to help you to explore your retirement options, such as how you can build your wealth.  There are three main types of pension: the State Pension; defined benefit pensions, and defined contribution pensions.  Understanding which you have or need is important because it affects the decisions you need to make as you approach retirement.  Estimating how long your retirement can be is difficult without expert help, but you need to bear this in mind when deciding what to do with your retirement savings – they may have to last longer than you think.  You may also want to make provisions for any family or dependants you have so that they receive an income and/or inherit any unused money from your pension pot when you die.  As highly qualified retirement advisors, Money & Mortgages can help you work out how much income you’ll need throughout your retirement, contact us >

Make sure that you don’t end up paying more tax than you need to in retirement

Your pension income is taxable just like any other income and the amount of Income Tax you have to pay depends on your total income for the year.  Working out when you retire, and how much cash to take from your pension pot so that you don’t end up paying more tax than you need to can be complicated.  We work with you to build a personalised financial plan for your retirement and show you what your financial future could look like.  It allows you to explore your options, such as when you can afford to retire and how you build your wealth.  

As highly qualified retirement advisors, Money & Mortgages can help, contact us >  

An annuity converts your savings into an annual pension

If you’ve saved into a defined contribution pension scheme during your working life, you’ll have to decide what to do with the pension fund you’ve built up when you approach retirement age.  One option is to buy a lifetime annuity (often called just an annuity) and you may also have various other options for your pension pot.  These other options may affect your decision about whether to buy an annuity, so they must be considered carefully.  We work with you to build a personalised financial plan using the latest cashflow modelling technology to show you what your financial future could look like.

As highly qualified retirement planning advisors, Money & Mortgages can help, contact us >

Why it’s vital to make a will when planning your retirement

A will is the only way to make sure your money, property, possessions and investments (known as your estate) go to the people and causes you care about.  If you don’t make a will, you will die ‘intestate’ and your estate may not go to the people you want.   There are special rules for how your estate will be distributed these are called intestacy rules.  Whether you opt for an annuity, drawdown or leave money in your pension pot, it’s essential you complete an expression of wish form to say who should inherit any cash or income due from this.  If you don’t, your retirement product provider may not know who should inherit this and your heirs may have to pay unnecessary Inheritance Tax.  Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will writing is not regulated by the Financial Conduct Authority.

As highly qualified retirement planning advisors, Money & Mortgages can help, contact us >

Use the calculator below to work out how much Inheritance Tax will need to be paid on your estate:

It’s not just your income that’s likely to change in retirement, your spending will too 

If you have any outstanding loans, a mortgage or credit card debts, paying these off may seem a good idea as this would reduce your monthly spending and the amount of income you need in retirement.  But it could also reduce the amount of money you have available to provide yourself with an income in retirement.  This is the sort of decision that requires careful thought and would benefit from expert financial advice.  We work with you to build a personalised financial plan using the latest cashflow modelling technology to allow you to explore your options.

As highly qualified retirement planning advisors, Money & Mortgages can help, contact us >

Your financial plan

Using the latest technology we work with you to build a personalised financial plan for your life.  We use Voyant cashflow modelling software to show you what your financial future could look like.  Voyant takes complex financial concepts and enables us to explain them easily to you with beautiful, easy-to-read artwork that projects your finances forward. It allows you explore your options, such as when can you afford to retire & how can you build your wealth.  Voyant is flexible and interactive, allowing us to modify and add details at any time. Debt, investments, property, even holidays – you can incorporate all of these into your financial plan and it shows you how your plan would react in real time.  This video shows the changing concerns of a couple as they near retirement, please contact us to find out more about cashflow modelling >

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Why choose Money & Mortgages?

  • We love what we do

  • Our Partner Marc Harrison has individual Chartered Financial Planner status- the gold standard in financial planning

  • We offer no jargon, just clear, straightforward professional financial advice

  • We’re known for our excellent service that guarantees a simple and cost-effective process and seamless service

  • We offer a fee FREE, no obligation, initial consultation

A pension is a long term investment.
The fund value may fluctuate and can go down.
Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation. 

Money & Mortgages and Openwork awards

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Chartered Financial Planner

Trusted by our clients

Excellent
Money and Mortgages
4.9
Based on 92 reviews
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Elizabeth
Elizabeth
We were recommended to use Luke for several remortgages. This turned out to be a huge mistake. He repeatedly didn’t respond to emails or phone calls, told us he would get back to us and then just went silent. He told us an application had been made and 2 months later nothing has happened. We have since gone to another mortgage advisor who actually knows how to reply to emails and respond and complete the paperwork. The whole experience has been very poor and if Luke is not capable of doing the job, he should have passed our details to a colleague. He has let us down and his employers.
Kyle N.
Kyle N.
I wish I was leaving a far better review here but unfortunately our experience has been extremely poor. We started our first time buyer mortgage process with Luke back in September - we couldn’t fault him at all at the time. November soon came around and after waiting for some things to clear (on our end), Luke went radio silent. Multiple emails and texts were sent with no response. We managed to get back in contact with Luke via calling on his mobile to which he implied he was going to proceed with what we needed over the next couple of days - this never happened. We contacted him again to which he said it would be the same day - again this never happened. We are now 2 weeks later and haven’t heard a further word from Luke. We have had to opt for another mortgage advisor which has unfortunately now delayed our whole application. Not only this, Luke also works closely with 2 other family members of ours, who have also had the same experience.
Jane B.
Jane B.
Always helpful and present. Personal, individual service at all times. Everything explained clearly with accompanying clear and understandable written information. Very proactive if funds need to be obtained quickly. I thoroughly recommend Money & Mortgages UK.
Edward C.
Edward C.
Money & Mortgages have been extremely helpful in several of my house moves. Paul has been great and taken the time to help me understand available options along the way. I'll always use these guys for future mortgage advice and more.
Response from the owner: Thank you for this amazing review, much appreciated
Jagdish R.
Jagdish R.
I have known Paul Elliot for number of years during this time he has done few Mortgages and remortgages for me and my other members of the family. He’s been very helpful and also give correct advice. He’s very good at seeking best and better deals for you I must say. I strongly recommend him and his company on Mortgages, Remortgages, and all the financial planning.
Response from the owner: Thank you Jagdish - we really appreciate your custom, time and trouble in leaving this fantastic review, much appreciated.
Warren F.
Warren F.
Helped me get a mortgage on my first property. All questions were answered promptly. Luke was incredibly patient with me as he had to do numerous DIPs for me while I was shopping around over the years.Was a pleasure working with everybody (Luke, Matt and Kelly)
Response from the owner: Thanks for the lovely feedback Warren.
David S.
David S.
Just renewed a part of our outstanding mortgage with Paul from Money and Mortgages UK. Very professional and helpful. We were recommended Paul by a family member and he has always given that professional service that the customers want. First class!
Response from the owner: Thanks very much for taking the time to post this review, it is much appreciated.
Richard L.
Richard L.
As a first time buyer, I was daunted at the prospect of getting a mortgage. Paul Elliot and his team made it feel like the easiest process in the world. I highly recommend their services. Nothing is too much trouble, responses are almost instant, there is no need to chase them for anything as everything happens like clockwork!!
Response from the owner: Thank you, we appreciate your review and will forward your comments to our team!
Rob W.
Rob W.
Jon and Jade were so easy to work with on our house purchase. Proactive thinking and very quick to respond. Would highly recommend Money & Mortgages, and will definitely work with again.
Response from the owner: Thanks Rob. 👍
EmBarnes
EmBarnes
Both Paul & Jade were lifesavers throughout our buying process. As first time buyers, we had so many questions and uncertainties and Paul was always on hand to answer anything and was super honest with our options throughout! It was so handy having them do all the hard work behind the scenes for us when applying for our mortgage and we would definitely use them again in the future! Thank you!
Response from the owner: Thanks for this amazing feedback! Much appreciated!
Clare G.
Clare G.
Jade and Paul have been brilliant from the start of this process to the end, informing me every step of the way. I can't thank them enough for their guidance and help and I'll be back when my current mortgage deal runs out.
Response from the owner: Thanks for the wonderful feedback, much appreciated
Benjamin C.
Benjamin C.
Response from the owner: Thanks
Scott G.
Scott G.
I cannot thank Paul and Jade enough for their help over possibly the longest house purchase ever!Paul helped us in the process of porting our previous mortgage, over to our new property with some additional borrowing. The process was made so simple and the did all the leg work for us, which was a massive help when you are stressing about the conveyancing process.Jade was fantastic at keeping on top of solicitors, although they didn’t like responding to her. Jade made sure everything was in place, such as life insurance and got one of her colleagues to arrange home insurance with me, so moving in would be a smooth process.Paul and Jade are the reason I returned to use money and mortgages and I will continue to use them in the future.Thank you for helping us buy our dream home.Scott & Catharine
Response from the owner: Thanks Scott & Catharine, we really appreciate your lovely feedback about our team!!! Happy New Home from Team M&M
Chris H.
Chris H.
We have used Money & Mortgages twice over the past few years. First to buy our first home, then when we moved. They were recommended from parents.Advice and guidence could not have been better nor friendlier. We have always been amazed at how quickly communication went and how thorough the team are.Highly recommended.
Response from the owner: Thank-you Chris! Your feedback and loyalty is much appreciated!
Patrycja
Patrycja
I am returning customer. Paul was amazing to deal with from start to finish. Very helpful and always there to answer any questions.100% recommend.
Response from the owner: Thank-you!
Gary S.
Gary S.
M&M never let us down. We’ve been using their services for 8 years and this time we’re taken good care of by James.James was an absolute star. Very personable and made the whole process of getting a mortgage for a new property easy. He also managed to switch us onto a fixed rate mortgage for our other property which the bank had previously refused to do when we tried several times prior.Really can’t speak highly enough of James and the whole Money & Mortgages team. Thank you all.
Response from the owner: Thanks for the lovely review- we appreciate your ongoing business!
Gym F.
Gym F.
Stephen Seward from Money & Mortgages is absolutely first class, extremely helpful and very friendly, Stephen definitely knows his job, he goes out of his way to find the best deal suitable for you, I would absolutely recommend, I wouldn’t use anyone else now
Response from the owner: Thank-you for your amazing feedback- we’re grateful for your support.
William R.
William R.
Really fast efficient and reliable service, couldn’t recommend them enough . Everyone who dealt with our mortgage was really friendly and polite. Top quality service!!!!!
Response from the owner: Thanks for your great comments- we appreciate your business.
Kelly J.
Kelly J.
I am now a returning customer of money & mortgages. My initial enquiry was a renewal of my buy to let property. Jon was extremely efficient in gaining a fantastic deal to suit our needs. We received support from the first contact to the completion of the product. We then needed to remortgage our own home as our current deal was coming to an end. There was only one company I was going to give my return business to after the excellent service we received the first time around. Once again absolutely exceeded our expectations. Prompt contact with a very competitive new deal which not only cleared the existing mortgage but gave us extra funds to clear some other debts and look at some home upgrades. We received constant phone/email support from Megan who consistently chased the legal firm and kept us fully updated throughout. Absolute 5 star service and I would happily recommend to anyone looking for a professional, personal and prompt service
Response from the owner: Thank-you Kelly, this is awesome feedback. We are delighted that Jon & Megan were helpful & supportive. We really appreciate your loyalty and recommendation, thanks again.
ABIW P.
ABIW P.
Have used every time we have done a mortgage or remortgage, Jon explains everything very simply and gets us the best deal, once the offer is received you are then looked after until completion with any issues explained and followed up with the solicitors. Would definitely recommend Money & Mortgages!
Response from the owner: Thank-you for your great review! Much appreciated.
Danny B.
Danny B.
Hi, Just bought our first property and couldn't speak highly enough of Money Mortgages! Thanks James and the team. Danny B
Response from the owner: thank-you!
Clelia Lo V.
Clelia Lo V.
The service I received from James was second to none. He went above and beyond, supporting me through the whole process of buying the house, not only finding me a mortgage. Truly a 5 star device. I would definitely recommend.
Response from the owner: Thanks
Krystine L.
Krystine L.
Fabulous service from start to finish for Paul and the team. Talked us through options and really helped up choose the right product. Can't thank them enough.
Response from the owner: Thank-you!
Bruno P.
Bruno P.
Wanted to say a massive thank you to James Lawton for helping through my first time buy. Been with me from the start and only a phone call away for when i needed anything. Would highly recommend! Great Communication and Advice.
Response from the owner: Thank-you Bruno! Great to hear that James & team were so helpful. Don’t forget, we have a refer a friend offer for the future. Thanks again
Cefin W.
Cefin W.
I recently used Money & Mortgages to re-mortgage, they found me a really good deal (much better that the one I was on). They were very professional and helped me through out the process, would definitely recommend using them.
Response from the owner: Thank-you very much for the superb review, we really appreciate it!
Richard Girvan (.
Richard Girvan (.
Excellent company that provides an excellent service from beginning to end: sensible, balanced, customer-focused advice; helpful, responsive and supportive customer service. Will definitely use Money & Mortgages again.
Response from the owner: Thank-you for the great review, much appreciated.
Damiana C.
Damiana C.
Jon, Kelly, Megan and Jade are a delight to deal with. They helped with my mortgage back in 2014 and were outstanding with my remortgage in the difficult pandemic years. They are responsive, professional, caring and were the only ones that took the time to help me through a difficult remortgage process. They are hands down the most reliable and trustworthy business I have come across in the UK and I am not sure what I would have done without them. I would highly recommend.
Response from the owner: Thank-you so much for your lovely review Damiana, we really appreciate it!
Mark C.
Mark C.
Great service once again from Steve and Megan - very response and even after they've provided their brokerage service, they keep in touch to see how the purchase is going right up until completion. Hoping to be working with you guys again very soon.
Response from the owner: Thanks for your review! Much appreciated!
Lucy B.
Lucy B.
Jon and the team at Money & Mortgages provided us with a professional and friendly service !They worked quickly and efficiently with great communication every step of the way to find us a mortgage under tricky financial circumstances ! Could not recommended them more :)
Response from the owner: Thank-you Lucy!
Paul D.
Paul D.
Jon and the team did an incredible job in sorting my recent re-mortgage. Such a professional service and all the team always respond immediately to any email/call. I wouldn't hesitate in recommending Money and Mortgages to anyone looking to re-mortgage.
Response from the owner: thank-you
Paul G.
Paul G.
New Mortgage handled with no issues. All very professional with regular updates
Response from the owner: Thank-you
Max G.
Max G.
My wife and I recently used James Lawton from Money & Mortgages for assistance with our first property mortgage. James went above and beyond what we expected and was always on hand to answer any questions and walk us through the whole process. From our experience, if you want personalised, friendly advice and support whilst buying your first home and navigating the mortgage process as well as, life and critical insurance cover, we would highly recommend James and Money & Mortgages.
Response from the owner: Thank-you!
Marissa W.
Marissa W.
James Lawton arranged my new mortgage. He was extremely professional and explained everything to me in simple terms. Communication was great throughout and everything was set up smoothly. Would recommend!
Response from the owner: Thank-you
Iwona S
Iwona S
Just bought my first flat with Steve Seward and Megan Kittrick and they made the whole process so easy and stress-free. Very professional and always very responsive. Totally removed all the hassle of what seemed like a never ending and daunting process and I would encourage anyone reading this review to consider getting in touch with them. Highly recommend. I will definitely use again when my mortgage deal is up.
Response from the owner: Thank-you
Hannah M.
Hannah M.
Our whole experience with Money and Mortgages was excellent from start to finish, who got us our first mortgage. They were always happy to help and answer any questions, helping us feel at ease and in capable hands. We couldn’t recommend them enough! Great service!
Response from the owner: Thanks!
George B.
George B.
As a worker in the property industry i used the guys at Money & Mortgages for everything in my purchasing process. If you are lucky enough to fall in the hands of Steve Seward and Megan Keerick then you literally have nothing to worry about. From the very first phone call and introduction both of them have been brilliant in keeping me up to date and been reassuring throughout the whole process (I definitely didn't have the easiest purchasing process!). The price of the broker fees are some what undervalued for the amount of work these guys put in and they are a huge credit to their team and the company they work for. Thanks for everything i will not be using any other broker for any of my purchases!!
Response from the owner: Thank-you!
Amanda D.
Amanda D.
Dealt with Paul who was great…Responds to emails quickly and made everything clear throughout the whole process of the remortgage. Would definitely recommend!
Response from the owner: Thanks for the superb review Amanda, we really appreciate your feedback!
Dave M.
Dave M.
Just completed a re-mortgage via Money & Mortgages. Still consistent and efficient throughout the process, as they were when used in the past. Particular thanks to Paul & Megan.
Response from the owner: Thank-you for this superb feedback.
Katherine H.
Katherine H.
I’ve used Money and Mortgages for arranging mortgages and remortgages for over 10 years and have always been exceptionally pleased with their services, professionalism and expertise. Thanks this time to James Lawton for all his assistance throughout my mortgage offer process: he was always one step ahead, kept in touch regularly and explained things clearly. Great service, nice people and fairly priced. I certainly recommend the team here.
Response from the owner: Thank-you!
Jennie G.
Jennie G.
Money and Mortgages have been fantastic every step of the way with my mortgage application. As a self employed person, mortgages can be a minefield and Paul was patient and extremely helpful throughout the whole process. I was informed at every step of the application, via both email and phone calls. No question went un answered and my understanding of the process has improved immensely with Paul and Megan’s support. I would highly recommend Money and Mortgages if you are looking for a broker( especially if you are self employed) they are reliable , informative and ,most importantly, understanding of individual circumstances. Their help has proved invaluable to me.
Response from the owner: Thank-you!
A G
A G
I've used Money & Mortgages several times now and the level of service and attention to detail is second to none. They provided me with a detailed search of mortgage options, helped with a complex purchase and communicated clearly with me throughout, proactively chasing parties along the way. I've recommended M&M, especially Paul Elliot and Megan Kittrick to several people now.
Response from the owner: Thanks
Karen A.
Karen A.
Highly recommend money mortgages. James Lawton has been looking after us and has been brilliant! Keeping us informed, being very patient why we make our decision and helping us every step of the way. I will definitely use again when my mortgage deal is up.
Response from the owner: Thanks for your comments Karen, much appreciated!
Haoyi G.
Haoyi G.
I recently purchased my 1st flat and the whole process could not be done in a straightforward way without the team's helps and efforts! Stephen, Luke, James and Megan looked after everything from the very beginning and they are always responsive and professional! Definitely recommend!
Response from the owner: Thank-you!
Lindsey C.
Lindsey C.
I recently opened my first pension with Stephen and couldn’t recommend him enough! With being self employed I really didn’t know where to start. Stephen took the time to go through and explain things in further detail and was always at the end of the phone when I had any questions.A very trustworthy company, thanks again 👍🏻
Response from the owner: Thanks :)
Ian J.
Ian J.
Amanda and I have sort mortgage and money advice from M&M on a few occasions and each occasion the advice and service has been nothing short of exemplary. We can not recommend this service enough, thank you again and look forward to our next venture with your guiding approach.
Response from the owner: Thanks for this great review! Much appreciated.
Claire H.
Claire H.
The staff at Money and Mortgages are very friendly and helpful from start to finish. Fantastic service, they provided us with fair and impartial advice - highly recommend.
Response from the owner: Thanks Claire- we really appreciate your feedback!
Jamie D.
Jamie D.
From start to finish of the whole process, Stephen was attentive and responsive to all my needs and wants. Very happy with the overall service to which I received and especially the overall outcome. Highly recommended.
Response from the owner: Thank-you Jamie!
Abass “Juni” B.
Abass “Juni” B.
I have had the pleasure of procuring Money & Mortgages services since 2014! They are absolutely efficient, courteous, professional and proactive. A big shout out to Paul E., Megan K., Kelly G., James L. and the entire team. I strongly recommend their superb services.
Response from the owner: Thanks Abass
Rachel F.
Rachel F.
Jon has helped me for many years find the best mortgages to suit my circumstances and I have always found him professional and responsive. Recently instructed Jon to re-mortgage my home and with the help of Megan the whole transaction was smooth and painless. Would highly recommend this company.
Response from the owner: Thank-you Rachel
Tilly T.
Tilly T.
100% recommend - Paul who assisted me went above and beyond and I am so thankful
Response from the owner: thank-you
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