Business Details
Your Trusted Financial Advisers in Hungerford
We are an Independent Financial Planning firm committed to providing the best possible advice for our clients. Our mission is to deliver peace of mind by helping clients meet their financial goals through tailored solutions. With a team of dedicated and highly qualified advisors supported by experienced technical and service staff, we offer a holistic approach to financial and wealth management. As a firm authorised and regulated by the Financial Conduct Authority, we adhere to strict regulatory standards, ensuring transparency and trust. Our services span mortgage advice, insurance, buy-to-let portfolios, and comprehensive financial planning, catering to both individuals and businesses.We pride ourselves on understanding the unique needs of each client, offering bespoke strategies that adapt to life's changing circumstances. Our membership of the British Insurance Brokers Association and partnership with the 'Countrywide' group further reinforce our commitment to excellence. We operate under the UK regulatory regime, focusing exclusively on consumers based in the UK, and maintain permissions for credit broking while not acting as a lender. Our trading style, Kerridge Financial, reflects our dedication to clear, consistent financial advice tailored to individual aspirations.
Services
Financial Planning
Mortgage Advice
Insurance Services
Buy to Let Mortgages
Remortgaging
Highlights and features
- We are FCA-regulated financial experts with tailored advice
- Our team offers bespoke solutions for unique financial needs
- We conduct whole-of-market mortgage searches for optimal deals
- Free initial mortgage reviews with no obligation
- Experienced advisors specialising in buy-to-let and property portfolios
Associations and certifications
- Financial Conduct Authority
- British Insurance Brokers Association (BIBA)
Services
Financial Planning
Our financial planning service creates tailored strategies to help clients achieve long-term goals. We assess individual circumstances, risk profiles, and aspirations to develop comprehensive plans covering investments, pensions, and tax efficiency. With FCA-regulated expertise, we ensure solutions adapt to changing life events while maintaining compliance with UK regulatory standards.
Mortgage Advice
We provide whole-of-market mortgage advice, sourcing optimal deals from high street banks, private lenders, and building societies. Our process includes initial free consultations, full discovery meetings, and application submission with ongoing lender liaison. We specialise in first-time buyer mortgages, remortgaging, and buy-to-let portfolios, ensuring competitive rates and regulatory compliance.
Insurance Services
Our insurance services offer comprehensive risk protection solutions tailored to personal and business needs. We provide expert advice on life insurance, critical illness cover, and income protection policies, ensuring adequate safeguards against unforeseen circumstances. As FCA-regulated advisors, we maintain strict compliance while prioritising client-specific requirements and affordability.
Buy to Let Mortgages
Specialist buy-to-let mortgage advice for landlords and property investors. We navigate complex market conditions to secure competitive rates for first-time purchases, portfolio expansions, and property lettings. Our FCA-regulated team ensures compliance with evolving regulations while optimising financing structures for maximum returns on investment.
Remortgaging
Our remortgaging service helps clients reduce costs by reviewing existing mortgages and identifying better deals. We assess tie-in periods, standard variable rates, and equity release options to recommend optimal solutions. The process includes market analysis, application assistance, and lender negotiations to ensure seamless transitions while maintaining regulatory compliance.
Questions
What financial services do you offer?
We provide financial planning, mortgage advice, insurance services, buy-to-let mortgages, and remortgaging solutions tailored to individual and business needs.
Are you regulated by the FCA?
Yes, Aqua Financial is authorised and regulated by the Financial Conduct Authority under registration number 605083.
What areas do you serve?
We operate under the UK regulatory regime and provide services to clients based in the United Kingdom.
What mortgage fees do you charge?
Our mortgage advice fee is £595, with a reduced rate of £350 for existing clients requiring subsequent advice.
Do you offer free mortgage consultations?
Yes, we provide free initial mortgage reviews with no obligation to proceed with our services.
Are buy-to-let mortgages regulated?
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages, but we ensure compliance with all applicable standards.
