Planning on a Comfortable Financial Future Takes Time

Setting your goals is the first step to success. Having goals gives focus and direction. That’s where Peter Richards Financial Ltd can help.

our duty is solely to you

We are a whole of market financial adviser and independent mortgage broker, and our duty is solely to you – our client.

Peter Richards Financial Ltd are based in Hampton Vale, Peterborough, working across the UK with access to the whole of market. The advice we provide is completely impartial, and our continuous monitoring and research of the market enables us to recommend the most appropriate solutions to your financial and mortgage needs.

Please browse our website to find out more about who we are, our level of knowledge, experience and expertise, and how we conduct business. For further information, please contact us.

About Us

When it comes to financial matters, taking advice can be a daunting process, whether you are looking to take financial advice for the first time or you’ve taken financial advice in the past.

Finances often take a low priority for many people because they are complex, but at Peter Richards Financial Ltd our clients appreciate our ability to make the process both simple and enjoyable.

Residential mortgages

The mortgage market is increasingly diverse and often confusing. It can be tricky to keep up to date with the ever-changing regulation and the multitude of options available. Whether you are buying your first home, moving to another property or remortgaging onto a new deal, you will require a residential mortgage.

Remortgages

When you take out a new mortgage, you normally receive an introductory deal – for example, a lower fixed or discounted rate or a lower tracker rate for the first few years of the mortgage. Introductory deals typically last between two and five years.

Buy-to-let mortgages

Buy-to-let mortgages are designed for property investors and private landlords who do not intend to live in the purchased property. Buying additional property for the purpose of letting it to earn rental income can be risky and complicated since there is no guarantee that house prices will rise nor that rental income will be uninterrupted.

New build mortgages

A new build home comes with many perks. You won’t have to decorate, there’s no onward chain, and it will meet all the latest building codes and energy efficiency standards.

Help-to-Buy mortgages

Saving for a large deposit can be a long and tiresome journey, and sometimes may even seem impossible. However, thanks to the Government’s Help-to-Buy scheme, you can now buy a home with as little as a 5% deposit and have lower mortgage repayments than you would with a standard mortgage arrangement.

Our Approach

We will work closely with other professionals, such as lenders, accountants and solicitors, to deliver a seamless service to you. This is the six-step process we follow:

Initial meeting and review – identifying your needs and objectives
Getting to know you – gathering relevant information
Analysis – an evaluation of your particular financial situation
Recommendation – developing a strategic plan
Implementation – reaching an agreement on how and when the plan will be implemented
Ongoing service and relationship – regularly monitoring your progress

Pensions

Planning for your retirement is possibly the most important financial decision you will ever make. With life expectancy increasing year on year, we are now seeing the potential to spend almost as many years enjoying retirement as we have spent saving for it.

Family Protection

Wealth and personal protection is an essential must-have to secure the future for both you and your family if an unexpected life event happens. The security and opportunity your wealth brings can be protected for generations, but there are many things to consider.

Investments

Peter Richards Financial Ltd can help you make informed decisions about the investment choices that are right for you by assessing your life priorities, goals and attitude towards risk for return.

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"Paul was a great help! We got our dream home and still manged to keep our mortgage payments within budget."

C Lynch

"It was a pleasure to work with PRF Ltd, they really helped to get me back on track regarding my finances."

P Leader

"With so many options to choose in retirement, Peter sat down and discussed everything with me. Now I don't need to worry anymore."

R Cooper

"Thank you so much to Hayley at Peter Richards Financial ltd for sorting out my new mortgage! We probably did encounter every complication possible but she persisted and fought and now my monthly payments have been HALVED!!! Amazing!!! Couldn't recommend enough."

L Dyos

Contact us

Address
Peter Richards Financial Ltd
1 Peterfield Road
Hampton Vale
Peterborough
PE7 8NR