Question 1

Do I need to pay for an initial consultation?

Accepted Answer

No, your initial consultation will be at our expense and without obligation. We'll discuss your financial goals and circumstances to understand how we can help you. There's no pressure to proceed – we want you to feel comfortable before making any decisions.

Question 2

Are you regulated by the Financial Conduct Authority?

Accepted Answer

Yes. Aitana Financial Services is a trading name of Kevin Paul Manktelow which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. FCA Number - 215234. You have the protection of the Financial Ombudsman Service and the Financial Services Compensation Scheme.

Question 3

How do you get paid for your advice?

Accepted Answer

We believe in complete transparency about our fees. Depending on the service, we may charge a fixed fee, an hourly rate, or receive commission from the product provider. We'll always explain our charges upfront before you commit to anything.

Question 4

What's the difference between a mortgage broker and going direct to a bank?

Accepted Answer

A bank can only offer their own products, whereas we have access to a carefully selected panel of lenders – including deals not available directly to consumers. This often means we can find the right rate for you, plus we handle all the paperwork.

Question 5

How long does the mortgage application process take?

Accepted Answer

Typically, the process takes 4-8 weeks from application to completion, though this can vary depending on the complexity of your case and the lender. We work hard to keep things moving and will keep you informed at every stage.

Question 6

Do I really need life insurance and protection?

Accepted Answer

While not legally required, protection insurance provides vital financial security for you and your family. Consider what would happen if you couldn't work due to illness, or if you passed away – we can help you understand the risks and find affordable cover.

Question 7

When should I start planning for retirement?

Accepted Answer

The earlier you start, the better. Thanks to compound growth, even small contributions made early can grow significantly over time. However, it's never too late to start – we can help you make the most of whatever time you have until retirement.

Question 8

Can you help if I have a poor credit history?

Accepted Answer

Yes, we have access to specialist lenders who consider applicants with adverse credit. While options may be more limited and rates higher, we can often find solutions where high street banks say no.

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