Our Services

At Hayhurst Wealth Management, we offer a wide range of Mortgage and Protection solutions to support you at every stage of your financial journey. Whether you're buying, moving, refinancing, or planning for the future, our team is here to help with clear guidance and personalised advice. If you have any questions or would like to discuss your options, please feel free to get in touch — we’re always happy to help.

Mortgages

First Time Buyers

Taking that first step onto the property ladder can feel daunting, but it doesn't have to be. At Hayhurst Wealth Management, we're here to guide you through the entire process, making it as stress-free as possible.

We understand that as a first-time buyer, you'll have lots of questions:

What can I afford?
How much deposit do I need?
What's the difference between all the mortgage options?
What other costs do I need to budget for?

That's where we come in. As your independent mortgage advisers, our job is to listen to your needs, explain everything in plain English, and search the entire market to find the best mortgage deal for you.

We'll be by your side from that very first chat to the day you pick up the keys to your new home. Our goal is to empower you with the knowledge and confidence you need to make the right choices for your future.

Home Movers

Moving home is an exciting step, but it often comes with lots of decisions and financial considerations. Whether you're upsizing, downsizing, or simply looking for a change, we're here to make the process smoother and more manageable.

As a home mover, you may be thinking about:

What happens to my existing mortgage?
Can I port my current deal to a new property?
How much can I borrow for my next home?
What additional costs do I need to plan for?

At Hayhurst Wealth Management, our role is to guide you through every option available, clearly explain how each one works, and ensure your mortgage aligns with your next chapter. We’ll search the whole market, compare deals, and help you secure a competitive mortgage that suits both your needs and your long-term goals.

Whether you're moving across town or across the country, we’re here to make the financial side of your move as seamless and stress-free as possible.

Remortgages

A remortgage can be a smart way to take control of your finances—whether you're looking to save money, secure a better rate, or release equity from your home. Whatever your goals, we’re here to help you make an informed and confident decision.

People choose to remortgage for many reasons, including:

Securing a better interest rate when a fixed deal is ending
Reducing monthly repayments
Funding home improvements or renovations
Consolidating existing debts
Releasing equity for future plans or investments

As independent advisers, we will assess your current mortgage, explore your options across the entire market, and explain everything in clear, straightforward terms. We’re here to ensure your new deal works for your current situation and future ambitions.

At Hayhurst Wealth Management, our goal is to help you make the most of your mortgage. We’ll handle the details and guide you every step of the way—so you can focus on what matters most.

Buy to Let

If you're looking to expand your investment portfolio, a buy-to-let property can be a great option. A buy-to-let mortgage is a specific type of loan for properties you plan to rent out, rather than live in yourself.

Investing in property can seem complex, but we’re here to simplify the process and help you make the right choice.

We’ll guide you through key considerations, such as:

Rental Yield
- Understanding how much you could earn from rent.
Deposit Requirements
- Buy-to-let mortgages often require a larger deposit than a residential mortgage.
Regulatory Differences
- We'll help you understand the specific regulations and responsibilities of a landlord.
Tax Implications
- We'll point you toward the right professionals for advice on tax and legal matters.

At Hayhurst Wealth Management, we’ll work with you to find a mortgage that fits your financial goals. Our independent advice means we can search the market to find a competitive deal that works for you.

Ltd Company Buy to Let

For many property investors, using a limited company to purchase a buy-to-let property has become a popular and tax-efficient strategy. This approach can be particularly appealing for those looking to build a property portfolio, as it offers a different set of tax rules compared to owning a property in your personal name.

Using a limited company for your buy-to-let investment can offer potential advantages, such as:

Tax Efficiency
- You may be able to offset mortgage interest against rental income, which isn't always possible for individual landlords.
Building a Portfolio
- This structure can be beneficial for managing multiple properties under one entity.
Long-Term Planning
- It can provide a clear structure for passing on your assets.

This is a more complex area of property finance, and the right approach depends entirely on your personal circumstances and financial goals.

At Hayhurst Wealth Management, we can help you navigate this specialist market. We will explain the process, outline your options in a straightforward way, and help you find a suitable mortgage solution for your limited company.

Protection

Life Insurance

Thinking about the future of your family is one of the most important things you can do. While it's a topic no one likes to dwell on, having the right plans in place can provide incredible peace of mind for you and your loved ones.

Life insurance is a way to make sure that if the unexpected were to happen, the people you care about most are financially protected. It's not about planning for loss; it's about making sure your family's future is secure, no matter what.

A life insurance policy can help your family with:

Paying off the mortgage, so they can stay in their home.
Covering everyday living costs and essential bills.
Ensuring your children's education can continue as planned.

We're here to help you find a policy that's right for you, making the process simple and straightforward. We'll listen to your concerns, answer your questions, and help you find a solution that offers comfort and security for the road ahead.

Critical Illness

Facing a serious illness is a challenge no one wants to imagine. Beyond the physical and emotional toll, a critical illness can bring unexpected financial burdens, from lost income to medical costs and household bills.

Critical illness insurance is designed to provide you with a financial safety net at the moment you need it most. It pays out a tax-free lump sum if you're diagnosed with one of the serious illnesses covered by your policy, such as cancer, heart attack, or stroke.

This lump sum can be a lifeline, giving you the freedom to:

Focus on your recovery without the added stress of financial worries.
Cover your mortgage payments and daily expenses.
Pay for private medical treatment or adapt your home if needed.

We understand that discussing these topics can be difficult, which is why we approach every conversation with sensitivity and care. We'll listen to your concerns and help you understand your options, so you can find a policy that provides you and your family with peace of mind.

Income Protection

Our ability to earn a living is one of our most valuable assets. But what would happen to your finances if you were unable to work due to an accident or illness?

Income protection is a valuable insurance that provides you with a regular, tax-free income if you can't work because of an injury or illness. It's a way of protecting yourself, your family, and your lifestyle by ensuring your bills can still be paid and your financial plans can stay on track.

This type of cover can help you with:

Paying your mortgage or rent
Covering essential bills like groceries and utilities
Maintaining your lifestyle while you focus on getting back on your feet

We know that no one wants to think about being out of work, but having a solid plan in place can offer immense peace of mind. We're here to help you understand how income protection works and find a policy that provides you with a reliable safety net.

Accident and Sickness

Life doesn’t always go to plan, and an unexpected injury or illness can make it difficult to work and meet everyday financial commitments. Accident and sickness insurance provides a regular income while you recover, helping to ease the pressure during challenging times.

This type of cover can help you:

Maintain your mortgage or rent payments
Cover daily bills and essential expenses
Keep up with financial commitments
Reduce stress while you focus on getting better

We’re here to guide you through your options and help you find cover that offers reassurance, stability, and support when you need it most.

Home Insurance

Your home is likely your most valuable asset, and the possessions within it are what make it truly yours. Protecting them both from unexpected events gives you the peace of mind to simply enjoy your space.

Buildings insurance covers the physical structure of your home, including the walls, roof, floors, and fitted kitchens and bathrooms. It protects against damage from things like fire, floods, storms, and subsidence. If the worst were to happen, it ensures you have the funds to rebuild or repair your home.

Contents insurance covers all the items you own inside your home, from your furniture and electronics to your clothes and jewellery. This protects your personal possessions from theft, fire, and other damage.

Whether you're a homeowner or a tenant, having the right level of cover is essential. We can help you understand the difference between policies and find the right buildings and contents insurance to suit your needs, ensuring you're protected without paying for more than you need.