Firco Group

Independent Financial Advice
& Mortgage Brokers

Empower Your Money

Firco provides advice across a wide range of financial services. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with them. This is achieved by ensuring that we understand the individual needs of each client, and to implementing tailored financial plans to address those needs.

Our aim is to help individuals and businesses to achieve their financial goals. Our approach is straight forward. You tell us about your current situation and about your financial objectives and when you want to achieve them. We develop a practical plan designed to help you meet those objectives and empower your money. We’ll discuss the plan with you and agree the course of action you want to take. Whilst the final decisions are of course yours, we’re here to help and guide you with jargon-free advice both now and in the future.

Get a Free Pension Review

Worried your pension will not be enough? Use our service for peace of mind after a full review & tailored...

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Get a Free Pension Review

An Introduction to Pensions

Getting to grips with the basics Pensions are typically viewed as being complex and difficult to understand. As a result,...

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An Introduction to Pensions

Pension Top Tips

Top Tips For Retirement Saving It’s never too early to start saving into a pension… You should start saving for...

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Pension Top Tips

Making Sense of Pension Withdrawals

Pension Withdrawals Making Sense Research* has revealed that one in five over 55's with a private pension withdrew a lump-sum...

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Making Sense of Pension Withdrawals

Market update: Coronavirus

Market update: Coronavirus Investment markets around the world received a boost from central banks as the US Federal Reserve made...

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Market update: Coronavirus

Markets Update

Markets Update At the end of January, several major global markets closed in negative territory. The recently signed US-China trade...

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We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please click on ‘Become a Client’ at the bottom of the page and complete the enquiry form and we will normally contact you within the same working day during business hours or if you would prefer us to contact you outside normal business hours then please advise and we will quite happily do so. Alternatively you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

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Bank Rate maintained at 0.1% - September 2020 The

Bank Rate maintained at 0.1% - September 2020

The Bank of England’s Monetary Policy Committee (MPC) sets monetary policy to meet the 2% inflation target, and in a way that helps to sustain growth and employment. In that context, its challenge at present is to respond to the economic and financial impact of the Covid-19 pandemic. At its meeting ending on 16 September 2020, the MPC voted unanimously to maintain Bank Rate at 0.1%. The Committee voted unanimously for the Bank of England to continue with its existing programmes of UK government bond and sterling non-financial investment-grade corporate bond purchases, financed by the issuance of central bank reserves, maintaining the target for the total stock of these purchases at £745 billion.

We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. Above all, we will treat every client with respect and provide personal attention from your first enquiry.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

If you are thinking of moving house - now is the t

If you are thinking of moving house - now is the time to do it!

Stamp Duty Holiday Explained
The chancellor has announced a temporary holiday on stamp duty on the first £500,000 of all property sales in England and Northern Ireland.

The tax threshold has been temporarily raised until 31 March 2021 in order to boost the property market and help buyers struggling because of the coronavirus crisis.

The changes have come in with immediate effect.

What is stamp duty?
#Stampduty is a tax paid by people buying properties, although it varies slightly across the UK.

In England and Northern Ireland buyers pay Stamp Duty Land Tax.

In Scotland it is Land and Buildings Transaction Tax, while in Wales buyers pay Land Transaction Tax.

The amount handed to the government depends on where you are in the UK, and the price of the property.

The changes to stamp duty will only apply to buyers in England and Northern Ireland.

So what has changed?
The government has temporarily increased the stamp duty threshold to £500,000 for property sales in England and Northern Ireland, until 31 March 2021. This means anyone completing on a main residence costing up to £500,000 between 8 July 2020 and 31 March 2021 will not pay any stamp duty at all, and more expensive properties will only be taxed on their value above that amount.

This will save buyers as much as £15,000, if they are buying a property of £500,000 or more.

The move is aimed at helping buyers who have taken a financial hit because of the coronavirus crisis.

It is also intended to boost a property market hit by lockdown. According to the Halifax, house prices have fallen for four months in a row.

Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388

Let us do all the work for you! With thousands of

Let us do all the work for you!

With thousands of options to consider choosing the right mortgage can seem a daunting prospect.

Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence.

We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388

#stampdutyholiday The tax paid by people buying p

#stampdutyholiday

The tax paid by people buying property - will be cut on transactions below £500,000 until 31 March, Chancellor Rishi Sunak announces "These changes to stamp duty will take effect immediately"

If you are looking for the best mortgage advice get it touch today!

Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388

We will make you an offer you cant refuse! We pro

We will make you an offer you cant refuse!

We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs. We will treat every client with respect and provide personal attention from your first enquiry.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

Bank Rate maintained at 0.1% - June 2020 The Bank

Bank Rate maintained at 0.1% - June 2020

The Bank of England MPC voted unanimously to maintain Bank Rate at 0.1% and to continue with the existing programme of £200 billion of UK government bond and sterling non-financial investment-grade corporate bond purchases, financed by the issuance of central bank reserves. The Committee voted by a majority of 8-1 to increase the target stock of purchased UK government bonds, financed by the issuance of central bank reserves, by an additional £100 billion, to take the total stock of asset purchases to £745 billion.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

Happy thoughts, happy life! Life is short – whi

Happy thoughts, happy life!

Life is short – which means there isn’t room in your life for anything but good vibes!

If the world’s weighing you down, set yourself free. It’s sure to have you radiating positivity and feeling great.

It is still business as (un)usual here... Another

It is still business as (un)usual here... Another happy client during these strange times.

We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs.

Above all, we will treat every client with respect and provide personal attention from your first enquiry.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

The Bank of England Monetary Policy Committee at a

The Bank of England Monetary Policy Committee at a special meeting on 19 March voted to cut Bank rate from 0.25% to 0.1% and increase its holdings of UK government and corporate bonds by £200 billion.

Firco Mortgages is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@FircoGroup.co.uk or call us on 0151 372 0388

Rishi Sunak’s first Budget took place against th

Rishi Sunak’s first Budget took place against the backdrop of the global outbreak of COVID-19. Not surprisingly the UK’s response to this was the initial focus – providing some much needed short term financial measures in the current uncertainty, from ensuring the NHS has sufficient budget to cope, to extending statutory sick pay rules that affect millions of workers.

The new Chancellor set out a Budget which supports the government’s ambition for a ‘fair and sustainable tax’ system.

Many rumours didn’t quite come to pass, we did not see an overhaul of inheritance tax, scrapping of Entrepreneurs Relief or an announcement of a wide spread review of pensions tax relief. But as expected we did see an increase in the Tapered annual allowance, and the good news was it was significantly more than expected, saving many from significant tax bills and the hassle of carrying out complex calculations.

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

Please see our website for more information, or yo

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

Friday 13th! Dont be #scared Make sure you're fi

Friday 13th!

Dont be #scared

Make sure you're financially #healthy

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

There's been an emergency cut in interest rates in

There's been an emergency cut in interest rates in the face of #coronavirus by 0.5% to 0.25% - the joint lowest in history.

From the Bank of England's press conference, the following: "Activity is likely to weaken materially in the coming months" in the wake of coronavirus, says Governor Mark Carney. Smaller companies will be worst hit. "The reduction in bank rate will help bolster confidence at this difficult time," he adds.

Andrew Bailey, who will soon replace Mark Carney as governor says the Financial Policy Committee's decision to ease capital requirements will be followed by "monitoring" to make sure banks lend.

The pound slumped 0.5% against the euro to €1.136 and was little changed against the dollar at $1.289. The cut in rates makes the UK less attractive as a place to deposit #money by foreign investors seeking cash deposits or bonds.

#Share #markets reacted positively, albeit after a choppy week. The #FTSE 100 rose 1.4% in early #trading today.

The key target of this move is the cashflow of small and medium-sized businesses, which could be hit by a combination of slumping demand, trade difficulties and staff absence.

The Bank and Treasury agree that this will be a temporary shock. The aim, therefore, is to prevent unnecessary permanent economic scars. Alongside Budget measures, it is designed as a bridge beyond the virus.

To be clear, coronavirus is unique and highly unpredictable. There is a fundamental problem of people and businesses not being able to function because of the measures to contain the virus. The message from the Bank is that the banking system is fully padded up to help businesses get through this.

Based in Liverpool, with global coverage we provid

Based in Liverpool, with global coverage we provide you with impartial advice and services, delivered in plain English and tailored to your individual needs.

Above all, we will treat every client with respect and provide personal attention from your first enquiry.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

We want you to enjoy the good life!! Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

We provide you with impartial advice and services,

We provide you with impartial advice and services, delivered in plain English and tailored to your individual needs.

Above all, we will treat every client with respect and provide personal attention from your first enquiry.

We arrange bespoke solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

To all our clients and followers ♥️🌹 we lov

To all our clients and followers ♥️🌹 we love you all! 🌹♥️ Happy Valentine's Day

Bank Rate is the single most important interest ra

Bank Rate is the single most important interest rate in the UK. In the news, it's sometimes called the ‘Bank of England base rate’ or even just ‘the interest rate’. Our Monetary Policy Committee (MPC) sets Bank Rate. It's part of the Monetary Policy action we take to meet the target that the Government sets us to keep inflation low and stable.

Bank Rate determines the interest rate we pay to commercial banks that hold money with us. It influences the rates those banks charge people to borrow money or pay on their savings.

If Bank Rate changes, then normally banks change their interest rates on saving and borrowing. But Bank Rate isn’t the only thing that affects interest rates on saving and borrowing.

We don’t tend to publish mortgage rates on our website. In most cases rates are negotiable and based squarely on the individual circumstances of the borrower, their plans, assets and income.

Firco is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence. We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

You can email us with details about your requirements to info@fircogroup.co.uk or call us on 0151 372 0388

Is your mortgage fixed rate coming to an end? Get

Is your mortgage fixed rate coming to an end?

Get in touch with us to see how we can save you money on your bills!

Firco is an independent mortgage broker that has strong relationships with the key lenders in the UK mortgage market, including those private banks who do not have a high-street presence.

We arrange bespoke mortgage solutions for our clients, providing a tailored one-to-one advisory service, delivered face-to-face or remotely, depending on what suits you.

Please see our website for more information, or you can email us with details about your
requirements to info@fircogroup.co.uk or call us on 0151 372 0388

#MortgageBrokers
#TrustedAdvisor
#Mortgage
#Expert
#Finance
#Money
#LuxuryHomes
#Best
#Broker
#Remortgage
#DreamHome
#MortgageBroker
#MortgageAdvice

New year, new beginnings! Moving home, or looking

New year, new beginnings!

Moving home, or looking to remortgage to extend you home or to just lower costs... Give us a call to see how we can help you with your finances in 2020!

#mortgage #Finance #remortgage
#advice

Happy New Year everyone! As 2019 ends, we can't w

Happy New Year everyone!

As 2019 ends, we can't wait to see what 2020 has to offer.

There's no better time to plan for a brighter future for you and your family.
#HappyNewYear #2020

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