Max Gallagher - Financial Adviser

50% of under 35s* get help from their parents to buy their home. If you want to check if that’s possible for you, cashflow modelling can be a great step.

Get in touch to see how we can help:

📱0161 764 9944

📨 [email protected]

(*Source: Revealed: how much parents give their children to help them buy a home - Zoopla)

Financial protection for your business gives your company strength, stability, and confidence, no matter what challenges arise.

Get in touch to safeguard your success and keep control in the right hands:

📱0161 764 9944
📨 [email protected]

Many higher rate taxpayers don’t know they can get tax relief on their pension contributions, as long as they claim it themselves.

Speak to us for more advice on how to get your pension working harder for you:

☎️ 0161 764 9944
📧 [email protected]

Tax treatment varies according to individual circumstances and is subject to change.

Approver Quilter Financial Limited and Quilter Financial Services Limited. January 2026

Every tax year, you can use your gifting allowance to give away £3,000 tax free - helping to reduce the value of your estate and mitigate any potential inheritance tax bill for your family.

If you’re interested in estate planning, please get in contact:

☎️ 0161 764 9944
📧 [email protected]

Approver Quilter Financial Limited and Quilter Financial Services Limited. January 2026

🎙️Keynote Speakers List Announced

Join us for an inspiring event featuring industry experts who will share valuable insights on property trends, investment strategies, and the future of the rental market.

Only a few days left, book your tickets by clicking the link below.

🔗 https://www.eventbrite.co.uk/e/landlord-and-investor-event-tickets-410624237147

Happy Valentine’s Day from all of us here at FOG!

Valentine's Day 2026 in the UK is set to be a major retail event, with over half (55%) of consumers planning to celebrate, spending billions on gifts and experiences. Popular gifts include chocolate (56%), flowers (41%), and cards (41%), while dining out remains a key, albeit pricier, option.

💕Key 2026 UK Valentine's Day Trends & Data 💕

💗 Consumer Behaviour: Roughly 49% of people in England celebrate, with 16-34 year-olds the most likely to do so.

💗 Spending Habits: While inflation affects costs, spending remains high, with 83% of celebrants buying gifts for partners.

💗 Gift Trends: Chocolates, fragrance, and flowers are top choices. Men are significantly more likely to buy flowers (66%) compared to women (22%).

💗 Galentine's Day & Trends: The rise of "Galentine's Day" (Feb 13) has seen searches increase by 23%, focusing on celebrating friendships.

💗 Digital Trends: Online shopping is crucial, with online retail spending accounting for roughly 26.5% of sales in February 2025.

So, how much are YOU spending on Valentine’s Day this year?

🌟 We’re Hiring! Mortgage Administrator (Part‑Time) 🌟

Looking for a flexible role with a supportive team? We’re expanding and have an exciting opportunity for an organised, detail-driven Mortgage Administrator to join us here in Bury!

If you’ve got strong admin skills, experience in financial services, or want to grow your career in the mortgage and property sector, we’d love to hear from you. Hybrid and remote options considered for the right candidate! 💼✨

👇 Full job details below — feel free to share!

Job Title: Mortgage Administrator
Location: Bury (BL8 3)
Salary: Competitive (pro-rata)
Contract Type: Part-time/Permanent

About the Role

We are looking for an organised and detail focused Mortgage Administrator to join our growing team.
In this role, you will support mortgage advisers and customers by managing applications, preparing documentation, and ensuring a smooth and compliant end to end mortgage process.
This is an excellent opportunity for someone with strong administrative skills, experience in financial services, or an interest in developing a career in the mortgage and property sector.

Key Responsibilities

• Process new mortgage applications and input client information accurately.
• Liaise with lenders, solicitors, surveyors, and clients to progress cases efficiently.
• Prepare, check, and upload required documentation in line with compliance standards.
• Manage case pipelines and ensure deadlines are met.
• Respond to customer queries professionally via phone and email.
• Support mortgage advisers with administrative tasks to improve workflow and customer service.
• Maintain up to date knowledge of lending criteria and regulatory requirements.

About You

• Previous experience in mortgage administration, financial services, or a regulated environment is desirable.
• Excellent attention to detail and accuracy.
• Strong organisational and time management skills.
• Confident communication skills and a customer focused attitude.
• Ability to work independently and as part of a team.
• Competent using CRM systems and Microsoft Office.

Benefits

• Competitive package and performance based bonuses
• Training and development opportunities (including CeMAP support)
• Pension scheme
• Friendly and supportive working environment
• Hybrid or flexible working options

How to Apply

Please send your CV and a brief covering letter to [email protected]

🏆We're Proud to Be Named an FT Adviser Top 100 Firm for 2025

We’re delighted to share that Quilter has once again been recognised as one of the FT Adviser Top 100 Adviser Firms for 2025. This recognition continues a consistent track record of excellence, with Quilter being featured in the FT Adviser Top 100 each year since 2019. We’re incredibly proud to stand alongside the UK’s leading financial advice businesses.

What Is the FT Adviser Top 100?

The FT Adviser Top 100 is an annual ranking published by the Financial Times’ FT Adviser. The list celebrates the highest‑performing financial advisory firms across the UK, based on a rigorous set of criteria including:

-Sustainable business growth
-Consistently outstanding client service
-Strong regulatory performance
-Positive contribution to the wider financial advice profession

Being included in this list places us among the most respected and successful practices in the country-firms known for putting clients first and upholding the highest professional standards.

Looking Ahead

As pleased as we are with this recognition, we see it not as a destination but as encouragement to continue improving and evolving. The financial advice landscape is constantly changing, and our commitment remains the same: to provide clear, honest, and valuable guidance that helps our clients achieve their financial goals and enjoy greater peace of mind.

💷Tax savings aren’t just for the wealthy – they’re for everyone.

Whether you’re saving for the future through pensions, investments, or both, there could be ways to reduce the amount of tax you pay.

We’re here to help you make the most of these opportunities.

☎️📨Get in touch to find out how.

Tax treatment varies according to individual circumstances and is subject to change.

Approver Quilter Financial Limited and Quilter Financial Services Limited. November 2025.

🏠Thinking about buying a house? Here are some tips to get you mortgage ready:

✔️Check your credit score: A good credit score can help you secure better mortgage rates.
✔️Reduce debt: Lowering your existing debt can improve your mortgage application.
✔️Get pre-approved: This shows sellers you’re serious and helps you understand your budget.

A financial adviser can guide you through each step, helping you make the right decisions and explaining the right mortgage options for you.

Ready to take the next step? Get in touch today to discuss your mortgage options. ☎️📨