Independent Financial Advisors for Lancaster & Morecambe

Lancaster & Morecambe’s first choice when it comes to finding an independent financial advisor. Whether it’s a mortgage, life insurance or a pension, we can help.
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5-star rating
5.0
from 50+ reviews
PBS Financial Solutions

Making Financial Advice Simple

PBS Mortgage & Financial Advisors are your trusted local independent financial advisors in the Lancaster and Morecambe area.
Our extensive experience and expert financial guidance can help you turn dreams into realities. Take every step of your journey with confidence.
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Financial Planning

Financial Planning Made Simple

At PBS we offer a comprehensive suite of financial advice services.
Whatever your goals may be - safeguarding your family’s future, growing your wealth or ensuring a secure comfortable retirement - we will work with you to chart a path to success.

Personalised Guidance

We’re committed to tailoring advice to every client. You’ll always receive guidance built around your unique needs and situation from PBS Mortgage & Financial Advisors. We believe in simplifying the complex world of finance for you.

Complete & Unbiased Service

From mortgages and insurance to investments and pensions, we aim to provide a broad service to support you as your needs develop and change over time. As independent financial advisors, we take pride in providing unbiased and thorough financial guidance for Lancaster and Morecambe.

Ethical, Reliable & Locally engaged

Regulated by the Financial Conduct Authority and a member of the Chartered Insurance Institute, we uphold the highest standards. As a local firm, we actively contribute to our community through participation in local clubs and charities.  

PBS Financial Solutions

Meet our team

Our philosophy is to make complex things simple. Our experienced team pride themselves on the clients we help on their journey. We’re looking forward to helping you on yours.
Paul Brett-Smith - DipFA
Director & Financial Adviser
Gareth Watts - CII(MP)
Mortgage and Protection Adviser
Ross Humpage - CeMap
Mortgage and Protection Adviser

Don’t just take our word for it...

Great financial advice, very clear and concise and with no pressure. I’ve used Ross a couple of times now and he couldn’t be more helpful, that goes for the rest of the team too. Excellent company to use would recommend to anybody thinking about financial/mortgage advice.

Jon Ford
Lancaster

Superb service from the team at PBS - highly recommended. Gareth was exceptional and provided great support throughout. Fee was also more than reasonable. Looking forward to using PBS again when my mortgage renewal is due.

Ben Knott
Lancaster

We have used PBS's services quite a few times and every time we have had fantastic service. Ross, in particular, is professional, helpful and understanding. He helped us navigate our very first mortgage in 2016, then subsequent remortgaging processes. Thank you for all your help, it's been invaluable!

Grace Rawsthorne
Lancaster

An excellent service, very efficient & a very good remortgage deal. Streamlined service & we  were kept up to date regularly about the progress. Would definitely use again & recommend.

Gary Macdonald
Lancaster

Cannot rate PBS financial solutions highly enough. Paul has always been very helpful, listening to our changing needs and giving us sound advice and direction in relation to mortgage renewals. This has been especially important with the prices going up significantly. Would recommend without hesitation.

Mireille Formosa
Lancaster

Very informative and efficient service. Everything was explained clearly and presented to us well which made the whole re-mortgaging process simple and stress free. Thanks to the team at PBS!

Michael Orford
Lancaster

PBS was recommended to me by a friend and I am so glad to have had the tip. PBS went above and beyond to help us and we will certainly be using them again. I have already recommended them to two other people myself. Many thanks to Ross and Sara for their hard work and determination.

Helen Hanks
Penmaenmawr

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Josh Heron
Lancaster

Paul and his team were excellent in helping us secure a mortgage for our new home. They explained everything carefully and went above and beyond in helping find the very best deal for our particular circumstances. I want to also extend extra thanks for their patience and understanding when things got a bit stressful! I would highly recommend their services.

Terri Whiteside
Morecambe

They are very knowledgeable and helpful. I have used their services multiple times and have always been more than happy with the process and outcome. Highly recommended.

Ashley Foster
Berkshire

Ready to start planning your financial future?

Arrange your initial consultation now - we offer advice face to face, by phone or video call.