purelyfinancialplanning.co.uk

What It Is

Purely Financial Planning Ltd is a mortgage brokerage and financial protection advisory firm based in Walton-on-Thames, Surrey, UK. According to its website, it has been helping clients find suitable mortgage solutions since 2013, with the team having more than 60 years of combined experience. Its clients include first-time buyers, home movers, Buy-to-Let investors, and remortgage customers.

Core Capabilities

Its core offering is not payment processing, but human advisory services around UK property finance. On the mortgage side, the company says it can access a broad mortgage market, including high-street banks and independent specialist lenders, and compare options for applicants with different financial circumstances. Its services cover typical UK mortgage scenarios such as first-time buying, Home Mover, Buy-to-Let, and Remortgaging. On the protection side, it provides advice on life insurance, critical illness cover, income protection, family income benefit, and mortgage protection, and also mentions business protection advice.

Pricing and Compliance

The website states that the initial consultation is free and without obligation, and that any subsequent fees will be discussed and confirmed before services begin. The typical service fee is around £500, and as an independent firm, it says its fee structure can be adjusted flexibly according to the client’s circumstances. In terms of compliance, Purely Financial Planning is an appointed representative of PRIMIS Mortgage Network; PRIMIS Mortgage Network is a trading name of Personal Touch Financial Services Ltd, which is authorised and regulated by the UK FCA.

Pros and Cons

Its strengths are its clear positioning, relatively experienced advisers, and a service chain that covers the mortgage application through to completion and subsequent protection planning, with fees disclosed in broad terms. For individual clients unfamiliar with UK mortgage rules, human explanations and end-to-end follow-up can be valuable. The drawbacks are that the website does not disclose specific loan interest rates, a list of partner lenders, approval timelines, or the degree of online functionality. It also has no payment gateway, acquiring, wallet, API, or developer integration capabilities, so it should not be regarded as a payment technology platform.

Who It Suits and Access from China

It is better suited to individuals and small business owners buying property in the UK, remortgaging, or arranging mortgage-related insurance protection, especially those who want explanations from a local adviser and help filtering options. It is not suitable for merchants looking for cross-border payments, online collections, card acquiring, or financial APIs. Access from mainland China is not provided in the text, so it is currently assessed as unknown.