Other Services
Conveyancing, surveys, trusts, powers of attorney and trusted partners for pensions, investments and protection, all under one roof.
- Free first consultation
- No obligation
- Personal, expert service
A house move and a sound financial plan need more than a mortgage. We bring together the trusted professionals you need around it: conveyancing, property surveys, life insurance trusts and powers of attorney through our own partners, plus carefully chosen specialists for pensions, investments, private medical cover and more. One conversation, the right introduction, no run-around.
Why arrange these services through us
Expert partners only
We work with leading specialists in each field, from conveyancing solicitors to surveyors and protection providers, so you get genuine quality rather than a name we found online.
Protection built in
Every additional service is there to protect your interests and give you peace of mind, from securing your purchase to safeguarding your family and estate.
Value for money
Economies of scale and slick communication keep fees competitive. Our conveyancing arrangement even works on a No Completion, No Fee basis for the lawyer’s time.
Efficient and streamlined
Dedicated case handlers, progress updates and processes designed to save you time. With conveyancing through us, most of it is handled by post and email, with no need to visit the law firm.
Clear, itemised quotes
Easy to read quotations with the costs laid out plainly, so you always know exactly what you are paying for before you commit.
Honest referrals
Where something sits outside our remit, we refer you to FCA-regulated specialists or qualified professionals we trust, rather than dabbling in advice we are not best placed to give.
Additional services through our partners
Beyond mortgages and protection, these are the services we arrange most often for clients. Tell us what you need and we will make the right introduction.
Conveyancing
Specialist conveyancing for buying, selling and remortgaging, on a No Completion, No Fee basis with dedicated case handlers.
Learn moreLife Insurance Trusts
Place your life cover in trust to reduce inheritance tax, avoid probate delays and keep control over who benefits and when.
Learn moreLasting Powers of Attorney
Legal documents letting people you trust manage your property, finances and welfare if you ever lose the capacity to decide for yourself.
Learn moreProperty Surveys
Independent surveys from a basic valuation to a full building survey, so you know exactly what you are buying before you commit.
Learn moreHow we connect you to the right help
Tell us what you need
A quick chat covers your move, your family and your plans. We work out which services actually matter for you, and which you can safely skip.
We make the introduction
We connect you with the right partner, whether that is a conveyancer, a surveyor, a will writer or an FCA-regulated specialist for pensions, investments or equity release.
You get a clear quote
Itemised, easy to read quotations with no surprises. You decide whether to go ahead, with the full picture in front of you.
We keep things joined up
Your mortgage, protection and the services around it all stay in step, so nothing falls through the gaps between professionals.
Conveyancing through our award-winning system
Our conveyancing arrangement is a special package built around speed, value and clear communication. Because it runs through our own system, you cannot instruct the law firm directly and get the same set of benefits.
Expertise and efficiency
Access to top firms that specialise purely in conveyancing, with dedicated case handlers and backup colleagues so your case never stalls when someone is away.
No Completion, No Fee
If your purchase or sale falls through, you pay nothing for the lawyer’s time. You are not left out of pocket for a deal that collapsed.
Value for money
Economies of scale and communication by phone and email keep fees competitive, with itemised quotations that are easy to read and understand.
No need to visit the firm
Everything is handled by post and email, and we are kept informed of progress throughout, so you are never left wondering where things stand.
Good to know
This is a special arrangement through our system. Instruct the law firm directly and you will not receive the same package of benefits, so it pays to start the conversation with us first.
Property survey types
When you buy, your lender carries out a basic valuation for its own purposes. That is not a survey of the property for you. An independent survey protects your interests and can give you real leverage on price.
Basic Valuation
A lender-style check of the property’s value for mortgage purposes, with minimal detail on its condition.
Homebuyers Report
A mid-level inspection flagging visible defects and urgent issues, ideal for most conventional homes in reasonable order.
Building Survey
The most thorough option, suited to older, larger or unusual properties, with detailed analysis and advice on repairs.
Help to Buy Valuation
A specific valuation required when buying through certain Help to Buy schemes.
EPC
An Energy Performance Certificate rating the property’s energy efficiency and running costs.
Specialist Reports
Targeted reports such as damp, timber or structural assessments where a specific concern has been raised.
Beyond our direct permissions
Albion focuses on mortgages and protection, and we are honest about where our expertise ends. For pensions, investments, private medical cover, equity release, bridging and tax or legal planning, we introduce you to carefully chosen FCA-regulated specialists and qualified professionals.
Pensions and investments
Workplace and personal pensions, consolidation, drawdown versus annuity, ISAs and risk-graded portfolios, all handled by regulated specialists. Never transfer a defined benefit pension worth over £30,000 without regulated advice, as it is a legal requirement.
Private medical and dental
Private medical insurance for faster access to treatment, plus optional dental and cash plans, compared across specialist providers to fit your budget.
Equity release
Lifetime mortgages for homeowners aged 55 and over to unlock tax-free cash from their home. It can reduce your estate and affect means-tested benefits, so we refer to specialist equity release advisers.
Bridging finance
Short-term lending, typically up to 12 to 24 months, for buying before you sell, auction purchases or refurbishment. Rates are higher and a clear exit plan is essential, so we introduce specialist lenders and brokers.
The value of a wider review
A broader financial review through these partners often uncovers savings on insurance, tax-efficient wrappers and retirement planning that more than justify the conversation.
Not sure which service you need?
Message us and we will point you in the right direction quickly, whether that is conveyancing, a survey, a power of attorney or a regulated specialist for pensions or investments.
One contact for your move and the services around it.
Other services questions
What is the difference between a workplace pension and a personal pension?
A workplace pension is arranged by your employer, with contributions usually deducted from your salary and topped up by employer contributions and tax relief. A personal pension, including a SIPP (Self Invested Personal Pension), is one you set up yourself, giving you control over the provider and, with a SIPP, the underlying investments. Many people hold both during their working life.
Should I consolidate my old pensions into one pot?
Consolidation can simplify management, cut duplicated fees and give a clearer picture of your retirement income. But some older schemes carry valuable guarantees, such as guaranteed annuity rates or protected tax-free cash, that can be lost on transfer. Always seek regulated advice before transferring, particularly if the pot is large or includes safeguarded benefits.
Drawdown or annuity, which is better at retirement?
An annuity gives a guaranteed income for life in exchange for your pension pot. Drawdown keeps your pension invested and lets you take flexible withdrawals, but your income is not guaranteed and your fund can run out. Many retirees blend the two. The right choice depends on your other income, your health, your attitude to risk and your wish to leave a legacy.
When should I seek advice on a pension transfer?
Always seek FCA-regulated advice before transferring a defined benefit (final salary) pension worth more than £30,000, where advice is a legal requirement. For defined contribution transfers, advice is strongly recommended whenever guarantees are attached, you are unsure of your retirement plans, or the pot is a large share of your retirement income.
What types of ISA are available and which suits me?
The main UK ISAs are Cash ISAs (savings, no investment risk), Stocks and Shares ISAs (investments, capital at risk), Lifetime ISAs (for a first home or retirement, with a 25% government bonus and access restrictions) and Innovative Finance ISAs. The right mix depends on your goal, timescale and appetite for risk. The overall annual ISA allowance is currently £20,000 across all types.
How do I think about investment risk and time horizon?
Investment risk is usually graded from cautious through balanced to adventurous, reflecting how far your portfolio can fall in a poor year. As a rule, the longer your time horizon the more short-term volatility you can afford, because there is time to recover. Diversifying across asset classes, regions and sectors is one of the most effective ways to manage risk.
What does private medical insurance cover and what does it exclude?
PMI typically covers acute, treatable conditions, including inpatient and day-patient treatment, consultations, diagnostics and surgery, with faster access than NHS waiting lists. It does not usually cover chronic long-term conditions, pre-existing conditions unless specifically underwritten, routine pregnancy, cosmetic treatment or A&E. Dental and optical care are normally separate add-ons or standalone policies.
Is dental cover worth having alongside PMI?
Dental cover can help with routine check-ups, hygienist visits and a share of restorative treatment such as fillings and crowns, up to annual limits. It is most valuable for households with predictable dental costs or anyone who wants budgeting certainty. We can refer you to specialist providers to compare cash plans and full dental policies.
What is equity release and what are the main risks?
Equity release usually means a lifetime mortgage, letting homeowners aged 55 or over unlock tax-free cash from their home without moving. Interest typically rolls up over time, which can significantly reduce the equity left for your estate. It may affect means-tested benefits and your beneficiaries’ inheritance. Equity release is a separately regulated activity, so we refer to specialist qualified advisers.
From what age can I take equity release?
The minimum age for most lifetime mortgages is 55, though some plans require all applicants to be older. The maximum loan to value generally rises with age and can be enhanced where applicants have certain health or lifestyle conditions. A specialist equity release adviser will assess what you can realistically borrow.
What is bridging finance and when might it be useful?
Bridging finance is short-term lending, typically up to 12 to 24 months, used to cover a funding gap. Common uses are buying a new home before the old one sells, purchasing at auction, or funding light refurbishment before refinancing. Rates are higher than standard mortgages and a clear exit strategy is essential. We can introduce specialist bridging lenders and brokers.
How does Albion handle services outside its direct permissions?
Albion focuses on mortgages and protection. For pensions, investments, equity release, bridging, tax and legal planning, we refer clients to carefully chosen FCA-regulated specialists or qualified professionals. A broader review through these partners often uncovers savings on insurance, tax-efficient wrappers and retirement planning that more than justify the conversation.
Why use your conveyancing service rather than my own solicitor?
Our arrangement gives access to specialist conveyancing firms on a No Completion, No Fee basis, with dedicated case handlers, competitive itemised quotes and progress kept flowing back to us. Because it runs through our system, you cannot instruct the firm directly and still get the same package of benefits, so it is worth starting with us.
Let us talk through your options
Your first consultation is free and there is no obligation.
Albion Financial Advice provides regulated mortgage and insurance advice where applicable. Your home may be repossessed if you do not keep up repayments on your mortgage. Wills, estate planning and some forms of business and buy-to-let insurance are not regulated by the Financial Conduct Authority. Information on this page is general only and does not constitute financial advice.