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Whether you are looking for mortgage advice, debt advice or insurance you are in the right place. By choosing Financial Bliss you can rest assured that you will receive the very best unbiased advice and service. What's more, we understand that as your circumstances change so to do your requirements; that's why we aim to work alongside you to build a lasting relationship, so no matter what situation you find yourself in, you know where to turn for the advice you need when you need it.

Debt Solutions

Debt is a part of life. Most people have it and live with it every day. We don’t think of debt as a problem until something unforeseen happens, for example, loss of overtime, or even worse, redundancy. Maintenance payments, benefits or other types of income can also stop with little or no notice. Suddenly, debt becomes a problem.

Being in debt can be scary. The smallest thing such as a knock at the door, the phone ringing or the post being delivered can set the heart pounding. You feel like you’re in a mess and there’s no way out.
At Financial Bliss we understand. Between the team, we’ve experienced redundancy, loss of overtime, and having to restructure finances to cope. We have lived with the stark reality of feeling that there is nowhere to turn. In these circumstances it’s almost impossible to know who to turn to for help. “Could a mortgage advisor help? ‘Do I really have to have to think about getting help with my debts?’ ‘Will I be forced into signing for something that I don’t need?”

Financial Bliss can help. We are experienced advisors, so can give you the best advice for your circumstances. The important thing to realise is that there are options.

Maybe a remortgage is the answer, or perhaps a secured loan. It may be that a Debt Management Plan is best for you, you could find yourself paying out less monthly and be in a position to offer full and final settlements at a time in the future that suits you. Or it could be that an IVA is the ideal solution, or even Bankruptcy. The important thing is that we will make a recommendation because it is the right one for you, NOT because we make more money from it. Also, we’re not here to judge, we’re here to help you move on. We know how hard it is because we’ve been there.

There are upsides and downsides to each solution, and none offer ‘an easy way out’. For example, a debt management plan involves a long term commitment, an IVA is formal and can last 5 or 6 years depending on your circumstances and bankruptcy, rather than being viewed as the easy option should be considered a last resort as it will leave you with very strict restrictions on your income for a minimum of three years. Whichever option you choose, the point is that we will help you get on the road to recovery, putting you back in control of your finances sooner rather than later.
We know that taking the first step to get in touch can be a leap of faith. It took one of our customers, Naomi, 3 weeks to pluck up the courage to call, however, she is now delighted that she did. (See Naomi’s story here.) We know it’s difficult, because of this, you could use our contact us section if you’re nervous of calling, perhaps you’re busy at work and feeling stressed but unable to make a private phone call.

We’re here for the long haul. So whilst you’re on your path to putting debt behind you and getting on with your life, we will ensure that you don’t have to worry about other areas. You can be safe in the knowledge that you and your family are protected should anything unforeseen happen. We can also help with a new mortgage in the future or planning for retirement, ensuring that there really is life after debt.

Download the Office of Fair Trading Leaflet explaining about Commercial Debt Management Companies here