Where are you on your Financial Journey?

Lancaster & Morecambe’s first choice when it comers to finding an independent financial advisor. Whether it’s a mortgage, life insurance or a pension, we can help.
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PBS Financial Solutions

Financial Advice for your Future...

PBS Financial Advisers are your trusted local independent financial advisers in the Lancaster and Morecambe area and understand these aren't just goals but your life's passions and achievements. With our extensive experience and expert financial guidance, we'll turn aspirations into realities, ensuring every step of your journey is taken with confidence.

Mortgage Advice

With our extensive experience and deep understanding of the mortgage market PBS will advise on the best mortgage solutions.

Financial Planning

With Pensions, Protection and Investments we can help you secure your future.
Let's achieve those milestones and make your financial dreams a reality together.
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Mortgages

Mortgages Made Simple

Are you on the hunt for a stress-free mortgage experience?
With our extensive experience and deep understanding of the mortgage market PBS will advise on the best mortgage solutions.

First Time Buyers

Get Mortgage ready for your first home with a step by step process with one of our experienced advisers.

Remortgaging & Home Movers

Helping you get the best deal for the next chapter in your story.

Buy-to-Let

Let us help you navigate the Buy-to-Let market and secure your invesment.

Complex Mortgages

Sometimes it's not always straight forward but with our experience we can help with your unique situation.
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Financial Planning

Financial Planning Made Simple

At PBS we offer a comprehensive suite of financial advice services.
Whether it’s safeguarding your family’s future, growing your wealth or ensuring a secure comfortable retirement we will work with you to achieve your goals.

Protection

Assurance is Insurance and can cover you in a range of ways to give you peace of mind.

Pensions

Let us help you secure your long term future with the right pension advice.

Investments

Secure your money in an efficient way to provide a better tomorrow.
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PBS Financial Services

Access to the Whole Market

Working with a range of mortgage and protection partners...
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We’re hiring!

Meet our team

Our philosophy is simple — hire a team of diverse, passionate people and foster a culture that empowers you to do your best work.
About Us
Paul Brett-Smith - DipFA
Director & Financial Adviser
Gareth Watts - CII(MP)
Mortgage and Protection Adviser
Ross Humpage - CeMap
Mortgage and Protection Adviser
Reviews

Don't 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.
John Ward
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.
Mirelle 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

Ready to start planning your financial future?

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