+44 (0) 1462 815 095 info@cogentfp.co.uk


Your home is the biggest investment you’re ever likely to make. Choosing the mortgage that matches your personal situation is vital. In fact, picking the wrong one could cost you thousands in the long run.

But with so many types on the market it’s no wonder you might be finding the decision a little overwhelming. Based in Shefford, Bedfordshire, Cogent Financial Planning is a deep-rooted and trusted adviser to both individual and commercial mortgage clients across the three counties.


Our commitment to you

Our approach to mortgage brokering and financial advice in general goes slightly against the ‘norm’.

We’re all about one-to-one, face-to-face personal care and attention. Whether you come to our office or we come to you at home, we look after you like a friend rather than a client. That’s the way we’ve always worked, and why our business is built on referrals and word of mouth.


No more mortgage confusion

There isn’t much we haven’t seen in the mortgage market. We’ll cut through the noise to give you clear, easy to follow advice tailored to your personal situation.

Whether you’re a first time buyer taking that first exciting step onto the property ladder, or re-mortgaging to save money, we’ll make sure you get the right product for you.


Here’s what happens next…

Your complete financial and goals assessment

We’ll come and meet you for a FREE, no obligation, initial assessment where we look at your financial goals, your present situation, and your long term plans. We’ll analyse your objectives to come up with a plan of action you’re completely happy with.

We find the best products

Based on your initial assessment we’ll come back to you with a number of potential products. These will be the most suited to you and your finances, and not just the “cheapest.”

Leave the rest to us

Once you’ve settled on a product we’ll take care of the rest. We’ll guide you through the paperwork, explain the mortgage and completion process, and then start getting everything processed. You can leave dealing with the lenders, solicitors, and insurers to us, so you can concentrate on getting on with life. We keep in close contact so you know what’s going on every step of the way, from initial enquiry to the day you get your door keys.

You’ll see the big picture

Whilst the right mortgage is paramount, you also need to think about budgeting, retirement planning, and insurance to ensure you protect your family and assets. We’ll help you understand the full picture.


We keep you safely on track

You never know what life’s going to dish up, and let’s face it; the economy has been volatile the last few years to say the least. It’s important to have a dynamic attitude to your mortgage, so whenever anything changes for you whether it’s a new baby, a change of career, or long term illness, we’re on hand to keep you safely on target for your goals.

To arrange your free, no obligation, initial assessment, or just to get some advice give us a call on 01462 815095. We’re a friendly bunch and don’t worry… we won’t confuse you with financial ‘jargon’

Alternatively send us an email by clicking here. We’ll aim to answer your query within 24 hours.