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


Having been working with local people for a number of years, we are proud to have built a reputation as a helpful and friendly financial resource for our clients. Here’s some of the things they’ve kindly said about us…

Wendy was extremely professional and friendly, providing sensible advice about all the options open to us. This included one option that others had not. It was advice rather than order taking. This was exactly what we were looking for. Pauline and the administration team were on top of their game from start to finish which made the whole process as painless as possible. We will come back to you next time, for sure. Thankyou.

Prow P – February 2022


Wendy was fantastic. I work in the mortgage industry myself, and felt I already knew what I needed. It was only after speaking to Wendy, with her experience and knowledge, that we started looking at offset mortgages as a solution. Offset is the absolute perfect solution for us and our circumstances. Wendy found us the best product that met our needs, and without her help we may not have gone down the right road.

Also, Pauline was brilliant. We were kept informed throughout the process and had rapid answers to our questions. We always knew where we were at during our application.

Despite the challenges from the pandemic, and the pressure on the mortgage industry due to the stamp duty holiday etc, Wendy and Pauline gave us first class service and I will be recommending Cogent to my family, friends and industry contacts.

W Regis – March 2021


The gold standard in mortgage and financial consultancy.  Wendy, Pauline, Julie and the Cogent Team do what few service businesses do today and that is going out of their way to deliver an experience that is way beyond expectations.

M Healey – April 2020


From the 1st meeting with Wendy, it was apparent that we were in very safe hands, she listened and took on board all our requirements and ensured that the product sold to us was the right one.

Dealing with Pauline was a pleasure, her efficiency and professional approach made, what could have been a very stressful experience, a pleasure.

We would highly recommend Cogent to anyone in the future.

Ann & Clive Williams – March 2020


As first time buyers we were totally unaware of how the process worked. Wendy went to great lengths to explain every aspect of the buying process, what to expect and assured us she would deal with any queries or worries along the way. Wendy, Pauline and Julie worked seamlessly together making sure they were one step ahead of the process, staying in touch with the solicitors so that everything was ready when we needed it. They helped us to understand overwhelming paperwork from the solicitors and Wendy took the time to go through it so that we were confident we had filled it out correctly.

Wendy thoroughly went through all options for our mortgage. We previously had little understanding of what our options were, but after speaking with her, we felt confident that what we chose was right for us and that Wendy had found the best ‘deal’ on the market. The mortgage application went through incredibly fast which I’m sure was due to Wendy’s experience in what additional information was needed to support our application.

Wendy, Pauline and Julie kept us informed every step of the way so we always knew what was happening and what we needed to do next. They were all so friendly and approachable. We felt we could contact them about any aspect and any questions or worries we had (no matter how small) were answered quickly. We were never left to worry!

In addition to the mortgage, Wendy was able to advise us on house and life insurance and the whole team helped to find us the most appropriate insurances. We would have otherwise had no idea where to start, but thanks to them, I’m confident we’ve got exactly what we need.

They supported and guided us through (what can be to a first time buyer) a very daunting and stressful time, and made it quick and painless!

Wendy went above and beyond throughout the whole process and we are so thankful.

Kristy Burgoine and Adam Beale – November 2019

I have dealt with Wendy and Cogent for a number of years. Her product knowledge is phenomenal and she will always give the most impartial and helpful advice possible.  Her honesty and integrity are what set her apart from other financial advisers and her staff at Cogent have been exceptionally helpful and knowledgeable too.  I cannot recommend Cogent and Wendy highly enough.

N Stevens – July 2018

I have always been delighted with the service I have received from Cogent, finding them both friendly and efficient whether for my own personal mortgage and insurance or for my rental property. I have happily recommended their service to family and friends.

D Alexander – January 2018

We have always received very friendly and professional advice.  All options and alternatives were clearly explained as well as the advantages and disadvantages of the direction we wished to take.  We would not hesitate to recommend Cogent Financial Planning as a first class service.

P & C Hartley

Cogent are a great team who go that extra mile for their clients.  Always keeping their clients up to date with the processing of the mortgage, offering as many options to fit requirements and always explaining everything clearly, precisely and in detail.  Nothing is too much trouble. A great company I would highly recommend.

Lynne Roberts

We found the experience to be informative and painless.  Everything was laid out simply and clearly making it much easier for us to make decisions.  Thank you.

Paul & Trudi Jeffs

We would like to thank all of the people at Cogent for making our dreams come true.  The service we got was outstanding from right at the beginning to the very end of completing on our new home.  We couldn’t recommend Cogent enough, whatever obstacle came between us and getting our mortgage they remained positive and worked over and above to find a solution.  We can’t thank you enough we have finally done it 🙂  We are eternally grateful. Jason Simons and Natasha Ilnicki

Excellent service from start to finish. Always there with advice and support. Friendly and approachable team.

Lisa Burdett

I have used Cogent Financial Planning since 2007 and have always asked them to arrange my mortgage for me.  The friendly, personal and efficient service gives me confidence that I am being well looked after and peace of mind that I am getting the best deals in my current position.  Would not hesitate to recommend.

Kelly Johnson

Cogent have a brilliant knack of making complex financial products simple and understandable.  They’re professional and yet so friendly and approachable. No question seems silly.  I’d highly recommend Cogent to anybody.

Helen and Craig Butler  

We are extremely happy with the advice & assistance we have received from the Cogent team over the last 3 years. We would not hesitate to recommend Cogent Financial Planning. We found the whole experience to be stress-free and completed with the minimum of fuss. The team conduct themselves with professionalism whilst maintaining good humor! Sharon Smith & Michael Lee

We were enormously grateful for the help we received from Cogent. We felt that we couldn’t of asked for more, but if we had, we’re certain they would have tried to help! It made what could have been a more stressful time easy to cope with. We would highly recommend the services and will be using Cogent Financial Planning in the future.

Anne & Ian Belcher

When you meet the team at Cogent, you meet financial advisers with a difference. They are detailed in their approach, diligent and you don’t have to ask the questions before they have anticipated what you’re thinking already and delivered to you a no nonsense sensible approach to your financial needs. I can highly recommend Cogent Financial planning – you’re in safe hands and with someone who is looking at the world from your side of the table rather than theirs!

Suzanne Letting

We were very happy with the service we received from Cogent Financial Planning. They are friendly and easy to work with and always manage to find a deal to suit your circumstances while making the whole process seem less intimidating.

Jess Williams

Once we had decided to investigate the possibility of a lifetime mortgage, it was a bonus to meet Cogent who we immediately felt comfortable with. Cogent are very professional and although we had prepared our own questions, most of our worries and concerns were explained in a very relaxed way.

Yvonne Cherry

We have been extremely pleased with the high quality service & advice that we experienced from the Cogent team. The whole experience has helped us get much of our financial situation sorted out & up-to-date including pensions, insurance, wills, life cover and mortgage – its given us a lot of peace of mind Martin & Michelle Dear