Unbiased mortgage advice from a friendly, local company
Your property may be repossessed if you do not keep up repayments on your mortgage
There may be a fee for arranging a mortgage and the precise amount will depend upon your circumstances. This will typically be £200.
Garry Nicholson trading as GN Finances is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority
About GN Finances
GN Finances has been established as a provider of mortgage advice since 2008 with an industry working knowledge spanning over 25 years.
GN Finances was established in February 2008 by its principal and sole owner (Garry Nicholson) who decided after working in a corporate environment since 1994 to develop a mortgage advice company that offered a more customer friendly service to clients who primarily preferred to be seen at their own home or at distance by telephone/email etc, where they felt more at ease and comfortable. This idea has continued to blossom and GN Finances now has a strong repeat client bank who appreciate the time and hassle saved by having a professional advisor available to see them at a time and place of their choosing.
With an established repeat client base and referral business, not just in Barnsley but much further afield too. GN Finances is continuing to grow by offering a tailor made service to meet clients individual needs, not just as a one off service, but as an ongoing partnership for all your mortgage and associated needs.
It is important that clients understand and are involved in the advice process, and GN Finances will ensure that this ethos is followed so that you always know the reasons behind the advice being given, and how it fits into your plan.
Your property may be repossessed if you do not keep up repayments on your mortgage
There may be a fee for arranging a mortgage and the precise amount will depend upon your circumstances. This will typically be £200.
GN Finances advice services
At GN Finances you are able to speak to an impartial advisor who can assist you in finding the right type of product to suit your particular needs.
No two clients are the same, and it is only by listening to you that suitable and appropriate advice can be arrived at.
You may not be aware of what your needs actually are? That's a big part of the advice process, to put you in an "informed" position so that you understand your current situation & make decisions accordingly.
The advice given will be tailored to your requests & circumstances, then it's up to you! It's your choice as to whether you accept all, some or none of the advice being given. It's simple with no commitment and totally aimed at including you in the process throughout so you understand how your mortgage works.
All initial meetings are carried out with no obligation and free of any cost.
Your requirements can be arranged in a manner that suits you best, either by telephone, email, or most commonly at your own home. You choose.
These are just some of the areas that GN Finances have assisted and advised customers on:
- First time Buyers
- Remortgage
- Purchase/Home Mover
- Buy to Let
- Let to Buy
- Life Protection
- Critical Illness Protection
- Income Protection
- Building & Contents Insurance
- Accident Sickness Unemployment (ASU) For accident , sickness & unemployment insurance we act as introducers only.
......there are others, never be afraid to ask!
Your property may be repossessed if you do not keep up repayments on your mortgage
You may have an early repayment charge to your existing lender if you remortgage
As with all insurance policies, conditions and exclusions will apply
Not all Buy to Let mortgages are regulated by the Financial Conduct Authority
There may be a fee for arranging a mortgage and the precise amount will depend upon your circumstances. This will typically be £200.
For Buildings & contents insurance we offer products based on a fair and personal analysis
GN Finances Testimonials
I would recommend my advisor with pleasure to my friends and family. Garry is a very professional advisor and it is a pleasure to work with him. Very informative and very clear in his advice
Mr Lee Riding, Castleford
No complaints with the service. My advisor was extremely helpful and couldn't have done anything more to improve the level of service that I received
Miss Laura Shepherd, Barnsley
I would have no hesitation in recommending GN Finances to my Friends and Colleagues
Ms Wendy Harrison, York
We have used GN Finances for our initial mortgage & all our renewals since. Garry is excellent and makes the process simple and stress free, he is always on hand for any queries you have. Excellent!
Mr Craig Ward, Barnsley
Garry was the perfect solution. He is an expert in his field so knows what is out there and what will best suit your needs. He finds out exactly what you require and matches the best policies to you. No nonsense, plain talking, understanding and realistic Garry cut through all the jargon for me and made it understandable and gave me all my options.
I will definitely be using Garry again for any help and advice.
Miss Lorien Dorking, Upton, Pontefract
Fantastic service would recommend to anyone, and I do!
Miss Chelsy Holland, Castleford
Utterly delighted with the service, information and attention to detail taken by Garry to start us moving forwards towards a new mortgage. He completely understands our needs/situation and what we are looking for. Very happy customers!
Mrs Jane Allatt, Barnsley
Garry provided us with outstanding service in searching for the mortgage that best suited us, recommended him to everyone, we would never use anyone else!
Miss Stacey Crossland, Castleford
Contact me
The next step is up to you! If you are not sure that you want to see someone at this stage but do have questions, email or call me, it’s that simple. Alternatively if you feel that now is the time to make that appointment then get in touch to be seen at a time and place that suits you!
Privacy Notice
GN Finances
5 Vicar Crescent
Darfield
Barnsley
South Yorkshire
S73 9LB
Tel: 01226 757012
Mob: 07876031484
Email:ifa@gnfinances.com
GN Finances will be what is known as the ‘controller’ of the personal data you provide to us. We only collect basic personal data about you which does not include any special types of information or location-based information.
Why do you need my data and what will it be used for?
We need to know your basic personal data so we can make contact with you and respond to your message, request or query. All the personal data we process is processed by our staff in the UK.
Who is my data shared with?
Your data will only be shared with third parties if this is necessary to respond to your request. If this is the case, we will seek your permission before passing on your details.
How long do you keep my data for?
We may store your data for up to six years past the end of any business relationship, after which time it will be securely destroyed. If you would no longer like us to process your data at any time, you have the right to object to processing of your data. To do this, please contact “ifa@gnfinances.com”
What are my rights?
You have the right to object to the processing of your data. You also have the right to request access to your data at any time. You have the right to rectification and/or erasure of personal data or restriction of processing. If you wish to raise a concern related to how we have handled your personal data, you can contact us to have the matter investigated at compliance@sdlgroup.co.uk. If you are not satisfied with our response or believe we are processing your personal data not in accordance with the law, you can complain to the information commissioner’s office: https://ico.org.uk
Privacy Policy
This is the privacy notice of GN Finances. In this document, “we” or “us” refers to GN Finances.
GN Finances ia an "Appointed Representitive" authorised by the Financial Conduct Authority No 479546
Registered address. 5 Vicar Crescent Darfield Barnsley South Yorkshire S73 9LB
This is a notice to tell you our policy about all information that we record about you. It covers both information that could identify you and information that could not.
We are committed to protect your privacy and confidentiality. We understand that all users of our website need to know that their data will not be used for any purpose unintended by them and will not accidentally fall into the hands of a third party. Our policy is both specific and strict. It complies with UK law, including the Data Protection Act 1998. If you think our policy falls short of your expectations or that we are failing to abide by our policy, do please tell us.
We regret that if there are one or more points below with which you are not happy, your only recourse is to leave our website immediately.
Except as set out below, we do not share, or sell, or disclose to a third party, any personally identifiable information collected at this site.
Here is a list of the information we collect from you, either through our website or because you give it to us in some other way, and why it is necessary to collect it:
BASIC IDENTIFICATION AND CONTACT INFORMATION
This information is used:
- to provide you with the services which you request
- for verifying your identity for security purposes
- for marketing our services and products
Information which does not identify any individual may be used in a general way by us or third parties, to provide class information, for example relating to demographics or usage of a particular page or service.
MARKET PLACE INFORMATION
When we obtain information from you specifically to enable you to use or buy a service offered on our website by some other person, we assume that in giving us your information, you are also giving us permission to pass it to the relevant person.
YOUR DOMAIN NAME AND E-MAIL ADDRESS
Your domain name and e-mail address are recognised by our servers and the pages that you visit are recorded. We shall not under any circumstances divulge your e-mail address to any person who is not an employee or contractor of ours and who does not need to know, either generally or specifically.
This information is used:
- to correspond with you or deal with you as you expect
- in a collective way not referable to any individual, for the purpose of quality control and improvement of our site
- to send you news about the services to which you have signed up
- to tell you about other of our services or services of sister websites
INFORMATION YOU POST ON OUR WEBSITE
Information you send to us by posting to a forum or blog is stored on our servers. We do not specifically use of that information except to allow it to be read, but you will see in our terms and conditions that we reserve a right to use it in any way we decide.
WEBSITE USAGE INFORMATION
We may use software embedded in our website (such as JavaScript) to collect information about which pages you view and how you reach them, what you do when you visit a page, the length of time you remain on the page, and how we perform in providing content to you. This data is not personally identifiable. It is collected by us to improve the service we provide. We do not pass this data to any third party.
BUSINESS AND PERSONAL INFORMATION
This includes all information given to us in the course of your business and ours, such as information you give us in your capacity as our client. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect you to reciprocate this policy.
We keep information which forms part of our business record for a minimum of six years. That is because we may need it in some way to support a claim or defence in court. That is also the period within which our tax collecting authorities may demand to know it.
THIRD PARTY ADVERTISING
Third parties may advertise on our website. In doing so, those parties, their agents or other companies working for them may use technology that automatically collects your IP address when they send an advertisement that appears on our site to your browser. They may also use other technology such as cookies or JavaScript to personalise the content of, and to measure the performance of their adverts. We do not have control over these technologies or the data that these parties obtain. Accordingly, this privacy notice does not cover the information practices of these third parties.
COOKIES
We do not operate a "Cookie" policy.
CALLING OUR OFFICE
When you call our office, we may collect Calling Line Identification (CLI) information. We use this information to help improve the efficiency and effectiveness of our help line. We never pass this information to third parties.
EMAILING US
Email is not always a secure mode of communication and we provide no guarantee that confidentiality of the information provided in an email will be maintained during transmission.
We will never send you an email asking you to transfer deposit funds. If you ever receive an email from us which provides bank account details for you to transfer money, please speak to us on our main line number to confirm it is genuine.
SENDING A MESSAGE TO OUR SUPPORT SYSTEM
When you send a message, we collect the data you have given to us in that message in order to obtain confirmation that you are entitled to receive the information and to provide to you the information you need.
We record your request and our reply to increase the efficiency of our organisation. We may keep personally identifiable information associated with your message, such as your name or email address.
COMPLAINING
When we receive a complaint, we record all the information you have given to us. We use that information to resolve your complaint. If your complaint reasonably requires us to contact some other person, we may decide to give to that other person some of the information contained in your complaint. We do this as infrequently as possible, but it is a matter for our sole discretion as to whether we do give information, and, if we do, whatthat information is.
We may also compile statistics showing information obtained from this source to assess the level of service we provide, but not in a way that could identify you or any other person.
JOB APPLICATION AND EMPLOYMENT
If you send us information in connection with a job application, we may keep it for up to three years in case we decide to contact you at a later date.
If we employ you, we collect information about you and your work from time to time throughout the period of your employment. This information will be used only for purposes directly relevant to your employment. After your employment has ended, we will keep your file for six years before destroying or deleting it.
CONTENT YOU PROVIDE TO US
If you provide information to us with a view to it being read, copied, downloaded or used by other people, we accept no responsibility for what that third party may do with it. It is up to you to satisfy yourself about the privacy level of every person who might see your information. If it is available to all the World, you have no control whatsoever as to how it is used.
MARKETING INFORMATION
With your permission we pass your email address and name to selected associates whom we consider may provide services or products you would find useful. You may opt out of this service at any time by instructing us at info@stonebridgegroup.co.uk.
INFORMATION WE OBTAIN FROM THIRD PARTIES
Although we do not disclose your personal information to any third party (except as set out in this notice), we do receive data which is indirectly made up from your personal information, from software services such as Google Analytics and others. No such information is identifiable to you.
AFFILIATE INFORMATION
This is information given to us by you in your capacity as an affiliate of us or a customer or client of ours. Such information is retained for business use only. We undertake to preserve the confidentiality of the information and of the terms of our relationship. It is not used for any other purpose. We expect any affiliate to agree to reciprocate this policy. As an exception to this, we have the right to disclose your first name and URL of your affiliate connection to other affiliates and to any other person or organisation, on and off site. The reason is solely to enable us to mention winners and others whose performance as an affiliate is in some way outstanding.
DISCLOSURE TO GOVERNMENT AND THEIR AGENCIES
We are subject to the law like everyone else. We may be required to give information to legal authorities if they so request or if they have the proper authorisation such as a search warrant or court order.
REVIEW OR UPDATE PERSONALLY IDENTIFIABLE INFORMATION
At any time, you may review or update the personally identifiable information that we hold about you by contacting us at the address below. To better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections to your info
Stonebridge Group, 9 Lords Court, Basildon, Essex, SS13 1SS
SALE OF YOUR PERSONAL INFORMATION
Except as specified above, we do not rent, sell or otherwise disclose any of your information to any person outside our business.
DATA MAY BE “PROCESSED” OUTSIDE THE UK
Our websites are hosted in the EU. We also use outsourced services in countries outside the EU from time to time in other aspects of our business. Accordingly, data obtained within the UK may be “processed” outside the UK and data obtained in any other country may be processed within or outside that country.
COMPLIANCE WITH THE LAW
This privacy policy has been compiled so as to comply with the law of every jurisdiction in which we aim to do business. If you think it fails to satisfy the law of your country, we should like to hear from you, but ultimately it is your choice as to whether you wish to use our website.
REMOVAL OF YOUR INFORMATION
If you wish us to remove personally identifiable information from our website, you may contact us at info@stonebridgegroup.co.uk . To better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections to your information.
JURISDICTION
Disputes relating to the use of our website will be subject to the jurisdiction of the English courts.
COPYRIGHT
All material on our website which has been created by us is subject to copyright under UK law and we reserve all rights associated with that content. Parts of the website may be downloaded for personal use only. You are not entitled to reproduce or modify content subject to copyright, in whole or in part, for any commercial use whatsoever, without our prior written permission.
ACCURACY OF WEBSITE CONTENT
Although we endeavour to ensure that all of the information on our website is accurate and up to date, we do not guarantee that that is the case.
FINANCIAL ADVICE
No information on our website constitutes financial advice. If you require financial advice, please contact us.
PROTECTION OF LOG IN DETAILS
We have security procedures in place to protect your log in details as well as your personal information, but it is your responsibility to ensure that you do not give out your log in details to any other person, and to ensure that you log out of our website and delete browser history before logging off if you are using a shared computer.
If you have any questions regarding this privacy policy, please contact us at info@stonebridgegroup.co.uk