Stan Sherlock Associates

Stan Sherlock Associates Stan Sherlock Associates is a family run financial planning and mortgage practice in Cumbria. Approved by The Openwork Partnership on 07/04/2026

Thinking about investing? 📈It’s not just about chasing returns, it’s about making the right decisions for your life, you...
28/05/2026

Thinking about investing? 📈

It’s not just about chasing returns, it’s about making the right decisions for your life, your goals and your future.

We’ll help you build a plan that feels right for you, with ongoing support so you can stay confident no matter what the markets are doing.

📞 Speak to the team today on 01228 598821

Thinking about getting into buy-to-let? 🏡It can be a great way to build long-term income, but getting the right mortgage...
11/05/2026

Thinking about getting into buy-to-let? 🏡

It can be a great way to build long-term income, but getting the right mortgage and structure in place early makes all the difference.

Whether it’s your first property or you’re growing a portfolio, we’ll help you understand your options and find a deal that fits your plans, not just what’s available on the high street.

📞 Speak to the team today on 01228 598821

07/05/2026

SSA Steps Out is back! 👣🥳💙

To kick off the new series, our Director Emma steps out into sunny Carlisle to ask:

🏦 "How much can you put into a Cash ISA this year?"

Can you guess the answer? 🤔 We think the people of Carlisle did pretty well!

Buying a new build? 🏠There’s a lot to think about, from deadlines and developer incentives to choosing the right mortgag...
29/04/2026

Buying a new build? 🏠

There’s a lot to think about, from deadlines and developer incentives to choosing the right mortgage.

We’ll guide you through the process, help you access deals you might not find yourself, and make sure everything runs as smoothly as possible from offer to moving day.

📞 Speak to the team today on 01228 598821

Thanks so much for your review, Jean!We’re really pleased that our team could help and that it has given you peace of mi...
21/04/2026

Thanks so much for your review, Jean!

We’re really pleased that our team could help and that it has given you peace of mind. Wishing you an enjoyable retirement 😄🩵

We , APR vs interest rate. What’s the difference? 📊 If you are comparing mortgages or loans, these two numbers can look...
06/04/2026

We , APR vs interest rate. What’s the difference? 📊

If you are comparing mortgages or loans, these two numbers can look similar, but they tell you different things. Check out our break down below 👇

Interest rate is the basic cost charged on what you borrow. It affects how much interest builds up on your balance and it is often the first figure you notice.

APR (Annual Percentage Rate) gives you the bigger picture. It includes the interest rate plus certain fees and charges linked to setting up and running the loan, averaged over a year. That is why APR is usually higher than the interest rate.

APR is useful for comparing similar products because it shows the overall cost of borrowing. But if you are borrowing short term or you might repay early, the interest rate can still be a key part of the decision too.

Not sure what to look at for your own situation? Stan Sherlock Associates can help you understand the numbers and compare your options properly, so you feel confident in your next step!

Send your questions with and tag our page 💬

We , what is remortgaging? 🔁 Remortgaging is when you switch your existing mortgage to a new deal, either with your cur...
31/03/2026

We , what is remortgaging? 🔁

Remortgaging is when you switch your existing mortgage to a new deal, either with your current lender or with a different one. It’s often something people look at when a fixed rate ends, but it can be an option at other times too.

You might remortgage to secure a better rate, change your mortgage term, or release money for other plans. Depending on when you do it, there may be fees or early repayment charges to factor in.

Whether remortgaging is right for you comes down to your goals, your current mortgage terms, and what is happening in the market. It also needs to fit with your wider financial plan, not just the mortgage on its own. To help you decide if remortgaging is the right move, Stan Sherlock Associates can help you compare your options and choose what suits you best.

Drop your questions with and tag our page 💬

We , what does LTV actually mean? 🏡🔍 LTV stands for loan to value, and it tells you how much of your property’s value y...
24/03/2026

We , what does LTV actually mean? 🏡🔍

LTV stands for loan to value, and it tells you how much of your property’s value you are borrowing as a mortgage. For example, if you borrow £180,000 on a £200,000 home, your LTV is 90%.

Lenders use LTV to assess risk. In general, the lower your LTV, the more mortgage options you may have access to, and the better the rates can be.

The good news is your LTV can improve over time. As you pay off your mortgage, or if your property value rises, your LTV may drop, which can open up more competitive deals when you come to review or remortgage.

Not sure what your LTV is, or what it means for your next mortgage move? Our advisers can help you understand your position and what your options are.

Drop your questions with and tag our page 💬

Some absolutely brilliant client feedback to share this Friday 😄 Well done to our adviser, Anne Preston 🙌
20/03/2026

Some absolutely brilliant client feedback to share this Friday 😄 Well done to our adviser, Anne Preston 🙌

18/03/2026

We’re proud to work alongside business owners who are turning ambition into action.

Each of the clients featured in our new SSA Client Spotlight series came to us for financial advice and we're thrilled to have been able to help and support them on their financial journeys.

Behind every strong business is a vision and a strategy to support it, and like Iain says, now is a great time to get your affairs in order. If you want to improve your financial health contact SSA today on 01228 598821.

Here’s Iain Martin Coaching's story 🎥

----

Stan Sherlock Associates Ltd is an appointed representative of The Openwork Partnership which is a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Approved by the Openwork Partnership on 24/02/2026.

Address

26 Lowther Street
Carlisle
CA38DA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

Alerts

Be the first to know and let us send you an email when Stan Sherlock Associates posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category