We're still open for anybody needing funding due to the Coronavirus!

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Key Facts regarding their payment holiday process:

  • Customers can get information or webchat with via natwest.com, ulsterbank.co.uk or rbs.co.uk, depending on the brand their mortgage is with. They can also get the right contact details if they wish to discuss their circumstances.
  • Specialist team will assess the customer’s circumstances and if they can’t pay their mortgage due to the impacts of Coronavirus, they will be eligible for a mortgage holiday. Those assessments will take place when the customer contacts them.
  • Customers will not be considered to be in arrears during the period of an agreed mortgage payment holiday if they were up to date when the repayment holiday was entered into, and there will be no impact on their credit file.
  • Customers credit score may be negatively affected if they miss a payment and haven’t already applied for a mortgage holiday.
  • Where a customer is already in arrears when they approach them for additional help, they will look at what further assistance they can offer.
  • The payment holiday period can last for up to 3 months and no further evidence will be requested following the discussion with our dedicated team.
  • Payments to both capital and interest are suspended during the agreed period and interest will continue to accrue during the holiday period. Payments are recalculated at the end of the holiday period to repay the new balance over the remaining term.
  • There is currently no facility for an Interest Only Switch process for customers on Capital and Interest mortgage contract.
  • Following the Government announcement on the 18th March regarding landlord payment holidays they are currently reviewing their processes and will update you further once these details have been finalised.


New online mortgage payment holiday form for customers now live!

Today they’ve launched a new online form on www.Santander.co.uk to allow existing Residential and Buy to Let customers who are impacted by Coronavirus to apply for a mortgage payment holiday. This is the quickest and easiest way for a customer to apply and is currently available to customers who are not in arrears and pay by Direct Debit.

Please apply online wherever possible.

Existing customers whose mortgage is currently in arrears or where their mortgage payment is due within the next 10 days can still call us on 0800 023 4603 to discuss their options.

Homeowners impacted by the coronavirus will be able to take a mortgage payment holiday of up to three months.

The move, which was announced by Chancellor Rishi Sunak, is available to borrowers who get into financial difficulties as a result of the virus.

Stephen Jones, CEO of the mortgage trade body UK Finance, said: "Monthly mortgage payments tend to be the largest outgoing for the vast majority of households and lenders are keen to reassure homeowners that the industry is working hard to put measures in place to support them during these uncertain times."

How does the payment holiday work?

For people who need to take a mortgage payment holiday, repayments will be deferred for a period of up to three months.

During this time, you will not have to pay anything, but interest will continue to accrue and will be added to the total amount that you owe.

Their outstanding debt will also not reduce in the way that it would if you were still making repayments, and the missed payments will need to be made up at some point in the future.

As a result, the three-month holiday is most suitable if you are suffering a temporary drop in your income, rather than a long-term reduction in your earnings.

Who can use this mortgage break?

The option of taking a payment holiday is only available to homeowners who are up to date with their mortgages and are not already in arrears.

Other options will be made available if you have fallen behind with payments, but UK Finance stressed that any help offered must minimise the long-term impact of arrears and the risk that a borrower’s home would be repossessed.

How do you apply for the mortgage break?

Mortgage lenders have set up a fast-track system. If you are up to date with your mortgage repayments, you will be able to self-certify that you need help.

You need to contact your mortgage lender and tell them about your difficulties. You will not be expected to prove that your finances have suffered as a result of the virus.

In normal circumstances, lenders would carry out an assessment of your finances in order to identify the most suitable option, but this need has been waived.

UK Finance advises people who are experiencing difficulties or expect to do so, to contact their lender at the earliest possible opportunity to discuss their options.

Will it impact my credit score?

Getting into mortgage arrears would normally have a negative impact on your credit score.

But in light of the current exceptional circumstances, UK Finance has said lenders will make sure that borrowers’ credit scores are not affected.

What a great way to start off the new Year with a Trust Pilot Review like this.....!

This company is excellent

Richard Lloyd Jones (the Broker who helped me) was absolutely fantastic. He gave me a number of ways in which I could sort out my finances, in order that I could move forward and every option was very sound. Communication was brilliant and everything was very clearly explained in a friendly and understanding way. They seem to have access to some very good deals too! I can honestly recommend FFP Solutions extremely highly and therefore I would not seek to work with any other company in any future financial considerations.

Always great to be able to help the local community! FFP director Richard Pape with Toby Whitehead from Precision Hair design in Rhuddlan.

Toby is a very talented local hair stylist and budding entrepreneur, who had a dream one day to own his own hair salon. We are extremely proud to say that FFP in conjunction with NatWest have made his dream become reality.

Toby literally was lost for words and can not believe he is now a business owner doing something he loves. “I can not thank you guys enough for all the hard work and effort you have put in to make this happen for me, I literally am gobsmacked”

If you are a business owner currently renting your commercial premises and its your dream of owning it, then please get in touch with us. #commercialmortgages #funding #ffp

October 2019

It's been a busy month but all the worthwhile when we receive a lovely card from one of our 1st time buyers...

September 2019

A lovely review from one of our customers

Amazing service - highly recommended

So pleased that I used FFP Solutions! They were able to help me with a complicated situation when no one else could. Extremely responsive and personable team too. The whole experience was v good. Highly recommend.

June 2019

Welcome to our newest member of staff, Jessica, who joins us as Administration Assistant.

It's Official - We are in the Press!

A FINANCE company is taking on staff and exploring new markets after relocating in past months.

Set up by school friends Richard Lloyd Jones and Gareth Jones in 2013, FFP Solutions has gone from strength to strength following a rebrand and office move.

Now based in St Asaph High Street, the business is set to take on two more employees and is making its mark in supporting firms of all sizes across the UK.

Primarily launched to target the legal, property and accountancy sectors, FFP (Finance for Professionals) has widened its reach to include organisations from any industry.

PetPlace, Harold Smith Chartered Accountants, Salisburys Accountants and Ruby Granite are among the North Wales companies they have worked with, and more will follow as FFP prepares for a period of expansion over the summer.

With former mortgage advisor Richard Pape now on board, Richard Lloyd Jones says they have the perfect blend of skills and experience to grow even further.

“We were initially working with solicitors, accountants and property businesses but things really opened up around 12 months ago to include new markets,” said the 43 year-old, who lives in Tremeirchion with wife Lyndsey and their two children, Rupert and Scarlett.

“Traditionally people would go to the banks for the services and financial products we offer but more and more of them are moving away from that.

“Our new website and the fresh direction we’ve taken has been a breath of fresh air for our clients; we are not a faceless organisation and really do try and help the people we work with, which has helped us to grow steadily in the last year.”

Richard and Gareth met at Ruthin High School in the 1990s and have been friends ever since.

Gareth, 46, spent much of his career in sales and advertising while Richard, armed with a qualification in business and finance, owned a clothes store in Prestatyn before unveiling his own brokerage, Signature Mortgages.

The two eventually came together and launched FFP Solutions, before Richard Pape – who moved to Abergele from Oxford as a child before later embarking on a life in banking and mortgage advice – joined them two years ago.

“I had seen what Richard was doing with Signature Mortgages and got involved, before we decided to set up FFP and combine our skills and experience,” said Gareth, whose dog Snoop is the company mascot.

“The business has grown significantly, and we are thrilled to be working with brilliant companies, as well as some of the region’s top accountants, who support us and refer a lot of clients to us.

“We are actually surprised but obviously delighted at how quickly we have established ourselves and are looking forward to taking on two new sales staff and another administrator in the coming weeks.”

Richard Pape, 45, who lives with wife Sarah and children Alex, Charlotte and Tom in Abergele (correct?) added: “I’ve worked for the big banks and believe a lot of FFP’s success has been in filling the gap they’ve created in not helping the smaller and medium-sized firms secure finance.

“If you don’t meet certain criteria or are not turning over huge numbers they’re not interested, but that’s where we can help. We are here to talk, find them the best deal and offer support and advice, whether its funding a Vat or tax bill, or arranging invoice finance - we are here to do that and more. Its almost as if we have taken on the role of the old school bank manager.”

Looking ahead, Richard Lloyd Jones says FFP is aiming for further growth over the next 12 months, in tandem with their customers.

“Ultimately, we are all growing together,” he said.

“The broad range of products and services we can assist with, from helping a first-time buyer get on the property ladder to a multi-million pound development finance deal, is helping them to reach the next level, and it boosts the local economy.”

Gareth added: “We have a massive panel of funders and will genuinely find the best deal for the client, which is the most important thing for us.

“We are in the right markets and where we want to be, but a lot of businesses – even here in North Wales – still don’t know these services are available to them because they won’t have had any luck with the banks.

“You can operate in this sector with transparency while being successful and helping others, and we are proof of that. Long may it continue.”

Looking forward to working with

Martin Williams at Radar PR

March 2019

Great end to another busy week at FFP. Two standout deals include:

  • A £250,000 business loan for a developer in Bedfordshire to assist with working capital for the next 24 months. Thanks to Charles Atkinson and Megan Haskins at Accredo for their assistance with this.
  • A £75,000 unsecured loan for a car repair centre on Anglesey through Funding Circle, to enable the client to kit out their new premises. Thanks to Amelia Radford and Lauren Schomberg at Funding Circle once again. This one was especially satisfying as we like nothing more then helping local businesses with their funding needs 🏴󠁧󠁢󠁷󠁬󠁳󠁿. hashtag#busi

March 2019

What a fantastic weekend of rugby! 🏉 Entertaining clients and business contacts at the Wales v Ireland Under 20s at Eirias Park, Colwyn Bay on Friday night, and then down to Cardiff first thing on Saturday morning to watch Warren Gatland’s Wales win their 3rd Grand Slam under his tenure. Even the open roof and torrential rain couldn’t put a dampener on a brilliant day! 🏴󠁧󠁢󠁷󠁬󠁳󠁿 🏉 Richard pape Richard Williams Scott Hughes Jason Matischok Mark Morgan Dyfan Phipps

February 2019

Great night last night hosting Harold Smith Chartered Accounts at the Rugby Under 20s at Eirias Park. Here’s hoping for a similar result today! hashtag#Rugby hashtag#Wales hashtag#WRU hashtag#accountants

January 2019

What a busy month with Self Assessments deals not to mention the VAT and Corporation Tax deals on top. 🏴󠁧󠁢󠁷󠁬󠁳󠁿. hashtag#busi

December 2018 - Funding Circle

December saw FFP receive recognition from Funding Circle by way of an invitation to join their “Business Champion” program. This award was in recognition of the quality and quantity of business that had been introduced to Funding Circle over the past 6 month. In order to win this award FFP had to demonstrate our extensive knowledge of the commercial finance market and also the systems, criteria and underwriting processes used by Funding Circle that has made them the UK’s largest peer to peer lending platform.

Key benefits of being a Business Champion

  • We are endorsed for our product knowledge and high level of accuracy and efficiency.
  • We meet the program’s customer satisfaction criteria: we know when Funding Circle is the right product for our clients.
  • Our experience and long-term relationship with Funding Circle provides our clients the best possible chance of completing a loan application.
  • Our customer will be able to benefit from an even quicker application turnaround, as Champion's applications are processed as a priority.

Director Richard Lloyd Jones, “It’s not just the level of business that we are being rewarded for, it’s also the quality. We have worked closely with Funding Circle for some time now and we instinctively know what type of business that are looking for. We are extremely pleased to have received this recognition as building and maintaining relationships with all our lenders is vitally important to our business and in turn our clients’ businesses, as it enables us to offer the best funding experience possible. We look forward to continued mutual growth with Funding Circle over the coming years".

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Call us free on: 0800 783 3117