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Hello, my name is Frank.

Welcome to FD Financial

Helpline: 07939 650906

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Clear, cost-effective and personalised mortgage and protection advice

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The Helpline

Do you need some quick advice?

Then call:

For hassle free advice from a real human being!

0191 217 1601

*Your home may be repossessed if you do not keep up repayments on your mortgage*


I don’t charge a broker fee where the loan amount is greater than £125,000. Where the loan amount is £125,000 or less, I will charge a broker fee of between £199 and £399, payable on application. The amount I will charge is dependent on the amount of research and administration that is required.



  • Making a Will is the only way to ensure that your estate is distributed to the people you would like to benefit from it.

  • Making a Will ensures your Estate passes through Probate quickly.

  • If you don`t make a Will, the law determines who will benefit from your Estate and what shares. Under legal `intestacy rules`, your estate can only pass to a spouse, certain blood relatives, or if there are none, it will go to the Treasury.

  • Married Couples - Without a Will, if you have children, your spouse may not inherit all of your estate. If you have no children, then some of your assets may go to members of your family other than your spouse.

Unmarried Couples

Unless you have made your Will. Your partner will not get anything! Your entire estate would pass to your children, or if you had none, be shared between your brothers, sisters and parents.

Separated  - If you die without making a will, your ex-spouse may be entitled to claim part or all of your estate.

Parents of (Young) Children

Through a Will you can appoint people you trust as guardians for your children in the event of your death.

For children over 18, a Will allows you say at what age you would like them to inherit.

Single People

It’s really important to have a Will if you are single because without one, your assets and possessions will be distributed in line with what the law says, rather than with what you want. The Rules of Intestacy will pass your property to your next of kin who may well not be who you would have chosen to inherit.

From Government website

- https://www.gov.uk/make-will/overview

Your will lets you decide what happens to your money, property and possessions after your death. If you make a will you can also make sure you don’t pay more Inheritance Tax than you need to. If you die without a will, the law says who gets what.


Please note: Wills and Estate Planning are not regulated by the Financial Conduct Authority. Wills and Estate Planning are referred to a 3rd party. Frank Damiani t/a FD Financial and First Complete Ltd are not responsible for any advice received from the 3rd party.

NB The law of intestacy changed in October 2014. For details of these changes, please select the following link. Please note that you are now departing from the regulatory site of FD Financial. Neither FD Financial or First Complete Ltd is responsible for the accuracy of information contained within the linked site. http://www.theguardian.com/money/2014/sep/20/wills-inheritance-changes-intestacy-rules?dm_i=NCW,2V9AG,9BB1N1,AE44A,1

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Why everybody

          needs a will

FD Financial is a trading name of Frank Damiani Limited, an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd, which is authorised and regulated by the Financial Conduct Authority. Frank Damiani Ltd is registered in England with Company Number 09801937.Registered address:47 Barmoor Drive, Newcastle Upon Tyne, NE3 5RE

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So why not give me a call on 0191 217 1601, or get in touch and I will do my best to help you