Payne Spencer Harris Financial Advisers offers client-centred financial advice, including mortgages, investments, pensions and protection. CeMAP-qualified advisers help first-time buyers, remortgagers, home movers, let-to-buy and buy-to-let landlords, explaining each step and handling the process from product selection to completion. They take pride in understanding clients’ goals and delivering personalised advice, and they warn that your home may be repossessed if you do not keep up repayments