028 9145 6262


about us

Our People

Avril Spence


Avril first set up her own financial services  business in 2000 and has experience in a variety of areas.  She has extensive Mortgage experience, having even spent time assisting other advisers, to place more complex mortgage cases.  She is also a protection specialist and is heavily involved in Trust work.

Avril runs the business on the basis that the client’s interest always comes first and that the experience is relaxed and informed. Nothing is too much trouble, and her ethos is to always go that extra mile!  She does not accept defeat easily!

For Avril, the best part of her job is getting to know clients, and achieving an outcome that has a positive impact on their life.   

Kirstine Burns

Case Manager

Kirstine is responsible for ensuring your Mortgage, Insurance or Trust is processed efficiently.  Her role is to liaise with the lenders, insurance companies, doctors and solicitors and she looks after you from application through to completion.

Kirstine has been in her current role for  almost10 years.


We charge a Broker Fee of £199 on application and £190 on completion of your Mortgage.

*Some forms of Bridging Finance and most Buy to Let Mortgages are not regulated by the Financial Conduct Authority.

Commercial Mortgages, Overseas Property & Mortgages, Wills, Probate, Trusts and Tax & Estate Planning are not regulated by the Financial Conduct Authority. 

Pensions, Investments, Wills & Probate, Tax & Estate Planning, Overseas Property & Overseas Mortgages, Commercial Mortgages, Bridging Loans and Commercial Insurances are referred to specialist suppliers. 1 4 U Financial Solutions Ltd or PRIMIS are not responsible for any advice received from a third party.

This website is intended for people over 18 years of age who are resident in the UK only. The website and the information contained therein should not be regarded as an offer or solicitation to conduct business in any jurisdiction other than the UK. These pages provide generic information about various aspects of financial services advice that we provide. We hope they are helpful to you but they do not on their own add up to recommendations and we cannot take responsibility for anything you do in reliance on them without further discussion with us. Please do not make a decision based upon the information contained within these pages alone. Contact us for further advice to enable you to make an informed decision based upon your individual circumstances.

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Our People at 1 4 U Financial Solutions


Read what our clients say

"Excellent service"
Anon, July 2023   -   Read more