advice on secured homeowner loans for purposes such as home improvements, debt consolidation, and property-related borrowing. Ramsay Financial advises on life insurance, critical illness cover, income protection, and mortgage protection to help clients align insurance policies with their borrowing and family needs. The firm additionally runs workplace mortgage clinics to give employees access to guidance on mortgages and related financial topics. It collaborates with a network of financial advisers for wider needs such as equity release, commercial lending, commercial insurance, pensions, investments, and estate planning.