Advice Provided

Mortgages

As probably your largest monthly expense, having the wrong mortgage can cost you thousands of pounds. With so many mortgages and lenders to choose from how are you going to find the best deal? We can offer advice for individuals whether you are a first time buyer, moving home or wanting to save money by remortgaging to a lower rate. We also offer advice for individuals looking to finance Buy-to-Let and Let-to-Buy schemes. We provide mortgage advice from the market as a whole, with a full recommendation and report service. In most cases we take a commission from the lender when arranging a mortgage. There may be a charge for mortgage advice. The precise amount will depend on your circumstances and size of loan. We will provide written details on request.

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

Investments & Savings

We will provide a detailed analysis of investments and savings objectives with recommendations for addressing any shortfalls and how best to manage your existing capital in line with your objectives.

This may result in us making a recommendation to alter your existing investments to ensure they reflect your approach to investment risk, your financial objectives and tax status. This should then improve the performance of your portfolio based upon your situation by utilising the leading funds from the whole of the market.

The value of your investments and any income from them can fall as well as rise and investors may not get back the amount invested.

Protection Planning

This will involve us reviewing your personal circumstances and producing a detailed breakdown of your regular outgoings against income and family situation. We can then make recommendations to ensure adequate protection for your dependents against unemployment, accident, sickness, critical illness and premature death.

Our recommendations take into account existing plans, which will be reviewed for suitability and cost efficiency, as well as taking into account any benefits you have from your employer.

Wills and Estate Planning

Clients can also benefit from Lasting Power of Attorney which we can facilitate in order to allow your family or nominated individuals to act on your behalf in a legal capacity over your financial affairs as well as allowing you control and input to the type and level of any care that you may receive.

We can work with you to provide projections of the settlement of your estate and potential inheritance tax liabilities with recommendations for mitigation of this tax and the efficient settlement of your estate.

All information is based on our current understanding of legislation and H.M Revenue & Customs (HMRC) practice, both of which are subject to change.

Retirement Planning

This service includes a calculation of the funding required to achieve your desired level of income at your chosen retirement date, this will show you the amount of money you will need to pay on a regular basis. We can take into account any preserved benefits or personal pensions you may already have in addition to your state benefits in order to give you a forecast of what you may potentially receive at retirement.

We can also review any existing pension plans you have to ensure they are competitive on charges and also that the investment funds match your approach towards risk and relevant bearing in mind the age which you wish to retire.

The value of your investments and any income from them can fall as well as rise and investors may not get back the amount invested.