Mortgages

For many, a house purchase will be the biggest single investment in a lifetime and it is obviously essential that the most appropriate lender is chosen.

Each mortgage option on the market is different to the next, each has different criteria that must be met and there are daily changes that lenders make to their interest rates. It is clear that it is a complex area where advice is essential.

We have accumulated a wealth of experience in analysing the mortgage market to find simple solutions to your requirements. We use sophisticated software to analyse an ever changing market to ensure that the market can be reviewed simply, effectively and produce the right results to meet your requirements.

Who Typically Requires Advice?

  • Somebody wanting to purchase their first home.
  • Somebody wanting to move house.
  • Somebody wanting a cheaper or more appropriate interest rate.
  • Somebody wanting to purchase property for investment purposes.

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

You can choose how we are paid for advice relating to mortgages. This can be a fee (typically 0.5% of the amount you borrow) or we can accept commission from the lender.

To talk to us about ‘Mortgages’ call 01325 366446 or leave your details on our contact page.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.

Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details: http://financial-ombudsman.org.uk/

Saving & Investing

Investments form a critical part of most of our client’s personal financial plans. We are acutely aware that our advice will shape your financial future and do not take this task or responsibility lightly.

We understand how important it is to manage capital well. In a rapidly changing world, intelligent forward planning gives you additional security and helps protect what you have worked for.

Our approach is very simple. We manage your investments in a sensible, cost effective manner to try to achieve the best market return possible within acceptable risk parameters. Our approach is based on a wealth of research, experience and independent studies.

This could mean reviewing the progress of your current investment strategy or it could be devising a fresh plan to follow. The plan then undergoes continuous assessment and re-assessment to ensure progress is maintained.

Who Typically Requires Advice?

  • Somebody wanting to review the progress being made with their current investment strategy.
  • Somebody who has accumulated a number of investments over the years and wants a structured approach going forward.
  • Somebody who wants a specific savings strategy devised to meet a future need or objective.
  • Somebody wanting their existing savings or assets managed in line with their objectives, attitude to risk and changing economic conditions.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

To talk to us about ‘Saving & Investing’ call 01325 366446 or leave your details on our contact page.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.

Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’).  Please see the following link for further details: http://financial-ombudsman.org.uk/

At Retirement Planning

Taking retirement is one of the most stressful and emotional times in a lifetime, with the financial consequence of no longer working a massive consideration.

At Retirement Planning is a simple process of taking a long look at your savings, pensions and assets to create the level of income required during retirement. Factors such as annuity rates, investment risk, inflation and tax considerations on top of the normal investment and pension rules make this a complicated process for the inexperienced.

We have a vast experience in advising on the most appropriate course of action to take to ensure that income in retirement is maximised. We do this in a simple and straight forward manner, ensuring that you understand the process each step of the way.

Who Typically Requires Advice?

  • Somebody wanting help to review the options available in taking the benefits from their accrued pensions.
  • Somebody confused by pension legislation and what options are available.
  • Somebody that needs inspiring with a fresh, energetic and holistic approach to funding retirement from their various pension and non-pension assets.

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

To talk to us about ‘At Retirement Planning’ call 01325 366446 or leave your details on our contact page.

If you have a complaint or dispute with us, you are entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us either in writing, by telephone or email.

Please be assured we treat complaints seriously. For your protection if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (‘FOS’). Please see the following link for further details: http://financial-ombudsman.org.uk/