Mortgage Advice
We can explain how various mortgages work, including "offset"
mortgages, and help you choose a suitable mortgage for you. Mortgages are
available for house purchase, building your own home and buy to let. We specialise in
re-mortgaging and debt consolidation. If you need advice on where to go next,
we may be able help. You can choose how we are paid; pay a fee, usually 0.5%
(subject to a minimum of £250) of the loan amount, or we can accept commission
from the lender.
Think carefully before
securing other debts against your home. Your property may be repossessed if you do
not 
keep up repayments on your mortgage
Saving & Investing
Live for today, invest for tomorrow, or perhaps a bit
of both? What have you got planned? How much money will you need and when? What
types of savings and investment plans are available? How risky are they? Are
any of them suitable for you? We can help you plan for the future, perhaps with
little or no risk, depending on your requirements.
Income
Are you planning on taking a pay cut? If so when would this be suitable? On retirement, redundancy, ill health, or never? Income is
arguably the most important financial area in most households. Would a
replacement income be available if you were unable to work due to ill health or
redundancy? What would happen if not? What will your income be in retirement?
Are you planning to retire early? We can help you to consider these areas, and
provide solutions as necessary.
Mortgage Protection Advice
Buying a house is one of the largest financial commitments
most of us are ever likely to make. By explaining the various ways of
protecting your mortgage and home in the event of ill health, critical illness
or redundancy we can ensure that you have the information you need to protect
your home, family and lifestyle.
Retirement
How should you fund it?
For some time the government have been saying that we should each take
responsibility for our own retirement, and not rely solely on state pension benefits.
Therefore it is clear that anyone wishing to maintain a reasonable lifestyle in
retirement will have to provide for themselves. Pensions, savings, investments,
or property could all be used to fund your retirement. Discussing your options
can help you to decide what is the best solution for
you.
What does it cost to have an Independent
Financial Review?
We can provide an initial consultation free of charge. An independent financial
review can prove to be invaluable in helping you to get the most out of your
finances.
The FSA does not regulate some forms of Buy To Let mortgages.
For Accident, Sickness and
Unemployment cover, and for Building and Contents Insurance, we usually offer products from a selected panel of providers.
If you would like a free initial consultation , or
have an enquiry please click on our contact us page.