our range of financial services

how we can help you!

Mortgages

Mortgages are the largest single transaction in most people's lives. Buying a property can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the best deal, rather than simply accepting a lender's offer.

Hundreds of banks, building societies, and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.

There are 2 main methods of repaying a mortgage loan, and it is possible to set up the loan on a 'part and part' basis:

Repayment (capital and interest) mortgages
Under a repayment mortgage your monthly repayments consist of both interest and capital. This means that over time the amount of money you actually owe will decrease. In the early years your repayments will be mainly interest and therefore the capital outstanding will reduce slowly in the early years.

Interest only mortgages
As the name suggests, with an interest only mortgage you only repay the interest on the loan. At the end of the term the capital is still outstanding. Therefore you will usually need to take out some kind of investment policy to save up enough to repay the loan at the end of the term.

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Protection

Protecting our families, our incomes or our property is critically important.

There are so many ways in which a family can financially protect itself, and given the large range of products available it is essential that independent financial advice is sought to ensure the correct solution is selected to suit both need and budget.

We will help you choose the best solution.

See Our Other Protection Options

Business (Key Person/Shareholder) Protection
Income Protection
Life Protection

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Pensions

Pensions are used to provide you with sufficient money to live comfortably once you retire from work. There are many different 'tools' used to save for retirement, and the taxation and investment elements of pensions can be confusing.

We can explain the options in plain terms, make appropriate recommendations based on the information you provide, and also monitor your pension.

There are currently 4 sources of pension to fund for your retirement:

Basic State Pension
For those who qualify for State Pensions (usually through NICs) we can advise you on the projected amount you are likely to receive.

State pensions will certainly not be sufficient to give you enough income to live in the style you've been used to when working. It's important to think about how best to build up an additional retirement fund. You're never too young to start a pension - the longer you leave it the more you'll have to pay in later life in order to accumulate a reasonable fund.

Additional State Pension
This is now known as the State Second Pension (S2P). It replaced the State Earnings Related Pension Scheme (SERPS), which in turn had many predecessors and no doubt future politicians will further confuse matters. Suffice to say, whilst state benefits are valuable, you will almost certainly need to have made additional plans to supplement your retirement income.

Occupational Pension
We are very happy to explain the scheme that your employer has put in place for you. If you are an employer looking to put in a new scheme or seek advice on an existing scheme, then again, we are very happy to help.

Personal Pension Scheme
This includes stakeholder schemes and is open to nearly everyone. It's especially useful if you are self-employed or your employer doesn't run a company scheme.

See Our Other Pension Options

Company Pensions
Personal Pensions
Self Invested Personal Pensions (SIPPs)

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