Our Services

If you need any help, don’t wait and contact us today.

Our Services

We assure that you will have access to a suitably qualified saving & investment specialist. Specialising on numerous types of investments & saving contacts including ISAs, Investment Bonds, Investment Trusts and many more.

The value of the investment can go down as well as up and you may not get back as much as you put in.

Everyone is able to leave the ‘nil rate band’ to their beneficiaries free of Inheritance Tax, however this allowance changes every year. To reduce Inheritance Tax on the nil rate band of 40% you may wish to use a trust fund.

Inheritance Tax Planning Is not regulated by the Financial Conduct Authority.

We can help you organise a trust fund for the benefit of your family. Various types work differently but essentially it is set up in ‘trust’ for someone and paid a fixed amount to the person it is set up to provide for.

Trusts are not regulated by the Financial Conduct Authority (FCA)
Tax planning is not regulated by the Financial Conduct Authority (FCA)

There are numerous types of pension contracts, including Group Pensions, Personal Pensions and so on. We work from a panel of pension providers, to ensure we find a pension plan to suit you. With pensions remaining to be one of the most tax efficient retirement plans it is strongly encouraged to have one in place.

The value of the pension can go down as well as up and you may not get back as much as you put in.

With us being part of the Quilter Financial Planning Network, it gives us access to the ‘Whole of market’.

Some of the mortgage services we provide include remortages, First time buyers, debt consolidation, council house purchases, Buy to Lets, Let to Buy and self employed and self certified mortgages.

Most buy to lets are not regulated by the Financial Conduct Authority (FCA)

A fee of up to 2% of the loan amount may be charged on completion of your mortgage. We will also be paid commission from the lender/company.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

We offer various types of policies, you just need us to help you find which is most suitable for you. The different types of policies vary in features and cost however we will take into account all your requests in order to find one that suits you. The various types of policies include level and decreasing term and family income benefit.

This plan normally has the benefit of covering the mortgage amount on diagnosis of a critical illness. It is paid out by a lump sum and you have the option to combine this cover with level or decreasing term life assurance cover. Most of our insurers cover up to 28 illnesses, most common ones are cancer, heart attacks and strokes.

Buildings & Contents cover is available to existing and new borrowers. Tenants are able to take out contents cover only.

If your Building and/or contents are damaged by fire, flood or heave and subsidence you should be covered as these are normally included in the standard policy conditions amongst others however you should refer to your terms and conditions and familiarise yourself with the hazards you are covered for.

When the time comes to renewing a policy you may be entitled to a discount if you have made no claims.

In the event of an accident, sickness or involuntary unemployment you will still be liable to make your mortgage payments aswell as any buildings & contents payments and any other insurance linked to your home.

Think…what would you do if any of the above occurred, how would you ensure that you made the payments?

Well, by taking out a mortgage payment protection plan it can cover a high percentage of your mortgage for twelve to twenty four months and by this it would give you peace of mind and less stress. Another advantage of this is that your credit file will remain clean.