For you, your family or your business

Residential mortgages
With so many to choose from, we’ll use our years of experience and state of the art technology to gather information securely and efficiently (you won’t even have to leave your own house if you don’t want to) and find the right mortgage for you at the time that you need it. If you’re in the UK on a working Visa and want to buy a property, we’ll provide the kind of detailed advice that’s invaluable when you’ve only been in the country a short while.

Commercial and buy to let mortgages
We believe that finding this kind of finance shouldn’t be about which products are on the market. It should be about you and your goals. Since any commercial or buy to let mortgage is a big financial commitment, we look at all your options as well as the tax implications of owning buy to let property.

Mortgage Capacity Reports
Going through a divorce can be emotionally and financially stressful, time consuming and usually takes longer than either party wants it to. With so much of the process being out of your hands, we can help when it comes to producing a mortgage capacity report that will be accepted by the Family Court. We can work directly with you or with your solicitor to ensure that the particulars of your circumstances are fully explored so the report itself provides an accurate account of your financial position before the financial agreement is reached.

We’ll explain any risks that may come with releasing equity from your home. When seeking equity release advice, our equity release advisers will give you all of the facts that you need and answer all of the questions that you or your family need answers to to make your decision.

Critical Illness Cover
You may have a loved one who has been told that they have cancer or lost someone close to you to cancer or another critical illness. You might simply hope it won’t ever happen to you and try not to think about it. If you are told that you have a serious illness, worrying about how to pay your bills or mortgage is the last thing that you need. Critical illness cover gives you a lump sum in the event of a diagnosis. As many people go on to make a full recovery, the pay-out can help cover any lost income while you focus on getting better or help you to live mortgage free.

Life Insurance
Losing a loved one is hard. It’s even harder when you’re raising a family, were hoping to plan for your retirement or your future together. Life insurance can help make things easier financially. Your employer may provide some level of life insurance, called death in service, but often this will not be enough to fully repay a mortgage and protect a lost income. We review what you have already, which for self- employed people is often nothing and show you what you need and can reasonably afford to pay.

Income Protection
It can be hard paying the bills if you’re unable to work due to illness or injury. With most employers only paying sick pay for a short period of time. If you’re self- employed or don’t have company sick pay, the stress and effect of lost income, could result in mental or other health problems that will take longer to recover from than the original accident or illness. We can help you to find an affordable income protection policy so you will have enough to get by during a difficult time, protecting your home and those you love. That way you can get back to work because you’re ready and not because you are financially struggling.

Inheritance
Perhaps you are about to receive a large amount of money as a gift or you are inheriting money after losing someone important to you. Knowing what to do with a large sum of money, particularly if you haven’t had it before, can be daunting. When receiving an inheritance, you may already be feeling emotional or stressed from losing someone you love and the process of dealing with their Estate. Finding someone that you can trust to give you expert financial advice will make it easier for you to make a plan for your future and invest money wisely. We will take the time to build your trust and help you to feel confident to move forward with your investment decisions.

Wealth Protection
Have you fully considered the implications of your earlier financial decisions and the size of your estate when it comes to your inheritance tax position? With property prices significantly increasing in our lifetimes, many need to review their financial position in order to mitigate inheritance tax when they die. Failing to understand the tax implications of savings and investments with significant growth over time, can result in a large inheritance tax bill that could have been reduced with better financial advice and earlier decision making. We can help you to understand the risks that you face and take action now to ensure that your wealth is protected and your hard-earned savings go to the people or places that you want.

Perhaps you want to review pension plans or work-place pensions, start a new pension as a self-employed person or business owner or want to look at move pension pots into one. With our help, you can understand where you are now and be informed about the benefit or risks of decisions that you make and where you want to be when you retire. Our in person or on-line financial review offers the opportunity to share our approach on making the most of what you have now and growing it for the future.

With our guidance, you can set down precisely what you’d like to happen to your home, your assets or the guardianship of your children. We’ll draft the will for your approval and produce the final version for you to sign. As experienced will writers, we’ll make sure you that have everything covered.