Services we offer
We offer a wealth of experience on topics such as Mortgages, ISAs, Savings Plans for Adults and Children, Offshore Regular and Lump Sum Savings, Pensions, Income Replacement Plans, Home Equity Release for the elderly, competitive Life Assurance, etc. and Mortgages.
Our computerised 'Mortgages While You Wait' mortgage sourcing system allows us instantly to provide you with a selection of the best 'Fixed', 'Capped', 'Discount' and 'Flexible Payment' rate options.
We will advise as to which is the most suitable offer for your own personal circumstances and, remember, the cheapest rate is not necessarily the best - i.e. it is important to consider all the relevant factors!
When the most attractive option has been chosen, we will then illustrate the monthly costs on the different bases for repayment of the capital, e.g. linking the mortgage to ISAs, an existing Endowment, a Maximum Savings Plan, on a straightforward Capital Repayment basis or possibly 'Interest Only'.
For mortgage advice we are paid by a commission from the lender and a fee that is, usually, £375.00. You will be advised of all costs at the outset.
For 'equity release' advice we are paid by a commission from the lender and a fee of, usually, £500.00.
Your home may be repossessed if you do not keep up repayments on your mortgage.
'Equity Release' includes 'Home Reversion Plans' and 'Lifetime' mortgages: to understand the features and risks, ask for a personalised illustration.
The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.