Personal Finance

We are experts in personal finance, and can help with Life Assurance, Critical Illness cover, Income Protection, Pensions, and Savings and Investments.

We are also Independent Mortgage Brokers equipped to help you buy your home effectively, or release capital if required for improvements. Of course, you may just wish to re-mortgage to get a better deal! However, we can also deal with your business needs, from Stakeholder pensions to Keyman protection.

Family Protection

Facing up to the possibility of death, illness or disability is one of the most uncomfortable things for a lot of people to deal with, many people do not have sufficient cover to protect themselves or their families. Are you confident that you and your loved ones are safe from hardship in any event? When did you last have a thorough check of your policies. Are they too expensive? You may be able to reduce your outgoings.

We offer a full “healthcheck” to ensure that everything is in order.

Pension Planning

Using the latest technology and information provided by you, we can calculate the required contribution, and find the most suitable provider for you. Other options, such as ISA’s can be taken into account for your retirement planning needs. After all, will you be happy with the State provision, currently £95.25 per week for a single person or £152.30 for a couple (2009/10).

There are other considerations such as “Income Drawdown” and “Phased Retirement” which may be an issue, but, enough of the technicalities for now, if you do not feel comfortable with your planning, Email or talk to us.

Savings & Investments

As stated above using the latest internet technology we can search all the product providers to find the most suitable investment for you. Whether it be ISA’s, Unit Trusts, Investment Trusts, Oeic’s, Bonds, National Savings Certificates or Deposit based Investments, we will endeavour to find you an investment that outperforms your current arrangements and which you find comfortable. Whats more we will keep an eye on its performance by carrying out regular reviews.

Too many people keep large amounts of cash on deposit when it could be working harder for you, instead of the bank!

Mortgages

We have a team of dedicated Mortgage Advisors that will search the whole market to find the best possible deals for you. Whether you are looking to move, or save money on your existing mortgage…. contact us!

We arrange all kinds of borrowing, from mortgages, buy to let, commercial, asset finance and have no estate agency fees…. contact us!