Personal

We will work with you to plan, implement and review new and existing pensions to achieve your financial goals in retirement. We have experience with Personal Pensions, self-invested personal pensions (SIPPs),, pension reviews, pension consolidation, annuities and income withdrawal.

Fees are charged for pension planning and will be quoted before the service commences.

We can help you to understand your investment options so that you can realise your financial aspirations. We offer advice on ISAs, collective investment accounts, general investment accounts, unit trusts, Venture Capital Trusts (VCT’s), Enterprise Investment Schemes (EIS’s) and Open Ended Investment Companies (OEICs).

Fees are charged for investments and will be quoted before the service commences.

EIS's and VCT's invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

We use specialist software to create detail lifetime cashflow forecasts that help our clients understand just how much money they will need to attain their financial goals and dreams. These cashflows will help determine if the goals and expectations of each client are realistic and more importantly achievable.

Protecting your finances is very important to us and gives you peace of mind, that is why we offer protection advice on the benefits that life cover, critical illness, income protection, medical insurance and family income benefit can provide.

We receive a commission from protection providers where a policy is put in place.

Our comprehensive mortgage advice service includes residential and buy-to-let lending. We have relationships with both high-street and specialist lenders and their underwriting teams, so we can identify pitfalls in applications early, ensure that your mortgage is well suited to your circumstances and get you a ‘yes’ to funding.

We perform affordability checks for now, should rates rise and if you stay on the lender’s Standard Variable Rate (SVR). We refer second charge mortgages to a master broker. Fees are charged, and we also receive a procuration fee from the lender. Your property could be at risk if you do not keep up with your mortgage payments. We charge a fee for arranging a mortgage. Our fees for mortgages are tiered due to the time it takes to process a case. To make it cost effective for us to act on your behalf our fees are as follows.

Residential Mortgage Fees
The fees for our mortgage advice service are as follows:
Home buyers/home movers: We will charge a fee of £495 with £295 payable on application and £200 on receipt of your offer
Residential Remortgage: We will charge a fee of £495 with £295 payable on application and £200 on receipt of your offer
Product transfers: We will charge a fee of £295 payable upon receipt of your offer
Adverse credit: If you have recently experienced issues with credit, we will charge a fee of £795 with £495 payable on application and £300 on receipt of your offer

Buy to Let Mortgage Fees
The fees for our mortgage advice service are as follows:
Buy to let purchase: We will charge a fee of £495 payable upon receipt of your application
Buy to let remortgage: We will charge a fee of £495 payable upon receipt of your application

Complex lending
We reserve the right to charge an additional fee of £500 for cases where it involves more complexity due to topics such as:
Larger loans - Over £1,000,000
Multiple borrowers / guarantors
Your personal situation regarding income sources, taxation, residence, and credit rating Property type, location, freehold or leasehold variations

Some buy to let mortgages are not regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.