Services
Our Services
Mortgages
Mortgages are potentially the largest single transaction in most people's lives. Buying a property or re-mortgaging can be a stressful and time consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable deal, rather than simply accepting a lender's offer. Hundreds of banks, building societies, and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers. We have access to the whole mortgage market so can find the most appropriate mortgage for your needs.
Insurance
From First Time Buyers to those further up the property ladder, and even the Buy-to-Let owner, we can access a range of products offering leading cover and great value. With outstanding home insurance policies - plus Accident Sickness and Unemployment cover - it's easy to match the cover to your needs and circumstances. What's more, because policies can be individually tailored, you will only ever pay for the cover you need.
Protection
Financial products are sometimes at their most useful when they are protecting our families, incomes or property. Whilst insuring ourselves against an undesirable event like sickness or even death may not be pleasant to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked. Families can protect themselves im mnay ways, with the large range of products available there's usually an appropriate policy for most people and budgets.
Pensions
Pensions are designed to enable you to save money to live comfortably after you have retired. State pensions may not produce the same level of income that you will have had whilst working. It's important to start thinking about how best to build up an additional retirement fund. There are many different 'tools' used to save for retirement and the taxation and investment elements of pensions can appear baffling. We specialize in explaining, recommending and monitoring pensions for you.
Savings & Investments
Savings are generally funds that you set aside, but can access relatively quicker. These savings can be for a specific need or purchase, like a holiday or a new car. Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time, and should not consider investments unless you have savings in place. Most investments are not guaranteed to return your money in full, although some offer higher returns. Returns, risk & volatility are factors that can determine a suitable place for your savings, we will be able to explain these in more detail in our discussions.