Services We Offer
We offer equity release advice and arrange lifetime mortgages for our clients. We accompany our clients throughout the 4 stages of the process:
As Independent Financial Advisers we are not tied to any one company and we will look at the whole market to find the most suitable products for our clients. We will make you aware of the advantages and disadvantages and establish whether equity release is right for you. During this part of the process we will look at how equity release could affect things like your tax position, your entitlement to state benefits and the amount you leave behind in your estate.
We will then look at the market to find a company that is offering the best product for you. We will look at the features of each of the products such as the amount you can borrow, the interest rates and the matching criteria that best meet your objectives.
Once we have found the most suitable product we will then make the application on your behalf. We will then continue to contact the provider until they have made a decision to either make an offer or decline the application.
Our service to you does not end on completion as we can continue to review the policy for you. This might include looking at making a further payment or moving the lifetime mortgage from one property to another.
We deal with a large number of clients within the local area including:
As well as Equity Release advice we also offer:
Pre-Retirement Pension Planning
Protecting your family, business, shareholder protection etc.
Post-Retirement Pension planning
Making the most of your pension and discussing the range of options available to you – annuities, drawdown etc.
Critical Illness Cover and Income Replacement cover
Protecting against ill health…
If you’re investing a lump sum or on a regular basis we have access to the full range of tax wrappers including ISAS, Unit Trusts/OEICS, Investment Bonds, Structured Products, Offshore Investments etc.