SERVICES

Investment Planning

• Lump Sum & Regular Savings Plans - Investment Bonds, OEICS, Unit Trusts, Investment Trusts etc.
• Personal Equity Plan Transfers (PEPs)/Individual Savings Accounts (ISAs)
• Offshore Investments
• School and Further Education Fees Planning

Retirement Planning

• Stakeholder Pensions
• Personal Pensions
• Pension Transfers
• Income Drawdown & Phased Retirement

Life Assurance

• Endowment policies for Saving & Protection
• Term Assurance & Whole of Life plans
• Convertible Term plans
• Mortgage Protection plans

Accident & Sickness Insurance

• Permanent Health Insurance (PHI)
• Critical Illness Insurance
• Long Term Care Assurance

Inheritance Tax Planning

• Expert advice available for basic or complex Inheritance Tax Planning

Mortgage & Re-Mortgage Services

• Mortgages for First Time Buyers and Movers
• Remortgages for Home Improvements, Debt Consolidation etc.
• Buy to Let Mortgages

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

• Lifetime Mortgages

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Commercial Finance

We have a dedicated adviser with over 30 years experience in Commercial and Corporate Finance. Services include:

• Arranging finance for business purchase
• Assessment of financial information ahead of purchase
• Preparation of Business Plans and Cash Flow forecasts
• Tax advice

Your home may be repossessed if you do not keep up repayments on your mortgage.

Corporate Services

• Key Man Assurance
• Shareholder & Partnership Protection Insurance
• Executive Pension Plans
• Small Self Administered Schemes (SSASs)
• Group Pension Planning (Group Pensions)
• Group Death in Service & PHI plans

For arranging your mortgage we can be paid by a fee of 0.75% of the loan, with a minimum of £350. The fee is payable in two stages, £150 when the application is submitted to the lender and the balance upon completion. We will refund to you any commission we receive from the lender when your mortgage completes. Alternatively we can be paid commission from the lender.