Mortgage Advice

Our mortgage department - headed up by David McDonald, provides whole of market advice for all types of borrowers.

Buying a home is the biggest financial decision you are ever likely to make. We ensure we make the process as hassle free as possible and take care of all paperwork, from start to finish. We will calculate how much you can borrow and what the monthly cost will be, explaining the whole purchasing process including legal, survey and all other associated costs. We will provide you with a mortgage promise so you can begin the process with complete confidence.

Our sophisticated mortgage technology provides us direct access to all lenders, giving us access to up-to-date information on all products and offerings. As part of our service, we remain in contact with you throughout the lifetime of the mortgage to ensure your mortgage remains competitive through the years.

We have considerable experience of all aspects of lending including: first time buyers, home movers, remortgages, buy-to-let and equity release mortgages.

*Your home may be at risk if you fail to keep up any payments on any loans / mortgages secured against your property.*

FInancial Protection

In our opinion, protection is the foundation and most important aspect of financial planning.

We know that your financial dreams and goals are dependant on a number of factors. Protection over income and assets should be of prime concern to us all.

The death, serious illness or injury to a family member can have a devastating effect, both emotionally and financially. Insufficient life assurance will therefore not be enough to support survivors and will not assist if sudden illness/ injury leads to loss of income.

There are many products and solutions on the marketplace that are designed to protect against a range of eventualities. Term assurance, whole of life, critical illness and health insurance to name a few. A complete protection solution may also utilise the benefits of trusts to ensure the right money is provided to the right people at the right time.

Each specific arrangement has a function and using the right combination allows you to build a strategy which suits the needs of your family or business.

Pensions & Retirement

The pensions world has changed significantly over the last few years, however, it remains one of the most tax efficient investments that any individual or business can access.

Increased longevity has meant that, for many, retirement constitutes a considerable part of their lives. Recent legislative changes have brought about increased investment choices, flexibility in contributions and access to benefits.

Our experienced chartered financial planner Lorna Russell can guide you through the complexities. The ability for individuals and business owners to invest in a range of assets and business projects can mean that a pension can work for you and not simply be viewed as an overhead.

Investments & WealTH Management

INVESTMENTS

The ever developing world of investments is a complex area with many obstacles such as investment risk, tax and administration. It is fair to say that these factors are constantly changing.

We spend as much time as possible getting to know our clients, and in particular, their financial aspirations and goals. Whether it be capital growth, income or a combination of both, we design a strategy aiming to achieve these goals in line with your tolerance risk whilst ensuring maximum tax efficiency.

We provide a service which is not product driven and each of our clients receives a bespoke strategy which is implemented, monitored and reviewed within timescales over the years.

Our investment services takes into account your long term goals and with the use of different investment structures, we are better placed to help you meet your financial goals.

We are not tied to any single provider and our internal systems are designed to ensure that we keep ahead of legislation and investment developments providing you with a bespoke investment strategy.

WEALTH MANAGEMENT

At the heart of our financial planning service is the delivery of Wealth Management solutions.

Wealth Management is all about maximising the advantages and minimising the downsides of tax, investments and administration.

We all need to be in control of our money, but too often it controls us. Investments and tax can be complex. It is our job to simplify them for you and provide a solution to manage your financial affairs. We cut through the jargon and help you create a coherent investment strategy.

Our proposition is service driven, not product driven, and we place as much importance on the regular reviewing and updating of your financial plans as is required in the initial implementation of a financial strategy.

Our advice spans an array of tax wrappers and investment solutions looking to provide strategies that manage risk in a tax efficient environment. No two clients are the same and our approach results in a bespoke strategy being developed for each client.

The value of your investments can go down as well as up, so you could get back less than you invested.