- including Lifetime Mortgages (Equity Release)

We can help you choose the right mortgage making the whole process much simpler. There are lots of deals available, so it’s easy to get confused about which one is right for you, even if you’ve been through it before.

We offer you expert guidance and help to take the worry out of finding the right mortgage. Not only will it help you decide on the right mortgage type, we also help you find the most suitable deal. With access to mortgage products from a wide range of the UK’s leading lenders, you can be confident the mortgage we recommend is right for you.

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

Our fee for this service is £395.00. For Lifetime mortgages we charge a flat fee of £595.00 The Financial Conduct Authority (FCA) does not regulate some forms of mortgage.

A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.

The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.

Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead. This is a referral service.

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Retirement Planning

Accumulation (pre-retirement) Providing sound financial advice by helping individuals achieve personal future retirement goals, is as important to us, as it is to you.

We can help you set a realistic retirement plan for when you’d like to retire & how to achieve the income or capital level you’ll need.

Decumulation (at or post retirement) We believe your retirement should be rewarded for the hard work you have put in to get there.

After all, you may live for almost as long as your working life; providing advice on how to make the most of your retirement is key to our relationship with you.

Working with you: Regularly reviewing your retirement planning will allow greater opportunities to remain ‘on track’, if you do veer off track we provide advice to make the necessary adjustments for steering you in the right direction helping you reach your goals.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

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- including Business Insurances

Personal Insurances

We provide advice on the many types of life insurance available; the most appropriate type for you will depend on your circumstances.

Life Insurance will pay out either a single lump sum (sum insured) or a regular income when you die.

Many people take out Critical Illness Insurance cover for when they take on a major commitment, like a mortgage, or start a family. However, since we’d all like to have our financial commitments lightened if we were to suffer a serious illness or injury, the cover is relevant for most of us at any time. Critical Illness Insurance pays out a tax-free lump sum on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions including heart attack, stroke, cancer and major organ transplants.

Income Protection Insurance pays out a regular tax-free replacement income if you become unable to work because of illness or injury. It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.

Short Term Income Protection Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident or illness/injury. There are important differences between these products, and long-term Income Protection Insurance. They include a limit on how long the replacement income will be paid for – usually between 12 and 24 months. By contrast, Income Protection Insurance will pay out for as long as you are unable to work (up to the policy expiry).

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Business Insurance

Key Person Insurance – Ask us how the right insurance can compensate a business for financial losses arising from the death, or extended incapacity, of a specified employee or director.

Shareholder Insurance We believe, in interests of financial security, business stability and continuity, it is essential to provide a safety net following the loss of a shareholder.

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Inheritance Tax Planning

We can help you plan for the future in order to look after your family or friends after you have gone. Understanding and organising your wealth for the benefit of your family or friends can help you to ensure they are cared for once you've passed, with your wealth distributed efficiently and with the least amount of tax liabilities.

Ask us how Inheritance planning can be done during your life to help set things up efficiently at the time of your death.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Investment Planning

Have a lump sum to invest, or want to save on a regular basis?....

We provide a range of products and services to help you meet your investment goals.

The value of investments and any income from them may fall as well as rise. You may get back less than you invested.

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General Insurance

Home and Contents Insurance

Making sure you have the right insurance for your home could provide real peace of mind.

Ask us about our links with a specialist panel of General Insurers through Towergate, Bluedrop, Paymentshield & Stackhouse Poland – should you be unable to obtain buildings insurance for your home. We can also help with your business protection requirements.

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Vulnerable Clients

We understand that from time to time our clients may find themselves dealing with circumstances which could mean they are potentially vulnerable. For example, a change in health, caring for a family member or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.

If this is something you would like to discuss with us, please ask for a copy of our support guide or download a copy here. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us. 

Who regulates us?

We are an appointed representative of The Openwork Partnership, a trading style of Openwork Ltd Auckland House, Lydiard Fields, Swindon, SN5 8UB, which is authorised and regulated by the Financial Conduct Authority 12 Endeavour Square, London, E20 1JN. Openwork Limited’s Financial Conduct Authority number is 408285.

Openwork Limited’s permitted business is advising on and arranging mortgages, general and pure protection insurance and life insurance, pensions and investments.

You can check this on the Financial Services register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.

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