Mortgage Advice Horley
Buying a house is widely agreed as the biggest financial step most of us will take in our lives. It can be a daunting process especially if you are a first timer. With many hard decisions to be made from start to finish, it can really pay to have a professional by your side. All of the questions that may arise along the way, the reassurance and needless to say all the work that is done on your behalf. On top of this there is the whole of market access that we have meaning we can advise on all lenders available in the mortgage marketplace and get you the most suitable loan package.
Our advice is very much appreciated by our clients. From remortgaging clients through to people who want to get a buy to let, there's nothing we can't look at for you. Let me go into more detail on a client we had based on Chequers Drive. They had been on the standard variable rate with their lender for a good few years. They had no idea they were paying an expensive rate and could look at a much cheaper deal. They came to us actually for a completely bit of advice but in our fact finding process we look at a clients full picture.
Needless to say this process picked up that they had been overpaying on their mortgage. We did a full analysis and found a deal that ended up saving them a couple of hundred pounds a month. Understandably they were absolutely chuffed. Instead of doing this they managed to shorten their mortgage by 7 years and keep the payments the same as they were currently paying which was absolutely ideal for them. It really pays to get one of our consultants to look at your situation. Having all this experience and knowledge and the market at our fingertips places us so well to help you. And our consultations are absolutely free of charge.
Pension Advice Horley
Retiring is a very personal topic. Building up the correct amount of money can be key to meaning you have comfortable later years. But where do you start?
If your employer has not been contributing to a separate fund all these years, you will just be left with the government pension. This is about £175 per week currently in 2021. For a lot of people this is not enough to live comfortably on. Once you take out the weekly food shop, bills, a car and other bits and bobs you won't be left with a lot of money to actually enjoy yourself.
That's why it's key to start a private fund for yourself to really live in your later years. The earlier you start a pension pot the better really. And there is no one better than our pension advisor to speak with you about this. With over 35 years experience in the industry our fully qualified advisor Tony has all the tools at his disposal to give you a solution that works. He prefers to do face to face meetings with clients, which is perfect as our office is local to Horley. You'll discuss your current situation, what he can do for you and your goals going forward. All of this will culminate in a recommendation based off your preferences. If you are happy to go with this, we will take on management of your fund going forward and will aim to reach your targeted pot size for retirement. Then you can relax as we take care of the day to day running of the fund and update you yearly.
Insurance Advice Horley
Making sure your loved ones are taken care of is the biggest priority for a lot of us. But we don't often think of that in connection to insurance. We think of nice things we buy for our friends and family. Holidays abroad and meals out. But what if you aren't there to do those things? What if you can't pay for your children's clothes and school fees and food because of a nasty fall that's stopped you working? That's where life insurance kicks in.
There are many different forms of cover that we can advise on and it really depends on your situation. Our consultant will take a full view of your current financial situation in detail and make the appropriate advice off the back of what you need and can afford. Ashley has taken over the head of our insurance department and will assist you from start to finish in this process.
It starts with him getting a fact find done to fully understand your current situation. Once he has this he can analyse gaps in your financial make up and help to advise how to plug them with the appropriate cover. The best part about this process with us is it's completely free of charge. Meaning from the start to the end, all of the advice, submitting the applications and getting them in place for you costs absolutely nothing. The best way to start this advice process off is just speak to us today so we can figure out the perfect path and solution for you.
Investment Advice Horley
Making money out of money is the best way to go about it. It requires little to no effort and sees your funds grow over time. The key is, where exactly are you going to place your money and what sort of risks are you willing to take? Those are the main questions you should be asking yourself when looking to invest. It can be tough to answer those questions using your own research.
As there are so many options out there, ISAs, stocks and shares, bonds, mutual funds etc. But how do you know exactly which one is going to provide you with a certain yield and what risk you are taking investing in it? Do you really have time to spend tens of hours finding out the exactness of this information? This is where our investment consultants come in to advise you.
Having an investment advisor who knows the market down to a tee, will save you serious time. We can sit down with you, go over your current funds and your goals for growth along with your attitude to risk. Using all of this information that we gather we then can put together a recommendation for you going forward. If you're happy with this we invest your funds accordingly and then look to manage them going forward. Providing you with an annual report so you can see exactly how your money is growing.
