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Annuities Explained

Posted by on Jul 18, 2013 in articles | 0 comments

Annuities Explained

When you retire, or continue to work but decide to begin drawing your pension, you have the chance to purchase an annual pension called an annuity.  At retirement you will be entitled to a tax-free lump sum, up to the value of twenty-five percent of your total pension fund, and the remaining seventy-five percent can be used to secure a retirement income. Essentially, you can sell your remaining pension fund, or your total pension fund if you choose not to have a tax-free lump sum, to an insurance company. The insurance company takes your...

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Mortgage Advice

Posted by on Jul 18, 2013 in articles | 0 comments

Mortgage Advice

Jargon free mortgage advice There are thousands of mortgage products available for all sorts of circumstances but finding the right one is not an easy task. We can help you find the right mortgage for you. Find out more today. The choice in the mortgages market can be confusing with so many products to choose from.  Your adviser will take the confusion out of mortgages and present the options clearly and simply, allowing you to make sense of the products available. Your adviser will access professional mortgage sourcing software which is...

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Life Insurance

Posted by on Jul 17, 2013 in articles | 0 comments

Life Insurance

Life Insurance policies pay out a lump sum if you were to die or if you are diagnosed with a critical illness. A further policy can be added, which will pay out a monthly benefit should you be unable to work through accident or sickness. Many people, at all stages of life can benefit from the peace of mind a Life/Critical Illness policy can bring. Your adviser will help you work out how much cover you need with your policy. In the event of your death, it may not just be a mortgage you want to have paid, you may want to leave your loved ones...

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Pension Auto Enroll

Posted by on Aug 31, 2012 in articles, Latest News, Pension News | 0 comments

Pension Auto Enroll

You open your payslip and your salary is less than usual, quite a bit less. This could of been you in October 2012 when 10 million employees not currently in a workplace pension scheme were auto enrolled into one. Public inertia at the moment works against pension saving with millions failing to join their company pension scheme. But the idea of auto enrolment is to make that inertia actually work in favour of pension saving, so if you do nothing you will start to pay into a workplace scheme of some description. Not everyone was immediately...

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Insurance savings?

Posted by on Jul 14, 2012 in Insurance News, Latest News | Comments Off on Insurance savings?

Insurance savings?

Many of us have a range of insurance policies which we have taken out over the years but when was the last time you sat down and reviewed the policy premiums and level of cover they provide? Contact us today and we’ll arrange a no obligation review of your current policies and compare them with the latest products and premiums. You have nothing to lose but you may find yourself better off financially if we can find a better deal for you.

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Critical Illness

Posted by on Jul 14, 2012 in articles, Insurance News, Latest News | Comments Off on Critical Illness

Critical Illness

When arranging your mortgage your adviser is duty bound to ensuring you are aware of the available protection which you can benefit from. This normally includes life insurance and home insurance as a minimum but what other cover is available. Critical illness cover typically costs more than life insurance but by speaking to one of our advisers you can tailor a lower cost package by simply reducing the amount of cover to suit your budget. Critical illness cover pays out a lump sum if you are diagnosed with a critical illness therefore it can...

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First Time Buyers

Posted by on May 27, 2012 in Latest News, Mortgage News | Comments Off on First Time Buyers

First Time Buyers

First Time Buyers are finding it increasingly difficult to get a foothold on the property ladder due to larger deposits required by lenders and tightening of income multiples and affordability calculations but as a valued client of ours, we’ll do our upmost to find the right mortgage solution which not only meets your needs but one which offers a competitive rate. If you would like an informal chat about what is currently available, or just need to know how much you might be able to borrow or how much it will cost, contact us today to...

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