Business Details
We have served clients from our office in the heart of Royal Wootton Bassett for many years, establishing a trusted presence within the local community. Our team possesses a combined experience spanning decades, with senior members holding over 20 and 30 years in the financial services market respectively. We previously honed our expertise at major institutions such as the Co-operative Insurance Society and Lloyds TSB before founding our own dedicated practice. Our approach centres on providing professional financial and mortgage advice tailored precisely to your individual circumstances. We begin by taking the time to understand your requirements over a relaxed coffee, either at our Swindon offices or a location that suits you best. We then conduct a thorough search across the entire mortgage market and a comprehensive range of pension and protection providers to identify the most suitable products.
Our fully qualified financial and mortgage advisers ensure that every recommendation is affordable and strictly meets your personal criteria. We are committed to presenting these findings clearly so that you can make a fully informed and confident decision. Our goal is to remove the stress from complex financial dealings, saving you both time and money. We pride ourselves on delivering a personal service that navigates the intricacies of mortgages, pensions, investments, and insurance on your behalf. We work diligently to secure the most appropriate deal, giving you genuine peace of mind regarding your financial future. Our advice is always professional, straightforward, and delivered with the utmost integrity.
Our fully qualified financial and mortgage advisers ensure that every recommendation is affordable and strictly meets your personal criteria. We are committed to presenting these findings clearly so that you can make a fully informed and confident decision. Our goal is to remove the stress from complex financial dealings, saving you both time and money. We pride ourselves on delivering a personal service that navigates the intricacies of mortgages, pensions, investments, and insurance on your behalf. We work diligently to secure the most appropriate deal, giving you genuine peace of mind regarding your financial future. Our advice is always professional, straightforward, and delivered with the utmost integrity.
Highlights and features
- Our team has over 30 years of financial services experience.
- We search across the entire mortgage market for suitability.
- We provide access to broker-exclusive mortgage products.
- Our advice is fully tailored to your individual financial circumstances.
Services
Residential mortgages
We assist clients in calculating an affordable borrowing amount by considering specific lender criteria, thereby avoiding financially unviable applications. Our service provides access to a vast number of mortgages, including exclusive broker-only deals, ensuring you secure the most suitable residential product. We offer a no-obligation meeting to discuss your personal circumstances and provide a full advice and recommendation service.
Buy to Let mortgages
We provide specialist advice for clients looking to rent out property, explaining the key differences from ordinary mortgages, such as higher interest rates and fees. Our consultants guide you through the requirement for a minimum 20% deposit and the lending calculations linked to expected rental income. We help you understand the necessity for rental income to be at least 25% higher than your mortgage payment.
Pensions
Our comprehensive pension advice service encompasses both new and existing arrangements, including annuities, drawdowns, and stakeholder pensions. We offer guidance on complex areas such as pension transfers and group personal pensions to optimise your retirement planning. We ensure you understand your options so you can make informed decisions regarding your long-term financial security.
Investment
Our investment advice service covers a range of opportunities including stocks and shares, ISAs, and both on and offshore bonds. We help you navigate the available options to construct a strategy that aligns with your financial goals. It is important to remember that the value of investments and the income they produce can fall as well as rise.
Insurance
We offer a comprehensive insurance service designed to protect you and your family against unforeseen circumstances. Our advice covers life insurance, accident, sickness, and critical illness cover, as well as income protection. We search a range of protection providers to find the most suitable fit for your individual needs.
