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Financial Matters is part of the Property Matters Group of companies and as such
was initially created to support our clients who were investing in the property
market. As the group of companies has grown we are now able to offer access to clear,
intelligent, independent advice on all financial matters to all who need it.
We believe it is essential to undertake a financial planning review to ensure you,
your family, assets and long-term goals are adequately protected and supported against
whatever may occur in the future. As such, we will recommend a regulated Independent
Financial Advisor to obtain the best possible mortgage or financial services product
that both suits your needs, budget and circumstances.
Financial Matters does not charge for this service or for any introductions it may
make on your behalf.
Upon successfully being introduced, your requirements and needs will be managed
on an annual basis or more often if you so require.
The following is a summary of the types of services and planning we offer:
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We offer access to an exhaustive list of both mainstream and specialist lenders
in the field of investment property. We will review the market place to identify
the most competitive rates and a range of products which fit your criteria, be it
a fixed rate, discounted tracker or similar such product. In addition we will procure
mortgages that allow incentives such as a builders gifted deposit and similar incentives.
If you own your own home you may choose to remortgage if your existing lender is
not offering you a competitive rate or your existing rate is coming to an end. We
can source from an exhaustive list of lenders up to the minute deals which may include
incentives such as valuation fee paid and solicitors fees paid. A remortgage can
also be used to release capital for home improvements, debt consolidation and investing
in a buy-to-let portfolio. Similarly if you are expanding or maintaining an existing
portfolio of properties we can source a variety of packages to achieve a host of
objectives such as reducing your mortgage costs or to release further capital.
When choosing property as an investment it is essential that you obtain the best
possible mortgage in support of your purchase. Depending upon the property chosen,
and any discount you may receive, it can mean a variety of mortgages would be applicable
including the use of gifted deposits and bridging finance.
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Financial Lifestyle Planning
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At Property Matters Group and Financial Matters we pride ourselves in ensuring that
not only is property the right investment for your personal circumstances but that
it compliments your short to long-term goals. When purchasing property as an investment
it is crucial you understand the impact this will and could have on not just you
and your goals but your family and loved ones. By accessing our independent financial
advisors you will benefit from a lifestyle planning review which will identify and
explain a range of supporting products and services.
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Have you thought about the effect illness, your inability to work, or your death,
would have on your family or business? Without thinking ahead, the consequences
can be devastating. In extreme circumstances this could lead to loss of the family
home or business. Some sound financial planning has to be undertaken to protect
your loved ones. There are various forms of protection that should be considered.
The primary areas are:
- Life Protection
- Critical Illness Protection
- Income Protection
- Long-term Care
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What ever age you are now, independent financial advice can make a big difference
to the quality of life you can expect to enjoy when you retire. Retirement planning
is a complex area, and we can help you to choose the right pension scheme for your
needs and guide you through the options available.
- When to Invest for Retirement
There is no doubt, the earlier you start planning for a comfortable retirement,
the better. But even later in life, there are still a number of options to choose
from. As a pension matures, there are decisions to be made about how best to make
use of the money that has accumulated.
- Reaching your Retirement
We are here to help you make the important financial decisions at retirement
whether you are simply looking to slow down and take things easy or enter an exciting
phase of your life filled with numerous opportunities to travel and do all the things
you've never had the time to do. The value of investments can fall as well as rise.
Past performance is no guarantee of future returns.
- Savings and Investments
Savings and investments are more complex than simply putting your money into a plan
and seeing what happens. It is important to consider what you want to achieve. Are
you investing for income or growth? Are you investing on a regular basis or as a
one off lump-sum? How long do you want to invest for? How much risk are you prepared
to accept?
We can help you to design a portfolio which meets your individual or joint, short
and long-term needs. This will then reflect your own financial objectives and your
requirements for access.
- Investment Bonds - Onshore and Offshore
- Guaranteed Income/Growth Bonds
- Unit Trusts
- Investment Trusts
- Open Ended Investment Companies (OEICS)
- ISAs and PEPs
- National Savings
The value of investments can fall as well as rise.
Past performance is no guarantee
of future returns.
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A Summary of the Products and Services we offer
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Financial
- Investment Planning
- Life Assurance / Personal Protection
- Group Pensions
- Critical Illness and Healthcare
- Inheritance Tax Planning
- Stakeholder / Personal Pensions
- Annuity Service
- Ethical Investments
- Self Invested Pensions
- Pension Drawdown
- Policy Valuations and Sales
- Expatriate / Offshore
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Mortgages
- Standard Mortgages
- Self employed / Self Certified
- Flexible Mortgages
- Buy-to-let
- First Time Buyers
- Adverse Credit / CCJ’s
- Remortgages
- Let -to-buy
- Commercial Mortgages
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