Your Pension, Savings & ISA

Cars, houses, weddings, children: there are so many demands on your finances though your twenties and being able to use savings is a far better option than racking up expensive debt. The amounts may seem overwhelming but there is a lot that can be achieved with as little as £20/week.

Setting up “pots” is pretty straight forward; you may already have this option through your banking app. But if you are relying on the interest rate from your current account or savings account then you are missing out on the potential of achieving higher returns.

If you haven’t yet purchased your first home, we will advise you on how to access any government saving incentives that may be available to you through the use of an appropriate ISA. We will also help you understand how tax on different methods of saving can be affected by your level of income so that we choose the right financial product.

Some of your saving objectives may require you to take investment risk. We will spend as much time as we need explaining the types or risk and how the amount of risk taken affects the potential returns on your savings. Once you are comfortable with these concepts, we will profile your “attitude to risk” and work with you to find the most appropriate investment strategy for you.

If you have a pension set up with us then we are often able to provide visibility of your savings through the same on line portal.

An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.

Your Mortgage

Some mortgages can appear to be fairly straight forward but in this ever-changing sector it is important to know which products are going to suit your specific circumstances from the outset. We know which providers are more accommodating to fluctuating income, brief employment history, or the need for a guarantor. Having this knowledge will prevent you from wasting time seeking agreements in principle from lenders that are less likely to favour your situation.

It can be soul destroying and potentially disastrous to your property purchase if underwriting issues crop up, or a problem emerges with the selected mortgage weeks or even months into the process.

Our mortgage and protection specialist, James Whittingham, is here to help you navigate this complex area.

He will guide you through a 5-stage process outlined here and make sure that everything runs as smoothly as it can.

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