Whole of Market Mortgage Advice Offering Mortgage advice from the whole market. This includes all the usual high street lenders such as Halifax, Abbey, Nationwide, Natwest etc. In addition we can access smaller more Niche lenders such as Aldermore, TMW, Principality Building Society. As well as the more usual residential mortgage situations such as first time buyers, purchases and remortgages we can help in many situations that a typical bank or building society would decline. Cases such as guarantor mortgage, transfer of equity due to a family death or divorce or those in or approaching retirement age. Other areas include buy to let either for professional landlords or those just starting to build their portfolio. Whatever your needs ring me Damian on 07912 076990 after a 2 minute chat we can work out the best way to move forward.

No Broker Fee Many mortgage brokers charge broker fees of £500 upwards. Typically we charge no broker fee, but we do give you the option of paying a fee and having the mortgage commission fee refunded to you. However in most mortgages cases the no broker fee works out to be the cheapest option for our clients. Instead of charging fees I am to build a long term adviser client relationship and hope to build long term repeat business.

I work around You I work most days between 11.00am and 9.00pm therefore I offer a flexible service I can work around your work and life. Appointments are better carried out on a face to face basis. However phone appointments can be done as and when required. Sometimes if time-scales are tight then doing things by phone is quicker and more convenient. Instead of coming to visit me like you would a bank or building society I visit you. No parking, no time off work just a good convenient service.

Mortgage Advice I have lost count of the number of clients who have rung me up as they have been declined by their existing bank or building society. Other clients have had advice from mortgage brokers but in some instances has not been happy with the service or quality of advice. By taking the time to carry out a full fact find I can then take the whole picture into consideration. In many cases I might uncover some information that can lead me to a solution that the other adviser missed. By having practice of the mortgage market and keeping up to date with lenders criteria I can use this knowledge to help formulate the best possible advice. Ring Damian on 07912 076990 for a short chat and to see how to move things forward.

Retirement Planning Many clients have no retirement planning whatsoever for these clients starting a new pension may be a priority and I can advice and recommend for these clients. However many clients that I come across have a old retirement plan that was taken out many years ago. Most of these clients do not see the existing adviser who may have retired many years ago. By carrying out a review on the existing pension and looking at areas such as charging structure, performance and fund choice I can determine if the client is better sticking with their existing plan or moving to a new pension provider.

Other clients are approaching retirement age and want to take advantage of the open market option. These days there is a lot of choice at retirement and possible solutions could include Fixed Term Annuities, Impaired or Enhanced Annuities and other more riskier retirement strategies. An annuity cannot be undone and thus getting proper advice at this time is crucial. I will find out your existing situation by carrying out an in depth fact find. This will help me make a suitable advice recommendation. Throughout the whole process I use no jargon terms and explain things in layman's language.

Protection Reviews Protection solutions tend to fall into two distinct categories. These are personal protection and business protection.

Business Protection Solutions include areas such as shareholder protection insurance, key person insurance, relevant life policy insurance and loan protection. Over the years I have built up extensive knowledge of this important area. Many of these solutions offer certain tax advantages on top of that by having the right solution in place it could mean the difference between a business going under in times of a death or critical illness of a key person or shareholder.

Personal Protection Advice is often only reviewed when clients take out a new mortgage or start a family. In most cases that I review what the client thinks they have and what they actually have are 2 different things. As your financial situation and family situation changes throughout life it is important that the protection you have is changed and adapts to your circumstances. Typical areas of protection that I advise on in this area include mortgage protection insurance, term life insurance, family income benefit, income protection insurance and ASU.

Investments Again the fact finding process help formulate the best possible recommendation for your investments. Once I know your current tax situation, affordability, aspirations and attitude to risk I can begin to formulate investment recommendations. Products that could be recommended will include, bonds, ISAs, Investment Trusts etc.