Services
As a financial adviser I provide individuals and businesses with advice on practical and relevant solutions to help them to meet their financial objectives. Some of the key areas I advise on are listed below. Of course, I’ll be happy to discuss your own personal situation and financial goals with you.
Mortgage
Advice
Got your eye on a new property? Is your current mortgage deal up for review? Whatever the context, you want the deal that's best for you and your circumstances, but how to find that right deal? With multiple lenders and an array of different packages on offer, it can be a minefield. Being a specialist with in-depth knowledge of the market, I am able to look at a range of mortgage products which suit your needs. I can advise my clients on the best
mortgage for their particular circumstances. I advise on FCA regulated products and, as such, have a duty of care and obligation to offer the best advice to my clients.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not maintain payments on your mortgage or any other debt secured on it.
​You may have to pay an early repayment charge to your existing lender if you remortgage.
Life & Critical
Illness Cover
The main purpose of Life and Critical Illness Assurance is to provide money for yourself or those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.
It can provide the reassurance of financial protection for you, your family and your business associates. A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. Critical Illness pays out a lump sum on the diagnosis of a critical illness. The money is intended to pay off any
outstanding debts/mortgage and support your dependants financially by providing them with a further lump sum or a regular income if you die.
These plans have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse.
Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described in the key features and policy document if you go ahead with the plan.
Income
Protection
It's always there - that niggling concern over what happens if the money stops coming in. You can never rule it out - economies ebb and flow, markets fluctuate and what's needed today might not be needed tomorrow. It always has consequences when it comes to jobs. And then there's the possibility of illness or an accident. Income protection is intended to pay you a monthly income (usually a percentage of your salary) in the event of an accident or illness which means you are unable to work. You can have short to long term cover depending on your needs and circumstances. This can give you peace of mind that your essential outgoings can be met if you are unable to work.
Income Protection has no cash in value at any time and will cease at the end of the term. If you stop paying premiums your cover may end.
Buildings &
Contents Insurance
If disaster was to strike your property, such as a fire, a flood, or theft, would you be able to cover the cost of repairs or replacing lost items? With the right buildings and contents insurance policy, you can make sure that the things that matter to you most like your home, furniture, or personal belongings are covered financially. Buildings insurance is a legal requirement on all mortgaged properties and there are different levels of cover available depending on your circumstances. Contents insurance is an optional insurance however many people have it as it provides peace of mind to your belongings that they will be replaced if something was to happen.
Landlord
Insurance
Property can make you lose money as often as it makes you gain it. With the best will in the world, you can't account for what will happen when it comes to your tenants. What if you're forced to evict and they challenge the eviction? You could be tied up in legal wrangling for a considerable amount of time. This costs money - not only in terms of legal expenses but also when it comes to rental income. And that's not even taking into account possible accidental damage to your property, malicious damage or loss of rent when the property is standing empty. Landlord insurance can cover this.
Wills &
Trusts
Wills are an essential part of any financial plan, as they dictate how you wish for your assets to be divided upon your passing. They are increasingly important if you have dependents who rely on you financially, or if you wish to leave assets to those outside your immediate family. A Will can also be a good way to limit the burden of Inheritance Tax that may be left after you're gone. Although making a will is one of life’s important decisions it is surprising how few people actually get round to it.
Wills and Inheritance Tax planning are not regulated by the Financial Conduct Authority.
This service has no association with TenetLime Ltd.