Capital sums for investing are acquired in many ways. These include inheritance, maturing savings policies, windfalls and proceeds from many years of saving. Investment types & requirements can be divided into short and long term needs.
Short term investment needs
These include saving for a car or a holiday. The most suitable investment type is usually a deposit account such as a bank or building society account.
Long term investment needs
These can be saving for retirement, school fees or providing capital for children as they grow up. You may wish to consider savings other than bank deposit accounts for longer term needs.
Whatever the investment type, you'll need to consider a number of important factors including ease of access to funds, charges and any tax implications,
Whether you would like to plan for your retirement, secure your house or protect your family, employing a good financial adviser can take the uncertainties away from you and move it into the hands of a specialist.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.
Please note: •That the above rates may not be available or suitable to all customers as lending criteria is dependent upon your individual circumstances. •That the above rates may become out of date at short notice and may not be available at the point of enquiry. •That the page may not contain all the information needed to make a decision and you should seek independent advice.
For Residential mortgages we do not normally charge a fee as we are usually paid commission by the lender. However, you have the option to pay us a fee if you prefer and receive any commission which we are paid by the lender. If you choose this option, we estimate that the fee will be £350.
For Equity Release/Lifetime Mortgages an initial fee of £500 for arranging the scheme is payable at outset. A further 1.5% of the loan amount is payable when monies are offered to you; for example if you release £100,000 from your home you will need to pay a further £1,500 (1.5% x £100,000) subject to a minimum of £750. Any commission received from the product provider upon completion will be retained. You will receive a key facts illustration when considering a lifetime mortgage, which will tell you about any fees relating to it.