A defined benefit scheme (commonly known as final salary or DB Scheme) is where your employer promises to give you an income in retirement based upon the number of years you have worked for them and y...
The other type of scheme is a defined contribution scheme or DC scheme. In this type of arrangement, you will normally be expected to contribute as will your employer. This is suitable for the self-em...
In retirement, your outgoings are likely to be lower. For example, most retirees will have paid off their mortgage and their children will be financially independent. A general rule of thumb is that s...
The amount you need to save depends on the size of the pension pot that you want, it also depends on your age.
For example, putting 10% of your earnings towards your pension is fine if you are in y...
None of us know what the future holds but it makes sense to meet with an independent financial adviser to sense check your current financial position and plan for the future.
Speaking to a knowledg...
Mortgage brokers are specialist advisers who will look for a suitable mortgage product on a client’s behalf in order to ensure they get the best possible deal based on their requirements....
This will not prevent you from getting a mortgage. We have had great success in helping clients with adverse credit. There are a number of lenders who are more favourable to clients who have previousl...
Yes, our advice is always independent and impartial, we will recommend what we consider to be the best mortgage to meet your needs. They have no affiliation with a particular lender or panel. We are F...
Being a ‘whole of market broker’ means that we have access to the whole mortgage market. We search and compare the entire market to find the best offer for you, doing all the hard work for you. Pl...
Our brokers take all the hard work out of finding the very best mortgage offers available. We are CII MAQ qualified and FCA Regulated. We can charge a Financial Arrangement Fee payable on application....
