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Products & Services

We provide information on pensions, mortgages, investment and life cover. Please take a look at the pages within the site or contact us directly for more information.

Inheritance Tax

As the old joke goes, the only two certainties in life are death and taxes.  Inheritance tax is the tax taken out of a deceased person’s estate before the remainder is passed on to their heirs.  The way IHT currently works is that transfers between spouses/civil...

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Income Drawdown

Income drawdown came about as the result of the “pension freedoms” legislation of April 2015.  Before that date, most of a pension fund had to be used to buy an annuity.  Annuities are basically guaranteed incomes for life.  The annuity system worked well when...

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Pensions and Divorce

Dividing property during a divorce can be a complicated process.  The more assets a couple has, the more complicated it can become.  At present, the two highest-value assets the average couple is likely to own are a house and a pension fund, or funds.  Houses can be...

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How Personal Pensions Work

The basic idea behind personal pensions is fairly simply.  You pay in money throughout your working life.  This is invested by your pension provider (or by you directly in the case of self-invested personal pensions) and when you retire the investment returns are used...

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Pension for Directors

Company directors do not necessarily make all, or even most, of their income through a regular salary in the same way that many employees do.  Their remuneration is likely to be closely tied to the company’s profits and thus may vary from year to year.  What’s more,...

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Life and Critical Illness

Life cover pays out in the event of your death.  Critical illness cover pays out if you are diagnosed with one of a range of specified illnesses.  Life and critical illness cover combines these two forms of insurance into one policy. Life cover can take the form of...

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Difficult to place mortgages

If you’re the proverbial round peg in a square hole you may find that mainstream lenders and mainstream products just don’t work for you.  Either lenders won’t touch you because of your circumstances or you don’t think any product you could get would be right for your...

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Self-employed mortgages

Getting a mortgage when you’re self-employed is actually much the same as getting a mortgage when you are an employee.  The only real difference is how you go about proving your income.  If you are in employment, you will be able to show P60s and wage slips.  If you...

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Key worker mortgages

Occasionally, mainstream lenders may offer special products for key workers.  It is, however, more likely that they will offer key workers the same deals as everyone else, but be prepared to show some level of flexibility with regards to their personal circumstances. ...

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Mortgages for Teachers

As teachers are both highly skilled and key workers, they are often viewed very favourably by mortgage lenders.  Some mainstream lenders may, occasionally, make special products available to them.  It is, however, important to compare these to standard products to see...

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