Investment & Savings
Retirement Planning & Pensions
Inheritance Tax Planning
Mortgages & Equity Release
Care Fees Planning
Our Specialist Subjects:
At Bespoke-Advice we can provide advice on all areas of financial planning.
We have specialists in key areas and all our advisers are either qualified to Chartered status or working towards this high level qualification.
The fees for our advice and full details of the service you can expect are made clear in advance. They are always subject to your prior agreement.
No surprises, no commitments, just upfront honesty.
Our Mortgage Advice Services
We will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability.
We will consider all products and lenders that we have access to. This means we will not consider those lenders that are only available by you going direct to them.
Our mortgage services are limited to advising on first charge mortgage products only*. We offer advice on Residential Mortgages, Consumer Buy to Let, Commerical Mortgages & Commerical Buy to Let Mortgages**
*a First Charge Mortgage Loan has legal priority ahead of other loans affecting the land in question.
**A Commercial Buy to Let mortgage is where the borrower is acting by way of busiess and is not regulated by the FCA and therefore the provision of our service does not hold this additional level of consumer protection, unlike residential mortgages.
Where you are increasing your borrowing or consolidating existing loans, you may have the option of ;
Taking out a further advance with your existing lender
Arranging a separate second charge mortgage
Borrowing though an unsecured loan
Whilst these may be appropriate for you, we will not consider the merits of these when making a recommendation to you.
Equity Release - Lifetime Mortgages and Home Reversion Plans
We offer advice following an assessment of your personal needs and circumstances.
We will consider all products and providers that we have access to. This means we will not consider those providers that are only available by you going direct to them.
MORTGAGES ON AND THE EQUITY RELEASED FROM YOUR HOME WILL BE SECURED AGAINST YOUR HOME. IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS
SOME TYPES OF BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FCA
Other Advice Services
Please note that investments can carry differing degrees of risk to capital both in the short and long term. Your capital can go down as well as up in value and you may not get back the original amount invested.
You should not assume that past performance of a particular investment or fund is an indicator of how it will perform in the future. The degree of risk and volatility will depend on the nature and spread of investments.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.
The levels and bases of and reliefs from taxation are subject to change and their value depends on the individual circumstances of the investor.
The Financial Conduct Authority (FCA) does not regulate will writing and taxation and trust advice.