Experience shows that over the long term you’re more likely to enjoy better returns from investments than you would from savings. However, striking the correct balance between risk and reward is key and, while choosing the amount and the manner in which you invest is entirely up to you, we can help you take steps to limit exposure to investment value fluctuations.

The right mortgage for you does exist and we’ll help you find it. Because we’re independent specialists, we’re completely free to select the very best products available on the market. Committed to selecting the right option from a bewildering range, our expert partners at Equity & General have arranged mortgages for thousands of satisfied clients for more than 20 years.

We’ll help you choose what’s best for you from the following options . . .

• The Interest Only Mortgage - repays the interest only and not the capital sum
• The Capital Plus Interest Mortgage - gradually repays the interest and the capital sum
• The Offset Mortgage - links savings and current accounts to offset the borrowing
• The Poor History or Credit Score Mortgage - limited optionnthat could be more expensive

Lenders offer a variety of interest rate options as part of their mortgage deals which include the following . . .

• Discounted Interest Rate
• Tracker Interest Rate
• Capped Interest Rate
• Capped & Collared Interest Rate
• Fixed Interest Rate
• Variable Interest Rate

We’ll help you release tax-free cash from your home without your having to sell or move out. The amount you can release is based on your age and the value of your home. You can receive your money as a single lump sum or a series of smaller sums and you may use the money in any way you like, including to help your children buy their own home, to deal with money worries, to pay off your own loans or just to have extra funds to enjoy in retirement.

Life changes when you retire and so does the way you use your money. Repaying a mortgage and commuting costs associated with work may be replaced by increased spending on leisure activity. It’s never too late to take steps to increase retirement savings. Whatever your plans may be, it’s important to think about the lifestyle you would prefer. If you already have a private or workplace pension, don’t worry, we’ll help you find an additional pension to supplement your retirement income.

Investing, building and securing your wealth for the benefit of your family can be complicated and unnecessarily costly, so planning for what will happen when you’re no longer here to secure their future and protect your wishes will require the help of experts. Welcome to our unique NextGen Intergenerational Wealth Management service from our partners at Equity & General that brings together all the necessary skills and experience under one independent roof. Fully authorised and regulated, we provide you with peace of mind as we work together to help secure your family’s financial future.

It may be unpleasant to contemplate your death and what happens afterwards but the careful planning of your financial and tax affairs means your loved ones are free to carry out your wishes and can be protected from the burden of Inheritance Tax. However, without good financial arrangements your family could find themselves having to pay substantial IT in the event of your premature death. Passing on assets tax efficiently to the next generation is a key objective for those who have spent a lifetime building wealth and we’re here to help you navigate the right path.