Hellier Independent Financial Services

read moreWhether you are looking for advice in a specific area, or a full financial review, we are in an excellent position to help. In addition to giving our clients the best possible solutions to meet their current financial needs we can also provide a high quality on-going service if required. Having discovered that we can provide independent advice on all aspects of financial planning including investments, mortgages, pensions and insurance, we now acknowledge that our clients turn to us first when they need guidance.

read moreWe provide individuals and businesses with advice on practical and relevant solutions to help them to meet their financial objectives. Some of the key areas we advise on are listed below. Of course, we'll be happy to discuss your own personal situation and goals with you.

read moreStandard Variable Rate (SVR) - The SVR is the lenders standard rate. With a variable rate mortgage you are normally able to switch lenders at any time without being penalised. If you take out a mortgage that has a fixed, tracker or discounted rate once the set period of time ends the loan will usually revert to the Lenders SVR. Fixed Rate - A fixed rate mortgage allows you to repay interest at a fixed rate, irrespective of any interest rate fluctuations. In other words your monthly repayments will remain the same every month for a time period agreed between you and your lender.

read moreEquity release can be a financial lifeline for older people who find themselves in need of cash, often living on small incomes despite living in properties worth hundreds of thousands of pounds. Moving house can be an expensive and stressful process at any age. Many older people would prefer to stay put to and benefit from the 'equity' or value tied up in their homes, and equity release schemes allow them to do that. There are various types of plan available to home owners aged 55 and over. With Lifetime Mortgages where the interest is rolled up, a loan is taken out on the property to provide a lump sum, an income or a combination of the two.

read moreA business may want to protect the key employees within their firm - perhaps the key salesperson, or the IT manager, without whom the business would not function properly. Keyperson / shareholder / partnership protection can provide a fixed sum should the individual be unable to work, or even die. The benefit will be designed to cover the firm's expenses in meeting any emergency costs, recruiting a replacement employee and protecting the future of the business. If a shareholder were to pass away, the firms remaining shareholders or directors may want to purchase the deceased's shares from their estate promptly to maintain control of their business.

read moreFrom childhood, most of us are told to put away money to save for the future - perhaps for something special; or maybe to be sure that when we really need something we have the funds to acquire it, without taking on debt. People's aims are broadly the same; to provide for future needs, and to protect ourselves against unexpected expenditure, events and inflation. When planning your finances, it is important to distinguish between savings and investments. Savings are generally funds that you set aside that can be accessed relatively quickly.

read morePensions are designed to enable you to save sufficient money during your working life to provide an income stream for you to live comfortably after you have retired. There are many different 'tools' used to save for retirement, the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension income to provide for your retirement. The new State Pension is a regular payment from the government that you can claim if you have reached State Pension Age (SPA) on or after 6 April 2016.

read moreMortgages are one of the largest single transactions in most people's lives. Buying a property can be a stressful and time-consuming experience; nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender's offer. Banks, building societies and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers. The two main methods of repaying a mortgage are repayment (capital and interest) and interest only.