BARGATE INDEPENDENT FINANCIAL ADVISERS

read moreYou may have read a great deal about pensions in the press recently. That's because there are some serious issues about our ageing population and uncertainty about how we are going to pay for our retirement. The Government is concerned, but, whatever strategies or legislation they introduce to encourage us to save more, one thing is for certain: the sooner you begin to save yourself, the better off you should be when you retire. But what is the best way of saving for your retirement? Which pension company is best for you?

read moreIf, like many thousands of homeowners in the UK, you have a mortgage and other debts like personal loans, an overdraft or an outstanding credit card balance, then you may be interested in a financial review service. Personal loans and other types of credit tend to be charged at much higher rates of interest than mortgages, making the monthly payment of these loans very expensive. There are mortgage lenders in the UK who would consider consolidating a mortgage with all other short-term debts into one single new mortgage.

read moreProviding for the family is a priority for most of us. Unfortunately, making provision for the future is less so. And there may well come a time when you may not be able to provide the financial stability you would like because of ill health, the loss of your income or even death. So it makes sense to think now about protection for your family in the future. The advisor can help you select the type of policy best suited to your circumstances; the right amount of cover; and the most competitive products available to you.

read moreYour mortgage is probably your biggest financial commitment and it is therefore vital that you choose the right one, as failure to do so could prove very costly. However, with several mortgage schemes from all the major lenders in the UK, how can you be sure that you have the one most suitable for you? Your independent mortgage adviser can gather all your relevant details and then recommend a mortgage that they feel suits your personal circumstances. This initial mortgage consultation is completely free of charge.

read moreYour advisor can arrange Buildings and Contents Insurance and Accident sickness & Unemployment Cover. For Buildings and Contents Insurance and Accident sickness & Unemployment insurance we usually offer products from a selected panel of Providers. For all other General Insurance we act as introducers only.

read moreIt makes good sense to put a little money away for the future. Even some of today's so-called "necessities" such as the family holiday require a disciplined saving habit. But whatever you're saving for - your retirement, a new car or improvements to your home - you need to make sure that your money is always working hard for you. That's why you should talk to us. After a confidential discussion with you, to talk about your plans for the future, your advisor can carry out a comprehensive review of your current arrangements.

read moreMost people try to prepare for retirement. Simply, this means ensuring that your pensions and savings are in place to help you adjust to life after working. In addition, most of the large debts that you accumulate in your working life - such as your mortgage and car loans - should, by then, be paid off. But, whilst your life in retirement is something you should enjoy, it is also a time when you could be at your most vulnerable. Which is why it is important to plan early - and plan wisely. Your advisor will offer advice on how to maximise your pension, how best to invest for long-term growth, making maximum use of the tax breaks available and making sure that the necessary inheritance tax arrangements are in place.

read moreThere are many loans companies around and we have tried several on behalf of our clients to find the most cost effective in the market today. Please contact us to arrange a consultation to see which company best suits your needs.