Focus

read moreThe customer service and support was fantastic from everyone we dealt with. We are very happy with our mortgage and protection provisions. We would certainly recommend and look forward to continuing our relationship with the team in the future. Thank you all. Expert mortgage advice and friendly manner. Every member of the mortgage team did everything in their power to ensure a completely smooth process from start to finish. Their expert advice and friendly manner meant that we were never in any doubt that we were making the right choices throughout.

read moreOnce you decide to retire and start drawing an income from your investments, we explain what options are available to you. It's now more important than ever that you seek advice. When the new Pension Freedom rules were introduced in 2015, the whole Pension landscape changed. The ability to be able to access the whole of your Personal Pension fund gave people the chance to look at their retirement in a completely different way. Spending too much at the start means that there is a real chance that funds could run out in later life.

read moreTechnology has changed dramatically. From paper files and written correspondence to electronic trading and emails, Punter Southall Focus has embraced these changes. Whilst adopting a modern approach, clients are still treated as individuals - if a letter is preferred to an email, then that's the way business is transacted. The future is about maintaining the values that we believe in, whilst adapting to the ever changing world of financial planning. Punter Southall Focus now has a team of more than 20 talented Partners and staff providing solutions and first class service in all areas of financial planning and mortgage arrangements.

read moreWhat do you need the money for? It may be specifically for a purpose (income in retirement, provision of cash for university fees) or it may be that you aren't yet sure how things will pan out. We will ask you about your plans to find out what you're trying to achieve with the capital. When do you need it? A time-frame is crucial. For example, if this capital is needed in the next 12 months, then clearly a cash-based investment is the only suitable option. If it is to be used to provide income in retirement a lot further into the future, we can consider different options.

read moreBut protecting your loved ones has never been easier, and it's designed to give you the peace of mind you need to live life to the full, knowing that you and your family are all covered against life's unfortunate events. The correct policy and appropriate level of cover is vital when it comes to protecting you and your family. At Punter Southall Aspire we are able to advise on all aspects of life assurance cover to ensure that your loved ones are properly catered for should the worst happen. Our service is totally tailored to you and your needs, but one thing remains true throughout - we'll help you get the right cover, at the right price.

read moreThe earlier you can start planning for retirement, the easier it will be and the more you'll potentially benefit. Whether you're part of a Workplace Savings scheme or fund your Pension through your own business, you should always be asking yourself some key questions around your contribution levels and your investment options. But these days, funding for retirement isn't simply a matter of paying into a Pension. It's also very important to consider all types of savings contracts, such as ISAs, as well.

read moreWe can offer advice on the entire range of products available to suit your own particular circumstances and are not restricted to any one particular lender. We offer a no obligation, initial consultation of up to 30 minutes - at no cost to you - for all mortgage business enquiries. We can talk to you either in person, or over the telephone. Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. My girlfriend and I have just used PS Focus for our mortgage application for our first home with one of their advisers, Ed Batty.

read moreIf you don't plan carefully, one of the key beneficiaries could be HMRC, due to Inheritance Tax (IHT). This not only includes your day to day living expenses, but also any future requirements that may require extra income. This may involve matters out of your hands such as the peaks and troughs of the investment markets, or there could be a requirement in the future for some form of long-term care. Whilst you may be fit and healthy at the moment, you don't know what may happen and the last thing you want to be doing is giving all your money away in good faith and then requiring it back to pay for your care.