Have a question?

Find answers to some of the questions asked most frequently by our clients

  • What does “Your capital is at risk” mean?

    Put simply ‘capital’ is the money that you choose to invest. With market fluctuations and other outside risks, an investment will always bear some form of partial or total risk to your funds.

    Our objective is to provide the best advice that we can to help you minimise your risk profile, however we will always try to reiterate that there will always be a risk to capital with any investment.

  • What is pension freedom?

    These days there is increased flexibility with pensions, for example you can work and receive pension benefits if you are over 55 if you choose to, and you can choose how and when you access the money you have saved in personal pensions. (depending on the rules of the pension scheme you are a member of)

  • What is a pension?

    A pension means different things to different people, but it is generally regarded as a plan in which you save for your retirement, which when you come to retire will have accumulated a value and will then provide you with a benefit.

  • What is critical illness plan?

    A tax-free lump sum payable if you are diagnosed with pre-defined condition.

    It’s easy to think that you will never be diagnosed with a critical illness, particularly when we feel healthy and energetic. But you can fall ill with very little warning. A critical illness can have a serious impact not only on your life, but also on the lives of your family.

    Knowing you don’t have to worry about your financial commitments, if you’re unable to work, can give you peace of mind.  

    we are experts in finding the most suitable plan for your needs from the whole of market providers.

  • Why do I need to protect my income?

    You are invested in your career, so it’s vital to protect your lifestyle & future income. If you were unexpectedly having an illness or injury that stops you from working, Income protection plan would take care of your important financial commitments.

    We will find the most suitable plan for your needs from the whole of market providers.

  • Why do I need life Assurance?

    Have you considered what would happen to your family, if you were to die and you were no longer there to support them? Money worries can be devastating for your family, at an already difficult time.

    A life assurance policy could be the lifeline that helps your loved ones cope financially by providing them with a lump sum in the event of your death. The money can be used for any purpose for example, paying off a mortgage, paying household bills or any outstanding debts.

  • Why do I need a mortgage broker?


    Identifying the best mortgage for your personal circumstances, from thousands of mortgage deals, many are not available on the high street and submitting a successful application is no mean feat.

    As well as the complexities involved, its time consuming and can be costly if mistakes are made. That’s where the expertise of a mortgage broker can play a huge role.

  • Which lenders do we work with?

    We have access to lenders that represent the whole of the mortgage market.