Pensions Advice: “How much money do I need to retire ?”

best pensions planning and pension advice for merseysideYou’ve come to that important juncture in your life where you ask yourself “how much do I need to retire ?”. You need to consider your requirements in the future. Will the mortgage be paid ? Have you set any money aside for the future ? How have you set this money aside ? Is it a Pension Product ? Property ?

In answering the primary question “how much money do I need to retire ?” you will find we can provide some good and some bad news. Continue reading Pensions Advice: “How much money do I need to retire ?”

Question: Where should I invest my money ?

independent impartial investments advice on sipps isas bonds and sharesIts a question we get asked all the time ! among the other questions such as:

Questions: Do I invest in Sipp’s (Self Invested Personal Pension) or Isa’s (Individual Savings Account) ? What are the differences between Sipp’s or Isa’s ? Continue reading Question: Where should I invest my money ?

What do I need to retire ?

the_best_independent_retirement_advice_in_merseysideA question asked by a lot of people . . . “What do I need to retire ?” . . . some need more than others, but ultimately we all want a high standard of living in our retirement years. What you need in our informed opinion is sound and qualified financial advice. Its important to a lot of people to have “peace of mind” and a “steady income” in retirement. The majority of us also want to leave something behind for our families to ease their financial burdens after we are gone. The uncertainty of future events can be negated with an understanding of the past and a comprehensive knowledge of the “now”. Continue reading What do I need to retire ?

Are you looking for sound pension advice ?

allisons financial advice alison fosterMany people are . . . so if your trying to find unbiased, qualified and knowledgeable pension advice from experts within the industry then you can do no better than Allisons Financial Planning Co Ltd. We are an independent company specializing in unbiased pensions advice, advice that could save you money, time and anguish over the correct financial pension choices for you and your family.  Continue reading Are you looking for sound pension advice ?

New Mortgage lenders announced for Help to Buy scheme

mortgage advice for help to buy mortgagesStarting this month borrowers will be able to choose from an increased range of “help to buymortgages with Aldermore and Virgin Money both committing to the Government backed Help to buy scheme. With this announcement we will see the total number of lenders offering the help to buy option increase to five. Others banks and building societies have also intimated that they will be offering help to buy products in the coming months. Continue reading New Mortgage lenders announced for Help to Buy scheme

No time like the present to start a pension

68_state_pensionWith the news of the state pension age (SPA) being raised quicker than previously planned there is no better time to get some professional pension advice on your personal pension situation. Continue reading No time like the present to start a pension

Independent mortgage advice on the “Help to Buy” Scheme

help to buy mortgage scheme with independent mortgage adviceThe Help to buy mortgage scheme was first announced in the Government Budget of 2013. Essentially designed to help any person who is finding purchasing their first home difficult. Two of the Main elements to bare in mind are that this scheme is restricted to the purchase of new build homes and that the purchaser is only required to raise 5% of the value of the property as a deposit. Continue reading Independent mortgage advice on the “Help to Buy” Scheme

Mortgage lending decline in October

october_lendingThe number of mortgages being taken out with UK banks fell slightly in October, according to the industry.

The (BBA) British Bankers Association said that loans approved in October stood at 42,808 which is a slight dip of 375 on Septembers figures.

The mortgage lending figures from BBA still indicate a large increase of 33% over the past 12 months. Continue reading Mortgage lending decline in October

Government Backed “Help to Buy” mortgages a helping hand !

help to buy mortgages from a government schemeNot everyone has the facility to save a large deposit for a new home. However with the addition of the government backed “Help to Buy” scheme, some qualifying borrowers now have the facility to apply for loans on new-build properties worth up to £600,000. Borrowers now only have to put down a minimum 5% deposit, they can then gain up to 20% with an equity loan from the “Home and Communities Agency“. Continue reading Government Backed “Help to Buymortgages a helping hand !

20% extra income from choosing the best annuity rate

receive_20_percent_extra_annuity_income_when_choosing_the_best_annuity_ratesIts always prudent to shop around to find the best deal, annuity products are no different than any other product in that respect. Buying an annuity can be very involved and complicated, its important to have correct and accurate information on the range of annuity products in the marketplace so you can make an informed decision on the best annuity for you. According to the “Which?” consumer website, shopping around for an annuity can increase your retirement income by as much as 20%. Continue reading 20% extra income from choosing the best annuity rate

Mortgage rates reach new low

mortgage_ratesAccording to reports today in the second quarter of 2013 the rate of an average UK mortgage dropped to a historical new low. Coinciding with the ever improving recovery of the UK housing market.

Today the Bank of England announced the fall to 3.43% on average mortgage rates (occurring in the three months to June) this is down from 3.47% the last quarter. New mortgage rates also fell from 3.65% to 3.47%.

Continue reading Mortgage rates reach new low

Benefit from having a savings plan with expert savings advice

saving_with_a_plan_and_expert_savings_adviceIf you haven’t already done so then it would be prudent to consider saving as it can make all the difference in an uncertain future. Benefit from security and peace of mind, knowing that a financial safety net is available no matter what life throws at you. Plan for the unexpected, job loss, house or home repairs even illness. Through savings and correct investment through qualified savings advice you can maximize the potential for your life goals. Continue reading Benefit from having a savings plan with expert savings advice

Buy to Let and Fixed Rate Versus Tracker Mortgages

fixed_rate_mortgages_versus_tracker_mortgages_for_a_buy_to_letIf your looking for a “Buy to Let Mortgage” in the Formby or anywhere in the Merseyside and Liverpool area then benefit from our independent mortgage advice. Whether your looking for a “Buy to Let” as a pension investment or your looking to purchase a “Buy to let” for an ageing relative. Then we can help, here is a small snapshot of how we can help you find the best mortgage rate, that fulfills your needs now and in the future. Continue reading Buy to Let and Fixed Rate Versus Tracker Mortgages

Independent Financial Adviser – Mortgage Advice

mortgage-homeAs independent financial advisers in the Northwest, Merseyside and Liverpool and Liverpool we have access to up to date and comprehensive search engines where we run regular checks on the whole mortgage market in search of the right plan to suit the personal circumstances of the borrower. From home movers to first time buyers, remortgage clients to buy to let investors and commercial borrowers.  Continue reading Independent Financial Adviser – Mortgage Advice

Advice in annuity options, enhanced annuity rates, impaired annuity for Southport

independent annuity options enhanced annuity rates impaired annuity advice for southportAt your current age you may consider retirement as a distant prospect, but this should not mean you disregard the need for it. The moment you plan for your future and plan well is the moment you may feel rest assured that your prepared financially for your retirement years. The earlier you start to plan for retirement the better it can be, by considering and planning now you will be more prepared for the momentous day when you do retire. Continue reading Advice in annuity options, enhanced annuity rates, impaired annuity for Southport

House prices increase 2.6 per cent

house price risesAs reported today (18th June 2013) in The Independent; UK house prices in the year to April rose by 2.6% according to official figures. However they were down from a 2.7% increase in the year to March.

The average cost of a house in the UK rose to £238,000 in April according to the Office for National Statistics who indicated that prices in England increased by 1.8%, in Wales they increased by 6.2% however Scotland saw a decrease of 1.2% and 0.8% in Northern Ireland.

Continue reading House prices increase 2.6 per cent

Pensions advice from Southport Pensions Experts

independant pensions advice from pensions experts in southport merseysideWe offer independent pensions advice to Southport residents and we always strive to offer the best annuity rates in the marketplace today. Being independent means we can compare the different rates available, our advice is biased towards only you, the client. Consider what are the best rates available, even if they are not with your current provider ! Moving your pension savings could result in an increase of up to 40% dependent on your individual circumstances.
Continue reading Pensions advice from Southport Pensions Experts

Experienced and Qualified Annuity Experts in Southport, Merseyside and Liverpool

best_annuity_rates_and_independent_annuity_advice_for_southport_merseysideAnnuities can provide an answer to some simple questions . . . How much income do I draw from my pension ? Whats the safest way to draw an income from my pension ? If you live or work in Southport, are interested in pensions or annuity rates  ?

Then you should consult with an independent financial adviser. We are qualified Pensions and Annuity experts who offer independent financial advice in these specific areas. Continue reading Experienced and Qualified Annuity Experts in Southport, Merseyside and Liverpool

Pensions advice for the Southport and Merseyside and Liverpool area from Pension Experts

SouthportAre you from the Southport Area ? Are you considering your future and current pension options ? If you are then seek independent financial advice from Pensions Experts !

Pensions are basic in concept, they should be simple but can become complex in practice. In our opinion you should always seek expert financial advice when planning a pension scheme. Continue reading Pensions advice for the Southport and Merseyside and Liverpool area from Pension Experts

Mortgage approvals fall and Help to Buy mortgage scheme introduced

mortgage approvals fallToday according to the Bank of England it was revealed that in February mortgage approvals fell to a five-month low with a figure of near 52 thousand approvals. This makes it the lowest number since September 2012 and comes at a time when the market was showing signs of an increase in activity.

Continue reading Mortgage approvals fall and Help to Buy mortgage scheme introduced