- Residential Mortgages
- Moving Home
- First Time Buyer
- Self Build Mortgages
- New Build Mortgages
- Help to Buy
- Interest Only Mortgages
- Second Home Mortgages
- Offset Mortgages
Choosing a mortgage is one of the biggest financial decisions you’re ever likely to make. There are thousands of mortgage deals out there and we are here to help you choose the right one.
The mortgage market has become an incredibly competitive place and it can be hard to understand exactly what is on offer. There are many different providers and an extensive range of products and rates available – at Bre-Ton Financial Services, we offer simple, ‘plain-english’ mortgage advice.
Bre-Ton Financial Services use the latest software to source the most suitable product from a comprehensive range of lenders when looking for the most suitable deal for you. We use our knowledge of lenders criteria to recommend the best deal available depending on your personal circumstances. Bre-Ton Financial Services will work with you every step of the way when advising and arranging your mortgage. Through experience, we know exactly what criteria you will need to meet in order to get onto the property ladder.
For mortgage advice, you can choose how we are paid: pay a fee, usually £500, or we can accept commission from the lender, or a combination of both.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Insurance and Protection
- Accident & Sickness
- Critical Illness
- Serious Illness
- Income Protection Insurance
- Life Insurance
- Business Protection
- Key Person Cover
- Relevant Life Insurance
At Bre-Ton Financial Services, we can help you understand the protection you may need, thinking about what’s important to you – for e.g. your family, lifestyle and your home (rent or mortgage) – and making sure they’re all protected.
To work out whether you need protection and what type of protection you might need, it’s important to look at the whole picture: What savings do you have? Do you have a mortgage or any debts you need to pay? Do you already have any insurance products, and if so what do they cover? No two people are the same, and the type of protection you need will depend on your personal circumstances and stage in life.
- Pension Consolidation
- Pension Drawdown
- Pensions & Retirement Planning
- Pensions Review
- Pensions transfer
- Pensions & Divorce
Many of us spend almost as long in retirement as we do working. It’s never too early to start thinking about your pension plan, and Bre-Ton Financial Services is here to help you choose the right type of plan for you.
Whether you are an individual in the earlier years of your career and are starting to save for your future, or are a little bit older and nearing the time of taking your benefits, or are already in retirement, the need to avail of good impartial financial advice has never been greater than it is now. It can make a considerable difference to your long term financial security and that of your dependents.
The biggest shake up in pensions legislation in the last 50 years has taken most employers large and small by surprise. The requirements for implementing the automatic enrolment of workers into workplace pensions and the fines that will be levied if employers fail to comply are onerous and potentially expensive.
As an employer, one of the most important concerns will be complying with the new regulations in a cost effective manner. We guide you through this process from start to finish.
We will help you:
- Comply with the new Workplace Pension Regulations
- Avoid Fines for non-compliance
- Deliver a solution that strengthens your relationship with your workforce
- Investing for income/capital
- Investment Trusts
- Offshore Investments
- Unit Trusts
- Socially responsible Investments
- Capital guarantees
At Bre-Ton Financial Services, our aim is to help you gain the greatest possible return on your investments within your stated risk tolerances, and we recognise that your money is an investment in your future and that of your family or business.
We aim to understand your goals, ambitions and comfort levels, and take into account your attitude to risk and your long and short term objectives to create investment portfolios with both lower and higher expected returns. We will carry out detailed research which will help us identify and select suitable investment funds for you or your business. Once an investment is in place, we manage and review the performance of your investment portfolio regularly making amendments as necessary.
A trust is a way of managing assets (money, investments, land or buildings) for people. There are different types of trusts and they are taxed differently.
Trusts are set up for a number of reasons, including:
- To control and protect family assets
- When someone’s too young to handle their affairs
- When someone can’t handle their affairs because they’re incapacitated
- To pass on assets while you’re still alive
- To pass on assets when you die (a ‘will trust’)
The settlor decides how the assets in a trust should be used – this is usually set out in a document called the ‘trust deed’.
The trustees are the legal owners of the assets held in a trust. Their role is to deal with the assets according to the settlor’s wishes, as set out in the trust deed or their will. They will also manage the trust on a day-to-day basis and pay any tax due and decide how to invest or use the trust’s assets
The beneficiary may be one person, or a group such as a whole family. They may benefit from the income of a trust, the capital only (for example getting shares held in a trust when they reach a certain age), or both the income and capital of the trust.
There are many types of trusts available and there are rules around each, but if you get in touch, I can explain each one and recommend the best one for your circumstances – and complete all the hard work for you.