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Mortgages - Why use a Mortgage Broker?

In these times of low interest rates and terrific competition amongst lenders, home purchase is thankfully a great deal less difficult, but choosing the right me is alot less simply because of the range of options available. A short-term discc rate may actually cost more long term than a mortgage which looks less attractive on first glance. These are the sort of issues which an Independent Mortgage Broke help clarify.

Talk to our highly experienced mortgage advisors. We will outline the types of mortgages available and help you choose the mortgage that suits your present circumstances and your future plans - Long term.

We will guide you through the Mortgage Maze - From Application, Valuation, Loan Offer, Survey, Solicitors, Mortgage Protection, House Insurance, Contract and issuing of the Loan Cheque.

As an independent Mortgage Broker we take the long-term view of your mortgage application and will endeavor to provide you with the best options to suit your requirements.

Visit MortgagePoint which specialise in tailoring a mortgage package particular to their customers needs from a wide range of lenders so as to find the best deal for them.

Pensions - The Right Investment Strategy

No matter when you start your pension, whether you're self employed or not, the one crucial decision to make that can really effect your retirement income - XX how to invest your pension fund.

What should you be looking for when making your choice of investment funds. Should you invest in equities - company stocks and shares, or play it safe and XX with profit funds, or secure assets like government gilt's or cash. What about XX funds which contain a mixture of various types of investment assets?

These are some of the questions that we as Independent Life & Pension Brokers provide advice on and put in place a pension plan to suit your individual requirements.

We also provide independent advice for the following:
Mortgage Protection
Life Cover
Serious Illness Cover
Permanent Health Insurance

Investments -Your Lump Sum
With the Celtic Tiger in full roar at the moment many people are managing to accumulate lump sums of money through hard work and astute management of finances.

Where and what type of product to invest this money are issues that an Independent Financial Broker can help you with whose only concern is to get you the right product that suits your individual circumstances.

Use the acronym A.R.T.I.C when Looking at Investment Products.

A-cess: Some investments may offer immediate access to your capital while others require you to leave your money locked up for a specified period.

R-isk v R-eturn: Risk and Return can never be separated. Investments that  offer high returns inevitably contain a higher level of risk than investments that offer lower returns.

T-axation: The investor should check out the tax liability on investment products such as DIRT tax, tax payable on income or capital gains tax on profit.

Income: Do you require income from your investment, how will this effect capital growth.

C-apital growth: The longer you invest your money the more capital growth you expect. However remember Risk v Return. The higher the potential return the higher risk.

There are products on the market that offer a combination of security, growth and peace of mind with underlying fund guarantees whilst also offering potential returns by investing in both With Profit and Unit Linked Funds.

Finance - A Number of Options
When purchasing a car or equipment most people will need some form of finance. There are three main types of finance packages available:

Hire Purchase: This is a very popular method of finance by borrowing money over a fixed period XX to 5 years when the car or equipment becomes yours when you have paid the final instalment due under the agreement.

Loan: A simple personal loan from a bank or finance company enables you to purchase or XX equipment whereby you borrow the money and agree to repay it together with interest over a fixed period of up to 5 years. Full ownership of the car or equipment is however yours from the date of purchase.

Leasing: This is also a very popular method of finance where a bank or finance company XX the car or equipment to you at a fixed monthly rental over a fixed period of up to XX years. The bank or finance company own the car and charge you for its use and XX end of the lease you will have the option to purchase the car or equipment for XX payment. We will work out how much it will cost you to purchase your new car or equipment, then arrange the most suitable form of finance to make your purchase possible.