We are Independent ‘whole of market’ financial advisors with our Head Office based in Oxfordshire. We have a wide geographical spread of both financial advisors and will writers. Whether you are looking for a mortgage, pension, investment, personal or general insurance, our fully qualified and regulated advisors can find a product best suited to your needs.
Our friendly and personal service will make the, sometimes difficult, process run as smoothly as possible for you. From our first discussion to completion, our aim is to provide you with excellent, personal customer service and to forge a long lasting relationship.
No matter where you are based, we can provide you with the kind of service that you would expect to receive from your professional advisor.
Appointments can be conducted by phone, in our office or at your home or workplace at a time that best suits you.
If you wish to make an appointment or simply want some further information, please do not hesitate to contact us on 01865 959099 or fill in your details on the Contact Us page where one of our advisors will return your query within 24 hours.
Getting advice from your bank or building society is usually not the best course of action, as generally they only have access to their own products. This may mean that they are not able to arrange the most suitable mortgage for you which meets your needs.
There are hundreds of mortgage products from over fifty mortgage lenders, so it makes sense to use an independent mortgage broker, who has access to all of them!
Whether you are a first-time buyer, moving home, re-mortgaging, looking for a buy to let, self- build or commercial mortgage, as ‘whole of market’ advisors, we can provide the mortgage best suited to you.
Our specialist mortgage knowledge and advice will help you buy your first home, move house, re-mortgage, or build your property portfolio as a buy to let landlord.
We are very proud of the service that we provide and do our utmost to ensure that your mortgage is arranged as efficiently, professionally and swiftly as possible.
Your Home may be repossessed if you do not keep up repayments on your mortgage
Commercial and certain Buy to Let Mortgages are not regulated by the Financial Conduct Authority
Everybody needs insurance cover against the little pitfalls in life - what do you need covered?
· Why do I need insurance? - If you die or are off work long term, you still need to be able to pay all your bills, provide for your family and possibly care for yourself.
· What type of insurance do I need? – Whilst life insurance will pay out if you die it won’t cover you if you are off long term sick. If you have children you can put cover in place that will cover schooling, clothing, etc if you are not there any more.
· How much does it cost? – The younger you are the less it costs. This also depends on factors such as occupation, hobbies, whether you smoke, etc.
· Will my premiums increase as I get older? – If you have “guaranteed” protection cover your payments will remain the same unless you increase the cover yourself. Other cover such as reviewable or age-related premiums will increase throughout the term.
· Look at what insurances you have in place already – Many employers will offer life insurance though a pension scheme, health insurance and income protection cover.
As financial advisors we can assess all your protection needs, help you prioritise them, give you advice on what you may have in place already, plus what you have not considered and advise accordingly.
Equity release allows you to release cash from your property without the upheaval or expense of moving home. To be eligible for one of these plans, you need to be a UK homeowner aged 55-95. The money you release can be spent in any way you like and, what's more, there are typically no monthly repayments to make. And there’s no need to worry about the longer term: you can stay in your home for life, or until you decide you want (or need) to move.
What types of equity release plans are available?
There are many equity release plans on the market, so it’s vitally important to seek independent, expert advice from a company that will compare the whole market to find the right deal for your circumstances.
There are two main types of equity release plan:
With a lifetime mortgage, you take out a loan, secured on your property, and receive that amount as a tax-free lump sum. You do not usually make monthly repayments. Instead, the interest “rolls up”, and the loan plus interest is repaid after your death, when the property is sold.
With a reversion plan, you sell all or part of your home in return for a tax-free lump sum and a guaranteed lifetime lease, with no monthly repayments to meet. After your death the house is sold, so the lender gets back its percentage share.
Save money with a drawdown plan
If you are considering releasing the cash out of your home, you might want to consider taking out a plan with a drawdown facility. This flexible type of equity release plan allows you to “draw down” the funds over a period of time, as and when you need it.
What else should I know?
Thousands of homeowners have already unlocked the cash tied up in their homes to give themselves a much-needed cash boost. However, it’s important to remember that taking out any kind of equity release plan may reduce the value of your estate. It might also affect your entitlement to state benefits.
Is there anything else to consider?
Many equity release providers are members of the Equity Release Council, which has a Code of Conduct to help ensure your financial safety. If you’re considering taking out an equity release plan it’s worth seeking out plans approved by the ERC.
Equity Release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits
We provide full Estate Planning and Will Writing Service.
From a single will to Powers of Attorney we will discuss your wishes and intentions and make sure that they are set in stone. We will help you put the relevant plans in place to ensure that your estate is left to your loved ones. If you are not sure what provisions you need we can review your current arrangements and help you with this.
We will provide a tailor-made service to ensure that your wishes are carried out in the event of something happening to you. Of course, your lifestyle may change as time goes by (e.g. birth, marriage, divorce or maybe even a lottery win!) in these events your will needs amending, we can help implement these changes for you.
It’s never too early to think about your Estate Planning needs so contact us now to arrange an appointment.
· Who will look after my children? - this is something that will need to be discussed and agreed and it is best to put this in your will for both your children’s security and your own peace of mind.
· Is it complicated? – although there is quite a bit of legal jargon in a will we will explain this fully in a clear, easy to understand way.
· Will it take a long time? – our initial consultation will take approximately one hour depending on your circumstances, which we can do in the comfort of your home at a time to suit you best. Any subsequent meetings to amend or confirm the will should take no more than 30 minutes.
Will writing is not authorised by the Financial Conduct Authority.
Vanmark Financial Services is a trading style of Mark Taylor who is an Authorised Representative of the New Leaf Will Writers Federation