About Us

We provide advice and consultancy services to employers who are looking to provide a pension scheme for staff. We help businesses to design, implement and manage employee benefit packages for staff. Over the past few years many forms of insurance policies have become more competitively priced, especially life insurance. If you have a life policy which is several years old you may be able to change your provider for a more competitive premium, or to increase the benefit for the same monthly cost. You should seek advice before cancelling any existing policies and ensure continuity of cover when making new arrangements.

Mortgages

When it comes to buying a home, some lenders can take on a rather sanctimonious attitude. They want to deal only with those who have faultless credit histories, perfect work records and adequate deposits. But money problems can affect everyone. Adverse credit problems can be linked to a loan default, county court judgements or being a discharged bankrupt. Sometimes people get into debt through no fault of their own and, even if they have been to blame, want to sort things out. Certainly no-one taking out a mortgage wants to see their property repossessed. While the lenders clearly want to keep some degree of separation between their standard and adverse credit divisions, the deals they are offering are less punitive than in the past. Most lenders will also cut the interest rate if borrowers keep up a good payment record. And, after three years, it may be possible to switch to a standard loan. Your application will be thoroughly vetted and the interest set according to the risk the lender believes you pose. You may also be subject to early repayment charges, but these should cease to apply after three years.

Insurance

Over the past few years many forms of insurance policies have become more competitively priced, especially life insurance