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Financial Planning


Financial Planning

The Mortgage Factory’s expert financial planners work with our clients who want a little bit more than a financial transaction. With our financial planning service we work for you long-term to maximise your investments. Have you ever sat down and worked out how much money you need throughout your life and whether you are going to have enough, too little, or too much..? (Yes, some people do have too much money!)

Lifetime cash-flow forecast financial planning

We can go through all your finances and together work out a lifetime cashflow forecast based on income and expenditure and assets and liabilities, both now and what can be reasonably assumed in the future.

Tax conscious financial planning

Once we have done that we can work out your likely tax position over the years with regard to income tax, capital gains taxes and inheritance tax; and work out the best strategy for your retirement and succession plan.

Investment reviews

We have pension and investment experts who can review any existing funds you hold, to see if they can be improved and help you maximise all the options available to you to grow your money and save on tax. Using products such as pensions, ISAS and investment bonds.

Other examples of things we can help you out with;

– Investing spare money at the end of the financial year

-Saving for your and your children’s future

-Looking for an exit strategy from your business or buy to let portfolio

-Acting as a personal representative for a deceased relative with a need to invest money for a beneficiary.

For proper financial planning from an expert, get in touch today.

The value of pension and investments can fall as well as rise. You may get back less than you invested.

Tax planning is not regulated by the FCA.

No fee for Life Assurance, Critical Illness, Income Protection, Accident Sickness & Unemployment, Home Insurance, and Private Medical Insurance. We will be paid by commission from the company.

A fee of £495.00 £995.00 payable on completion. We will also be paid by commission from the lender. A fee of £250.00 will be payable if you decide not to proceed after the lender has made an official offer.

The Mortgage Factory is a trading name of Mortgage Factory UK Ltd , which is an appointed representative of Intrinsic Mortgage Planning Limited and Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority (see the FCA register at www.fca.gov.uk/register/, references 440718 and 440703). Your home may be repossessed if you do not keep up repayments on your mortgage.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.