The answers given are based on the online's experience of the mortgage market and would correctly apply in the majority of cases.

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1) Questions about Mortgages
Must I clear my loan by a certain age?
What is "buy to let"?
What is a flexible mortgage?
Who is likely to benefit from a flexible mortgage?
Why do the best discount deals vanish so quickly?
Do County Court Judgements always disqualify me?
Should I rule out mortgages with redemption penalties?
How are redemption penalties calculated?
How do I repay capital with an interest-only loan?
Do I always need life insurance?
How often do lenders adjust my interest bill?
What is MIG and will I have to pay it?
What other costs might I incur in taking out a mortgage?
What is the difference between a Standard Variable Rate (SVR) and a tracker rate?
What is a CAT standard mortgage?
What is APR?
What is a Divorcee Mortgage?

2) Questions About
What are exclusives?
How do I know has received my application?
Can help me find buildings insurance?
What is compulsory insurance?
How do I correct an error in my application?
Which outgoings should I include on my application?
What proof do you need of my identity and income?
How do I know the data I enter on the site is secure?
Why should I trust the service and site?
How do I keep track of my mortgage application?
What are the benefits of using an independent broker site like ?
Does offer advice on which is the best mortgage for me?

Must I clear my loan by a certain age?

A mortgage is usually designed to finish no later than the borrower's normal retirement age. That age is taken as 65 for employed people (male and female) and 70 for the self-employed. Some lenders will consider a longer term providing the borrower has enough income after retirement.

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What is “buy to let”?

Buy-to-let deals are specialist mortgages designed for people who want to purchase a property in order to rent it out to tenants.

Buy-to-let is becoming an increasingly popular investment method. Properties provide income for the investor from the tenant's rental payments and growth from any increase in the property's value.

Or if you’re thinking of buying an investment property, click here to use our buy to let mortgage wizard.

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What is a flexible mortgage?

Many people talk about “flexible” mortgages without being 100% sure what they are referring to – no wonder, it’s not immediately obvious what is meant. A truly flexible mortgage should have all of the following 5 characteristics:

Interest is calculated at least monthly, preferably daily

Overpayments are allowed penalty free (either unlimited or up to a stated maximum percentage of the mortgage)

You can take payment holidays

You can make underpayments

You can draw down any unused facility

Even mortgages marketed as “fully flexible” often have different features. For example, some flexible mortgages may allow a draw down of extra funds, a payment holiday or underpayments from day one of the mortgage. Others will only make funds available for these options from overpayments already made, or will require the mortgage to be satisfactorily conducted for a specified period, say 6 months, before some or all of these options become available. The most common requirement people have is simply the ability to make penalty free overpayments. If this is the only flexible feature you want, a penalty free mortgage will be just as suitable as a flexible mortgage and so you should consider both options.

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Who is likely to benefit from a flexible mortgage?

You might find a flexible mortgage beneficial if you fall into any of the following categories:

Self employed people with have erratic income or irregular (large) payments of varying amounts

Employed people whose bonus or commission payments compared to their basic salary

Self employed people who pay an extra monthly amount into their mortgage, then pay their 6 monthly tax out of their mortgage (an advantageous method as the money put aside reduces the mortgage interest in the meantime).

Working couples who currently have surplus cash, but are planning to start a family and want to be able to reduce payments at that time, when their income decreases

Those who can afford to overpay their mortgage now but intend in the future to take a “sabbatical” or unpaid leave for a significant period of time, e.g. to do a study course or travel round the world

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Why do the best discount deals vanish so quickly?

When a lender offers a special mortgage, it allocates only a certain total of money to be lent on that particular product. With market leading deals, this allocation may be “used” up very quickly.

In this instance, lenders generally raise further funds to cover the demand. By the time they have raised the funds, economic or competitive circumstances may have changed to the extent that it is no longer possible or valuable to them to offer the original product. They may release a new special offer or product (which would then appear “different” on our site). Or they may choose to use these funds elsewhere, in which case you won’t see the product again.

In some cases they may withdraw the product in between the time that you apply online and your application is finally submitted, e.g. overnight. In these instances we will endeavour to match you to a similar product which is just as suitable.

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Do County Court Judgements always disqualify me?

If a County Court rules against you for defaulting on a debt, that ruling is listed on your credit record. Having such a judgement listed against you may mean it is difficult to obtain a mortgage through most lenders. However there are an increasing number of specialist lenders who will lend to people with a CCJ or other credit problems. carries a number of products which cater for those whose lending circumstances are unusual or difficult.

Alternatively, if you don’t find products that suit you, you can contact , and their team of independent financial advisers, who will scour the market to find products that are suitable for your circumstances.

You can call direct on

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Should I rule out mortgages with redemption penalties?

Most cashback, fixed and capped rate mortgages, and also many discount mortgages, have redemption penalties. With fixed, capped and discount mortgages these penalties will usually last at least as long as the special rate but quite often they also apply after the special rate has finished. Mortgages with penalties extending beyond the special period are said to have a “redemption tail" or “tie in beyond the special rate”. On cashback mortgages, redemption penalties will typically last for 5 or 6 years.

As a general rule, the cheapest initial interest rates will be available on mortgages with a redemption tail. This is because a lender can subsidise the rate if it is tying you in to paying a higher variable rate after the initial special rate. Likewise mortgages with redemption penalties during the special rate period will normally have a lower rate than a mortgage with no penalties.

However, because the mortgage market is so competitive there can often be exceptions to this rule, in particular with discount mortgages and on shorter term deals of 2 to 3 years.

The mortgage comparison tools within our Mortgage Wizard will help you assess the different options by showing you the total costs for each product over time (including any redemption for early termination).

For most people it is best to avoid a mortgage with a “redemption tail". This allows you to keep your options open at the end of the special rate period to look for another deal without incurring what may be a very expensive penalty – it can be as much as 5% of the mortgage loan.

Our Mortgage Wizards give you the option of narrowing your search to exclude mortgages that have a redemption "tail". They also allow you to limit your search even further to mortgages that have no redemption penalties.

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How are redemption penalties calculated?

Redemption penalties can be calculated in several different ways. The penalty will be based on the amount of the mortgage redeemed and will usually either be a percentage of the amount redeemed or a number of months interest. If the latter approach is adopted by the lender, the rate of interest used in the calculation may be based on the lender's Standard Variable Rate (SVR) or the actual fixed/capped/discount rate being paid, or the higher of the two. Sometimes the penalty remains the same during the whole period of the special rate; for other mortgages it decreases over the special rate period.

However, there are some mortgages, usually discount mortgages, where the penalty actually increases during the special rate period.

It is worth bearing in mind that most lenders will allow you to move your mortgage with you to a new home without incurring a redemption penalty (commonly known as a portable facility).

Some lenders will allow you to make some penalty free repayments (beyond your normal monthly figure). These will typically be limited to around 10% per year of the outstanding mortgage or, say, 25% of the total mortgage. This part repayment flexibility is particularly useful on a fixed or capped rate mortgage, as it leaves most people with sufficient flexibility to repay some of the loan if interest rates are low, and they have some spare cash. Details of the flexibility each lender offers around such part repayments are laid out in the Mortgage Details section for each mortgage on our site.

If you use our Mortgage wizard to search for a mortgage, we’ll make it clear which penalties apply to each mortgage (if any), and how they are calculated. We’ll also show you, for the amount you wish to borrow, what the penalties will be (if any) if you repay the mortgage early over various years.

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How do I repay capital with an interest-only loan?

If you have an interest-only mortgage, your monthly payments will pay off the interest on your loan, but not the money you borrowed in the first place. You can pay off the original money you borrowed in any way you choose, but you often have to inform the lender at the start how you intend to do so. People often save in a separate plan. The proceeds from this plan go to pay off your capital when the mortgage term is complete.

The main options for saving in this way are by using an Individual Savings Account (ISA), an endowment policy or a pension.

If you need advice on capital repayment methods, we can put you in touch with an Independent Financial Adviser (IFA) from , who will discuss your circumstances with you and recommend an alternative savings method. To talk to one of ’s IFAs just call us on .

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Do I always need life insurance?

If you were unable to work for some reason e.g. if you lost your job or were unwell for a long period of time, it is crucial that you are still able to make payments on your mortgage.

Because of this many lenders insist you buy life cover (also referred to as “term assurance” or “life insurance”) when you take out your mortgage. You may also want to consider taking out critical illness cover, which would pay off your mortgage if you suffer an illness which would affect your earning power, such as a stroke or cancer. offers an online life insurance facility, which gives you an immediate online quote.

Alternatively, you may want to take independent financial advice about the best life insurance or critical illness cover for you. If you’d like to speak with one of ’s independent financial advisers just call us on .

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How often do lenders adjust my interest bill?

Historically most lenders have calculated interest annually. This means that the interest you pay during a year is based on the amount of the loan that was outstanding at the beginning of that year. However, most lenders will make an adjustment if you repay a lump sum during the year (subject to a minimum payment of £250 - £1,000; this minimum does vary by lender).

Using an annual interest calculation is a potential issue for repayment mortgages because you don’t receive the benefit of lower interest costs for the repayments of the capital you make during the year. In practice, for the early years of a standard term repayment mortgage (25 years), it doesn’t make much difference because you are repaying very little of the capital.

Conversely, for shorter term repayment mortgages (e.g., 10 years), and towards the end of longer term repayment mortgages, there can be significant disadvantage to you from the annual calculations. This is because the proportion of the monthly payments which represent repayment of capital increase as the mortgage term gets shorter.

For interest only mortgages - which include endowment, ISA and pension linked mortgages - it generally makes little or no difference whether interest is calculated daily, monthly or annually.

Many of the newer lenders, and increasingly the traditional lenders, calculate interest daily or monthly. To make matters more complicated some lenders charge annual interest on some mortgages and daily or monthly interest on others. The difference between monthly and daily calculations is usually small and is likely to be much less important than other differences between mortgages.

However, you need to bear in mind that some of the best interest rates are available from lenders that only offer annual interest calculations (often because they have been unable as yet to change their computer systems to allow daily or monthly calculations). The differences in the interest rate and other aspects of the deal will often outweigh differences between interest rate calculations.

If you use our Mortgage wizard to search for a mortgage, we’ll make it clear how interest is calculated on each particular mortgage. We’ll also show you how different mortgages compare, taking account of the different interest rate calculations used, and other differences between mortgages (such as special interest rates, cashbacks and so on) – allowing you to make a full and informed comparison between mortgages.

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What is MIG and will I have to pay it?

MIG stands for Mortgage Indemnity Guarantee insurance. Although this is the term most commonly used, different lenders use different names to describe it. It is a one-off premium paid by the lender to an insurance company on high Loan To Value (LTV) mortgages so that in the event of the property being repossessed and sold at a loss, they can recoup any losses they incur from the insurance company.

This premium is sometimes passed on to the borrower, either by adding it to the mortgage or by requiring the borrower to pay it on completion or over a specified period: usually 12 months or by the end of the lender’s financial year.

The majority of lenders only charge MIG to borrowers where the mortgage is over 90% of the value of the property (LTV of 90%). However, there are a lot of variations on this, with some lenders not charging it at all, even on 100% loans, and others charging it on over 70% of the value of the property. Also, some lenders who would normally charge MIG have special mortgage deals on which they do not charge it.

When MIG is charged, most lenders charge it by reference to both the actual LTV and the amount they are lending in excess of 75% of the property value. For example, a lender may make no MIG charge on a 90% loan but if you borrow 90.1% MIG will be charged on 15.1% of the property value (90.1% minus 75% = 15.1%). Thus a small additional amount of borrowing over 90% can become very expensive.

Whilst it is sometimes worth paying MIG because the rest of the deal is so good, in general you will get better value from mortgages that do not charge MIG. As an example a 100% mortgage from a lender who charges MIG will typically include a MIG cost of 3% of the mortgage amount, i.e. £3,000 on a £100,000 mortgage! Similarly, the typical charge for MIG on a 95% mortgage is about 1.5% of the loan value. Furthermore, some of the most competitive interest rates on 100% mortgages are usually from lenders who do not charge MIG.

Illustrations on our site will always show you if MIG is charged and if so how much it will be.

However, if the surveyor values your property at less than the asking price, watch out for one potential trap. The lender bases its calculations on whether MIG is payable on the lower of the purchase price and the mortgage valuation. If the valuation comes out at less than the purchase price (or your estimate of value if it is a remortgage), a small reduction in value (as determined by the surveyor) may mean that your mortgage is pushed over the threshold at which MIG is charged. In these circumstances you should try to renegotiate the purchase price down to the valuation. If you can’t do this, but still want to proceed with the purchase, another route to consider is to reduce your borrowing to keep it below the MIG threshold (if you can afford to increase the deposit). Alternatively you may want to search our site for another mortgage that will allow you to avoid MIG. In most cases, valuations can be used for a different lender, very often without any additional fee being payable.

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What other costs might I incur in taking out a mortgage?

The costs related to taking out a mortgage will be clearly shown on your personal illustration after you have entered your details in our Mortgage Wizard. These costs exclude legal costs, but we can provide an estimate of legal costs for you (which tend to vary in line with the cost of the purchase). Generally, the other costs you will, or may, have to pay are:

Valuation fee (payable on application)

Booking fee (payable on application)

Arrangement fee (usually added to the mortgage or payable on completion)

Legal costs, including stamp duty (a Government tax) on the purchase of properties over £60,000, land registry fees and various search fees

MIG (if applicable)

Term assurance (recommended, but not always compulsory)

Accident Sickness and Unemployment insurance (recommended, but not compulsory)

Buildings insurance (either from the lender or a third party – many lenders charge a small fee if you go elsewhere)

Contents insurance (recommended, but not compulsory Some mortgages offer a free valuation, or a refund of the valuation fee on or after completion. Most fixed or capped rate mortgages have a booking and/or arrangement fee (charged by the lender). Some discount and cashback mortgages have fees, but by no means all.

For some Re-Mortgages, legal costs are paid by the lender and on some purchases the lender makes a contribution towards legal costs. Some mortgages give a cashback of, say 0.5% – 1%, which can be used to pay some of the house buying costs, although the cashback is not specifically earmarked for this purpose.

Whilst it is obviously helpful to have some or all costs paid by a lender you will sometimes find that offers which include no or low fees have a higher interest rate than another mortgage on which you have to pay all the costs. The costs of setting up a mortgage are more important on a small mortgage, whereas the interest rate is more important on a larger mortgage. For a small mortgage on a valuable property a free valuation is particularly beneficial.

You should always look at the total mortgage package and not just focus on costs or just on the interest rate. Once you have used our Mortgage Wizards to narrow your product selection, our site gives you a variety of tools to compare all the costs of the different products on a like for like basis.

Bear in mind that on the purchase of properties over £60,000 the biggest single cost will normally be the stamp duty.

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What is the difference between a Standard Variable Rate (SVR) and a tracker rate?

Each lender decides what SVR they will charge. Although this is set taking account of interest rates generally and based on how competitive they want their SVR to be with other lenders, it is not specifically related to any other interest rate. And, although lenders normally change their SVR as a result of Bank Base Rate changes they don’t always change them by the same amount.

When Bank Base Rates dropped from 0.5% from 5.5% to 5.0% in 1999 most lenders only reduced their SVR by 0.1%. Mainly as a result of this tracker rates have become more popular and many lenders now offer at least one tracker mortgage. A tracker mortgage is simply a mortgage that tracks an independently set interest rate, usually Bank Base Rate but sometimes the LIBOR rate. (LIBOR stands for London Interbank Offered Rate and it is the rate at which banks lend to each other.)

The benefit of having a tracker mortgage is that you are guaranteed that any falls in interest rates will be passed on to you. Tracker mortgages have the theoretical disadvantage that when interest rates are rising these rises are also guaranteed to be passed on to you. However, as lenders have generally been increasing their SVRs in line with Bank Base Rates the reality is that both SVR and tracker mortgages have increased by the same amount – so a tracker mortgage with exactly the same terms and conditions as an SVR mortgage is likely to be a better bet.

Most Base rate tracker mortgages reflect any change in Base Rate from the beginning of the month after the Base Rate has changed.

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What is a CAT standard mortgage?

CAT stands for Charges, Access and Terms. The Government announced in April 2000 minimum standards for a mortgage to meet in order to qualify as a CAT mortgage. Although most of the specific requirements for a CAT standard mortgage are desirable in isolation they will not all be important for most people. Because a CAT mortgage has to meet every single specified condition, most CAT mortgages may often be uncompetitive compared with other similar mortgages from the same or different lenders. Furthermore, many lenders are currently unable to offer CAT mortgages because one requirement is that interest must be calculated daily and their computer systems can not cope with daily interest calculations.

Some of the main requirements a CAT mortgage has to meet are:

Interest must be calculated daily

The mortgage must be available to the lender’s existing borrowers

The minimum loan size, if one is specified, can not be more than £10,000

The maximum booking/arrangement/completion fee that can be charged on a fixed or capped rate mortgage is £150

No such fees can be charged on a discount/variable or cashback mortgage

The maximum redemption penalty that can be charged on a fixed or capped rate mortgage is 1% for each year of the remaining fixed/capped period and this maximum reduces monthly

Discount/variable and cashback mortgages cannot have any redemption penalties

The maximum interest rate that can be charged on a variable rate mortgage is 2% over Bank Base Rate

Borrowers must be able to choose any day of the month up to the 28th to make their repayments

Broker fees cannot be charged. ( does not charge broker fees on any mortgage.)

identifies CAT standard mortgages in the Mortgage Details section of each mortgage. However, because the Government has not put any specific system in place to check lenders’ claims that a mortgage meets the CAT standard we will check that in our opinion all such claims are correct before we note that the mortgage meets the CAT standards.

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What is APR?

APR stands for Annualised Percentage Rate. A lender is always required to quote the APR when advertising a loan or borrowing rate.

The lender will usually quote the headline rate and the APR next to it. The headline rate states the rate of interest you pay per month or per year on the mortgage, while the APR calculates the total amount of interest that will be paid over the entire period of the loan. It should also take into account any charges which the borrower has to pay during the loan period.

The Office of Fair Trading has the following to say about APR:
“Simply knowing the amount of the credit charges is not usually enough for a borrower to compare one credit deal with another. The time at which the credit and charges have to be repaid affects the rate of the charges being made and how valuable or costly the deal is to the borrower. Lenders use a number of different ways of charging interest and these can treat the time of payment in different ways. So, in addition to leaving out other charges, lenders’ interest rates will not generally provide a useful comparison.” Instead, the Total Charge for Credit Regulations set down how to calculate an annual percentage rate of charge (APR), which expresses the Total Charge for Credit as a standard measure borrowers can use to compare the credit charges under one deal with another, whatever rate or method of charging is used.

The OFT adds:
“It is important to understand that APR is not the only thing the borrower needs to consider when choosing credit. For example, the deal with a lower APR might require monthly payments the borrower cannot afford, or run for much longer than the borrower wants or than the goods bought with the credit are likely to last, or the goods might be cheaper from another store, making that a better deal even though the credit charges are higher. However, APR is the only standard measure which allows the borrower to compare the charges being made for the credit provided.”

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What is a Divorcee Mortgage?

A Divorcee Mortgage is a new and innovative exclusive product from , designed to cater for the needs of divorcees who depend on their former spouse for income.

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What are exclusives?

is one of the UK’s leading independent mortgage advisers. As the leading adviser on mortgages in the country, ’s expertise and market position enables us to offer special low mortgage rates from the mainstream lenders. We often have best buys or exclusive products which aren’t available directly from the lender or from other brokers. This is one of the advantages of using a broker to find a mortgage rather than going directly to your lender.

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How do I know has received my application?

When your application reaches us, you will immediately get an email message back telling you that your application has been successfully sent to our Customer Service Advisers.

If you do not receive this e-mail, we may not have received your application, but please contact us before you submit it again by calling .

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Can help me find buildings insurance?

You will almost always need to arrange buildings insurance as part of taking out your mortgage. The lender will often offer you their own policy, or you can shop around for the best deal from other insurers. offers an online home and contents quotation service (obligation-free) where you can get an independent quote. Click here to use our online service.

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What is “compulsory insurance”?

Compulsory insurance is where the lender insists that you buy their own house and contents cover as part of the mortgage deal. The DTI (Department of Trade and Industry), amongst others, has criticised lenders for making compulsory insurance a condition of a mortgage offer.

As a result, some lenders have stopped this practice but others have got round it by quoting two interest rates; a headline rate if you take their insurance and a dearer rate (usually about 0.25% higher) if you don’t.

will always tell you if the lender you are considering insists you buy buildings and contents insurance from them (and you can exclude such “compulsory” products if you wish when you use our Mortgage Wizards to find a mortgage).

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How do I correct an error in my application?

If you discover that you have accidentally entered the wrong details in your application, and this is just a typing error or a spelling mistake, don't worry. Just let us know by emailing us at info@nicholas-hall.com and we will correct your application and send it back to you to be initialed where the correction has been made.

We must have your authorisation in pen to satisfy the lender, so we have to do this via normal mail rather than email. We’ll include a reply-paid envelope so that you can return your application to us.

Any other more serious errors you might have made should be picked up by our online system, before you make your application, or will be discovered by our Customer Service team when they check your application. If you realise you’ve made a mistake contact us straight away and we’ll endeavour to correct it. Email us at info@nicholas-hall.com or call us on .

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Which outgoings should I include on my application?

You don’t need to include day-to-day spending such as food and utility bills in the "monthly outgoings" section of your application. You need only include loans which have more than 6 months left before they are paid off and loans which are secured on your property. Household bills, such as electricity, gas and groceries need not be included.

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What proof do you need of my identity and income?

A full list of the supporting documentation required by the lender you choose will be included with the personal "Welcome" e-mail you receive from your Customer Service Adviser. Every lender's requirements are different (and even vary by product and circumstance of the loan).

Typically, the documents you might need to provide include: three months' of payslips; bank statements; proof of identity; proof of address; proof of deposit; existing mortgage statement (if applicable) and business accounts if you are self-employed.

We will ask you to send us the original documents (the lender requires that we verify that we have seen the originals), which we will copy and return by recorded delivery post. We aim to get your documents back in the post to you the day after we receive them, so you should not be without the originals for more than a few days.

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How do I know the data I enter on the site is secure?

The passing of your confidential information to the web site is encrypted using secure sockets, which means only our own servers can read the material as it goes across the internet. The site is encrypted over a 128-bit SSL connection and is guaranteed using a Verisign certificate.

The gold BT Verisign padlock will appear on your screen when you enter the secure pages of our application – the only time your confidential information is transmitted online. Or if you have an older browser version, you can review our site security under your security settings, accessed from the File menu.

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Why should I trust the service and site?

It’s a big decision, applying for a mortgage (or anything) online. It’s important to be confident of the security of both the site and the company you are dealing with.

is one of the UK's leading mortgage advisers.

To find out more about and the service we offer, click here.

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How do I keep track of my mortgage application?

Unlike some other online mortgage services who sub-contract the administration of their mortgage applications to another company, we handle every application we receive within our own team. As soon as we receive your application from the site, we assign a dedicated Customer Services Adviser to your case, who is backed up by a “buddy” in case they are ill or away. That means you always be able to talk to someone who is familiar with your case. You’ll have their work contact details – phone and email – to get in touch when you need to.

Your Customer Service Adviser will follow your application through from start to finish and tackle any problems which arise on the way. They’ll contact you by email or phone to let you know of progress and whether they need more information from you. And you can always get in touch with a member of our help team by calling us on or email info@nicholas-hall.com

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What are the benefits of using an independent broker site like ?

You probably wouldn’t expect us to be impartial, but we think it is worth bearing in mind that coming to a broker site like allows you to search the whole market.

We regularly review this list to make sure it still includes the top players and products. We remove those that are less good value, and ensure that we have all the new market entrants. We aim to have all the market leading lenders on the site, so that you can compare the High St names with some of the more specialist lenders

You could use our site to find the right mortgage, and then apply directly to the lender. However, this won’t normally save you money - we get paid by the lender, but this doesn’t mean you can get the mortgage more cheaply by going direct. In fact, we save the lenders the money they would otherwise have to spend on marketing and processing, so it could be cheaper through us!

And, many of our mortgage exclusives are not available directly from the lender.

Our aim is to provide you with top quality service from a dedicated customer service team and we have worked hard to speed up the application process. We believe you will find it a more rewarding (and less stressful!) experience to let us help you through the mortgage and home buying maze. To find out more about and the service we offer, click here.

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Does offer advice on which is the best mortgage for me?

Our team is ready and able to help with any queries you may have about how to use our site, and how to apply. And, after you’ve applied, a member of our Customer Service team will handle your application, and help you through the mortgage process.

But, if you would like advice on your mortgage decision, we can arrange for you to meet with a fully qualified independent financial adviser from .

The adviser will talk through your entire mortgage needs and any other relevant financial circumstances before making a recommendation on the best mortgage for you.

These consultations can be carried out face-to-face or over the telephone. The difference between choosing your mortgage yourself, through , and taking advice is that you won’t pay a broker fee online. However, because of their training, expertise and access to exclusive products, an Independent Financial Advisers will charge a fee (of up to 1%). But when you consider the peace of mind that this advice brings – you may feel that you’d prefer to take a second opinion.

To arrange for a consultation with a adviser, just click here to have one of our team call you back. We can arrange an appointment for you over the phone.

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