Welcome
Over 15 years experience offering practical advice on the most suitable mortgage, protection and investment strategy tailored to your requirements. We highlight the advantages and disadvantges of each option ensuring a confident informed decision is made on the best course of action:
REQUEST AN ILLUSTRATION OUTLINING YOUR REQUIREMENTS AND WE'LL SEND OUR RECOMMENDATION HIGHLIGHTING CURRENT DISCOUNTS AND INCENTIVES: info@heathcotefinancial.com
Plan a secure retirement using Pensions, Investments and Property: just consider, men at 65 can expect to live another 17.2 years and women 19.9 years (source: Office National Statistics). Are you making sufficient provision?
Do you spread your investments using a range of assets and tax efficient vehicles: Bonds, Open Ended Investment Contracts/ Unit Trusts, Property, Ethical funds, Sharia Compliant Investment Funds, Fixed Interest funds, Gilts, Corporate Bonds, Equities. Use our call back service to discuss latest discounts and incentives.
What about protecting your income and lifestyle in the event of sickness or accident: more than half of the 2.4 million people claiming incapacity benefit have been off work for more than five years (source: Department Work Pensions Febuary 2007). To receive a personal illustration tailored to your requirements email: info@heathcotefinancial.com
Nearly 25% of people aged 35 will suffer a disability lasting 90 days or more during their working life (source: National Association of Insurance Commissioners (USA)).
Private Medical Insurance helps ensure a speedy recovery after illness/ accident. Whole of Market recommendations.
Guidance on Employee Benefits, Key Person Insurance and Business Protection often funded by the business as a trading expense. Request a personal illustration outlining your requirements: info@heathcotefinancial.com
Less than 10% of all strokes are fatal (source American Heart Association 1998). Request a personalised illustration for serious illness cover which will help ensure your lifestyle is maintained in the unfortunate event of a claim.
Income, Capital Gains, Inheritance Tax and age allowance trap guidance.
Trusts and Estate Planning. On death, will assets be distributed as per your wishes? Receive guidance on The Laws of Intestacy and dying intestate. Request a personal illustration outlining your circumstances: info@heathcotefinancial.com
Shareholder and Cross Option Agreements for Partnerships and Limited Companies.
Commercial and Residential Mortgages, Second Homes, Let & Buy and Buy to Let
Equity Release including schemes with no early repayment penalties and portable schemes should you move home in the future. To understand the features and risks, ask for a personalised illustration
Effects of owning property as Tenants in Common compared to Joint Tenants
Wills, Probate, Trusts and dying without leaving a Will/ Laws of Intestacy
School Fees Planning using Trusts, Income and Capital gains Tax Allowance guidance.For further guidance and a personal illustration tailored to your requirements: info@heathcotefinancial.com
Comprehensive Serious Illness - covering up to 154 listed conditions on a whole of life basis or specific term
Customer agreed remuneration policy leading to reduced premiums/ charges and enhanced terms on pensions. Many of our earliest clients are still with us receiving ongoing advice and guidance.
REQUEST A QUOTE TO CONFIRM OUR LATEST DISCOUNTS AND INCENTIVES: info@HeathcoteFinancial.Com 0844 561 6660
Our aim is to recommend the most suitable solution to meet your requirements from the whole market highlighting the advantages and disadvantages of each option.
We build long term relationships with all of our clients offering continuous support and guidance though all life stages.
As we are Independent you have the option to pay a fee for the advice we provide.
