Ideal Promise
- We will endeavour to explain the service that we provide.
The true cost, benefits and consequence of any product or service
you buy from us.
- We will ask a number of questions that will enable us to
fully understand your circumstances, needs and budget.
- Your personal information will always be treated in the
strictest confidence.
- We will strive to make strong relationships with product
and service providers to ensure they mirror our commitment to you.
- We will always explain paperwork to you in a way you understand
and support our advice with timely, easy to comprehend documentation.
- We will aim to ensure that you re encouraged to purchase
the right product or service to meet your short and long term needs.
- On occasions that we feel it is appropriate for us to change
a fee for our services we promise that it will be reasonable and
justifiable.
- We will always attempt to give you the best advice ~ even
if it means losing your business to a competitor.
- All of our staff will be professional and courteous to
you ~ even if they are not directly involved in your business.
- If you are unhappy with the service we provide we will
take your complaint seriously and attempt to resolve the matter
to your complete satisfaction.
Mortgage Timeline
“Ideal Financial Planning will make the process of finding
your perfect mortgage a simple one. We will then guide you through
the purchase process from offer right up to completion.”
Before you find a property
We start with a full appraisal of your situation: what you want,
what you can afford and what you can borrow, based on your income
and attitude to risk. Then we’ll find a suitable product.
Our advanced Mortgage sourcing system is updated daily, so our advisers
always know the latest deals from the biggest, most reputable lenders.
After you’ve found the property you want
Even if you already have a mortgage offer, we will check the market
to ensure it is still the most suitable.
While buying your property
We make the application to the lender and maintain contact with
them right through the process. We also liaise closely with lenders,
solicitors, surveyors and estate agents, making any interventions
necessary to avoid problems at completion.
And Beyond…
We will continue to monitor your situation and contact you after
a couple of years. The mortgage market changes constantly, as do
your circumstances. Perhaps you no longer have an issue with proving
income, for example. Whatever your situation we’ll advise
you on your best option.
Re-Mortgages
“No matter how attractive a mortgage offer looks,
it’s best not to be tied to a lender too long. If there’s
a better deal out there, we believe our customers are entitled to
it.”
Let’s say your initial mortgage benefit period comes to an
end and suddenly an extra £400 is exiting your account every
month. What should you do?
At Ideal Financial Planning Limited we believe re-mortgaging means
more than finding a better rate. It means considering your next
few years and assessing the best course of action.
For example, why move to a lower monthly rate if the penalty incurred
takes years to repay based on the amounts saved each month. Especially
if you’re planning to move again shortly.
We analyse the total cost of re-mortgaging: how long it takes to
recover the cost and which mortgage deal provides the best option
overall. Sometimes that means doing nothing.
Our advisers will inform you of any new schemes we feel may benefit
you during the lifetime of your mortgage.
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Capital Release
Re-mortgaging can also raise capital for investment or business
purposes.
Financial Planning
Financial freedom is one of the greatest gifts you can
give to yourself and your family. With a little wise planning now,
your financial future can be secured, leaving you to sit back and
enjoy your life free from the worry of uncertainty.
You probably already have goals for your future in mind –
to be comfortable, perhaps, or to help your children and grandchildren.
But in monetary terms, what does comfortable really mean? How much
money will you actually need?
We will help you define exactly what you require to make your financial
goals a reality and then help you achieve them through careful planning
and investment.
Working out what you need is just one step towards your goal. You
will also need to decide how you are going to get there, and the
huge choice of financial products on the market can seem overwhelming
without guidance. Our unbiased financial planners are here to advise
and recommend products based on a mutual understanding of your present
financial health, your goals, and the level of risk acceptable to
you.
The benefits of starting now
According to research by the Institute of Financial Planning, people
who save or invest small amounts of money early and often tend to
do better than those who wait until later in life. The right advice
can help you make the most of your income, savings, or investments,
so you can start being better off almost immediately.
Mortgage Protection
“Sometimes unfortunate or unexpected events happen.
They’re part of life. We can’t pretend otherwise and
nor should you.”
At Ideal Finacial Planning Limited we take your future seriously.
Unfortunately, for some people an illness or fatality may be part
of that future. That’s why insurance is vital to everyone’s
financial planning.
We can arrange all the necessary protections for your mortgage:
Life Cover
Critical Illness Cover
Payment Protection
Buildings and Contents Insurance
Based on your requirements, our advisers will present you with the
right protection for your mortgage and your family.
We will only present options that fit your current circumstances
– whether you have children, for example, or you are dependent
on one income. We’ll make the suggestions. The rest is up
to you.
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