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Borrowing Advice

Mortgage

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.

Since 2007 the Credit Crunch has had an effect on the number of mortgage providers available in the UK and has caused some providers to withdraw from the market altogether. There are still a significant number of lenders to choose from, and we will search from a comprehensive range of mortgages from across the market to help you find an appropriate mortgage for your needs.

Talk to our expert

Avidan Last

Head of Fusion Financial
+44 (0) 203 841 7010
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“We like to build lasting relationships to ensure we understand where you are and your financial ambitions, to build a life-long plan that provides financial security and peace of mind”

We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move home.

Based on the information you provide in your meeting with our adviser (it is essential that you provide truthful and up to date information), we will review the mortgage lenders available, some of which offer exclusive products to brokers such as ourselves, to determine which lender will offer you the most attractive mortgage options suited to your particular requirements.

Equity release – unlock money from your home for a more comfortable retirement

Equity release is typically available to people who are over the age of 55 and have their own home with a significant amount of equity, but don’t have enough money or income for their needs. By releasing equity in the form of a lifetime mortgage or home reversion plan, it enables the individual(s) to remain in their home and raise money for things such as:

  • to generate a capital lump sum
  • to provide an additional income
  • to provide lifetime gifts to relatives
  • for home improvements
  • for holiday home purchase
  • to fund long term care

Where equity release is a suitable solution and you take out a lifetime mortgage or home reversion plan, the money does not usually need to be paid back or the home sold until the last remaining borrower dies or moves into care, although this may not be the case, for example if you make repayments to preserve as much of the inheritable estate as possible.

Is equity release right for me?

Whilst there are benefits for people in this situation, equity release isn’t for everyone and the benefits need to be weighed up alongside drawbacks, such as equity release can:

  • be expensive
  • impact on you being able to claim certain state benefits and your personal tax position.
  • impact on local authority grants / other grants (i.e. for essential home improvements)
  • potentially erode any inheritance passed down to loved ones

Also, there may be alternative options available to you that need to be explored before taking the equity release route, such as consideration of a conventional mortgage as an alternative, moving to a smaller home, using any savings or investments and potentially selling the home and moving into rented accommodation or living with children or other relatives.

Don’t worry as we can help you understand all the features and drawbacks so you can make a fully informed decision.

Expert financial advice on what is right for you

As financial advisers with the required equity release qualification and training, we can assess your individual circumstances and needs, and then give you expert advice on the right course of action for you. The benefits need to outweigh the drawbacks to ensure equity release is more suitable than alternative methods of raising funds.

It’s often said that you can’t buy peace of mind; however that’s exactly what our financial service does, as you can rest assured knowing you have the right solution for you.

It is advised that customers seek independent legal advice before entering into a legally binding equity release contract.

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Other Financial Services

1

Pensions. Retire your way.

Tell us your goals for the future and we’ll make sure you have the right pension plan in place. A plan that can flex and develop as your needs change. Whether you want to dip into your pension pot early, reinvest or choose an annuity - we can help you weigh up all the options. Got multiple pensions? We can help consolidate them. Occupational retirement scheme? We’ll help you get the best return.

Savings and Investments. Building your future.

Whatever your stage of life, we’ll make your money work harder. From maximising your tax-free savings with an ISA to revealing attractive tax concessions with Enterprise Investment Schemes, Seed Enterprise Investment Schemes and Venture Capital Trusts. We’ll help you create an investment plan that not only helps you achieve your goals but opens up new opportunities too.
3

Personal protection. Your safety net.

Life is anything but predictable. That’s why it’s important you always have a safety net. From PMI to life cover, critical illness and income protection, we’ll help you put the right protection policies in place, to ensure that you and your loved ones are looked after.
4

Business protection. Protect your key people.

You depend on your key people to operate your business. From PMI to life cover and critical illness protection. Make sure that if the worst does happen, your business is not financially affected, and your employees are looked after.
5

Estate planning. Preserve your wealth.

Get peace of mind and leave your loved ones looked after. We’ll help you get your affairs in order. From Wills, trusts and lasting powers of attorney to Business Property Relief and whole-of-life policies. We can help minimise your tax liabilities and make sure your wealth gets passed on smoothly and tax-efficiently.
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Borrowing. Get the best solution.

Whether you’re buying a home, a buy to let, or you want to raise cash from your property - we’ll help you find the best solution to achieve your long-term goals.

360° Advisory

When we work together, you achieve more.

Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.

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360° Advisory

When we work together, you achieve more.

Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.

360° Advisory

When we work together, you achieve more.

Get all the expertise you need – all in one place. Instead of spending your time piecing together siloed advice from a range of advisors, you can put our end-to-end solutions into action and start getting results. Are you ready to reveal new opportunities together? Let’s talk.

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