Informed Financial Advice

We have just received this lovely card from a couple of extremely happy first time buyer clients.

We offer cashflow planning as part of our service to our clients. Please see the short video for further information.
https://www.youtube.com/watch?v=pO0XxOcEz SU#action=share

We recently received great feedback for Steve Hayward on his recent 4 year anniversary with the company on LinkedIn saying:
"Congratulations to Steve, he's an asset to the company."
All the staff and client's think he's great! Keep up the good work Steve!

Congratulations to Steve Hayward, our independent mortgage adviser, who has been with Informed Financial Advice 4 years this week!

Worryingly, according to a recent FCA "Financial Lives" report, only 14% of people renting have life insurance, 3% have critical illness and only 2% have income protection. However, they can be just at much at risk as homeowners.
https://www.aviva.co.uk/…/pt15790_-_the _value_of_protection…

Some interesting ideas on how to teach children the value of money.

Do you have adequate protection in place to cover your mortgage and to protect your family? We can provide affordable quotes for life, critical illness and income protection.

Congratulations to Chris Willis, who has been busy studying recently and has now passed the CII ER1 Equity Release exam. He can now advise on all areas of financial advice, including pensions, investments, protection, inheritance tax planning, long term care and equity release.

Proud to sponsor the Spitfire from the Battle of Britain Memorial Flight and Red 1 from the RAF Red Arrows at Hastings at the weekend. It was an honour to meet Adam Collins the Red Arrows Squadron Leader. Fantastic event that was so well organised by Roger Crouch and his team.

A useful reminder to keep your home and contents safe when going on holiday. #unisure https://www.uinsure.co.uk/…/keys-to-suc cess-5-stay-protecte…

Properties are taking longer to sell, but you should always get independent whole of market financial advice when you need a mortgage.
https://www.informedfa.co.uk/meet-the-tea m/steven-hayward/

Energy Performance Certificates
Earlier this year, on 1 April, new minimum energy efficiency standards were introduced for privately rented property. These standards require landlords to achieve at least an E on the Energy Performance Certificate (EPC) ahead of agreeing any new tenancy agreement. This means that properties rated as F or G cannot be let to new tenants or even have existing tenancies extended until the rating is improved. According to data from Low Carbon Energ...y Assessors Ltd, fewer than 7% of properties are rated as F or G, but if your property is amongst those and you enter a new tenancy agreement without making the required changes, you could be fined.
https://www.informedfa.co.uk/meet-the-tea m/steven-hayward/
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Congratulations to Chris, who has passed the CII CF8 Long Term Care exam. He can now give care fees advice for our client's, including specialist care fees plans that guarantee to pay the care fees for life of privately funded residents in a care home or receiving care at home.

If you want advice on whether you are on track for a comfortable retirement, just contact us for a free no obligation meeting. We have helped many happy clients over the last 12 years ensure they have the correct income goal for their retirement.

STATE SUPPORT HAS CHANGED People often don’t know or overestimate the level of support they will get from the state. The main state benefit available to mortgage holders, Support for Mortgage Interest (SMI) has undergone some radical changes.... With SMI the government pays the interest on a mortgage but not the capital (and only for the first £200,000 of an outstanding mortgage) and the waiting period to claim this benefit is now 39 weeks.* Since April 2018, the Government has changed SMI from a benefit to a loan. This means that a person claiming will have to pay back the amount loaned on their return to work or sale of the house. SMI will also form part of Universal Credit and be subject to the ‘no earnings’ rule. This means if there are other parties to the mortgage and a spouse/partner is still working and earning, no support will be available.
https://www.gov.uk/support-for-mortgage-i nterest
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A very good guide to the State Pension.

To buy or not to buy? That is the question. Renting can work out far more expensive than buying.

Complete confidence in all staff would recommend to friends and family.