How it works:
In the past some mortgage deals carried all sorts of potential pitfalls such as an
initially low interest rate only to find that you were locked in for years after.
Much of that has disappeared from the market today and there’s a huge range of
product options for you.
Whilst choice is a good thing it does mean that you need to tailor your search according to your individual circumstances, which is where a broker can really help. For example, some of the very lowest rates on the market can carry big fees which could eat into any saving you are making. Independent advice should help you find your way through the maze.
Not sure what to ask about? Here’s some food for thought.
What are your ambitions for retirement? How might these affect the way you save and draw your pension?
Do you have any dependents? How might they affect the way you plan your finances?
How should you manage your finances when living in a couple?
Do you run your own business? Might you start one?
Are you a landlord, or do you plan to buy to let?
Are you struggling to get on the property ladder?
Do you support charities?
Will your family have to pay inheritance tax when you die?
It’s hard to think of an area of life where money isn’t an issue – so ask away.
If you want to find out what a financial adviser could do for you, the best way to start is with one of our special offers. You can book a free health check on your pension, investments, mortgage or general financial health—just click one of the offers below. All our advisers are independent of product providers and regulated by the FCA.