http://eranet-smartgridsplus.eu/?cams=sites-like-clips-for-sale Over the last 14 years we’ve helped a lot of people purchase their first property  and they have always thanked us not only as their independent mortgage broker but for also guiding them through the complex property buying process facing many first time buyers.

source To help first time buyers we have asked one of our own mortgage brokers, Kamal Mattu, for some practical guidance on buying your first home.

free online porn “As a first-time buyer what do you need to know about the process of buying your first home? For instance, when do you make an offer to buy a property and at what stage do you actually apply for a mortgage. But before you even consider these steps how about these points:

  • Do I need a deposit or can I buy my home without one?
  • What are the affordable schemes to get on the property ladder?
  • How do you find the most suitable lender for your circumstances?
  • Can you afford your monthly mortgage repayments?
  • What are your additional costs in buying a home?
  • What’s the difference between buying freehold or leasehold?
  • The mortgage application process. How long does it take?

gay webcam tubes It can all be a very exciting as well as perhaps daunting time when you are looking to buy and run your own home because that is what is involved.

iphone 6s + o2 ohne vertrag There are so many different types of mortgages, some schemes where you need no deposit. You will however still need to pay your solicitors costs, possibly stamp duty tax, any valuation fees and what about the removal company.

Unless you have lived away from home having to buy food, learn to cook, pay gas, electric, council tax, also to have money to decorate or improve the house putting your mark on it. And let’s not forget to still have money to go out with your friends and family. It is important to budget and make sure you can afford your mortgage payments.

My Tips on what you should do.

  • Speak to friends and family first
  • Consult an Independent Mortgage Adviser (not just your Bank).
  • Save up some money as you will need this for all sorts of expenses.
  • Work out your finances (all your monthly outgoings) and what you can afford for your monthly mortgage repayments.
  • Be realistic and ensure you have enough income for that new car or holiday or for an unforeseen emergency.

What I am saying to you is very simple. You seek advice from a mechanic when your car goes wrong and a good mechanic might provide some useful maintenance tips to stop the problem happening again so do the same about your finances. You may be surprised what else an expert independent mortgage broker can do for you too other than just find you the best deal.

If you are considering buying your first home and would like to speak to one of our team of independent mortgage brokers then please call Kamal on 0800 6342 111 or email This email address is being protected from spambots. You need JavaScript enabled to view it.”.

The mortgage broker industry is ever changing with numerous new lenders entering the market trying to compete with their more traditional competitors.  Keeping mortgage knowledge up to date and informed with all lenders criteria and products is crucial for any mortgage broker to provide the best possible lending to their clients. 

Here at Simpson Financial Services we pride ourselves with this and take every step possible to maintain a high standard of service through making sure we continuously develop our knowledge and professionalism.

Therefore on 7th September 2017 Kamal & James attended an ‘Out of this World’ experience at the National Space Centre in Leicester for the Family Building Society’s Mortgage Broker Roadshow.

The event provided an insight into the Family Building Society’s strategic business overview, USP’s covering innovative products, criteria, flexible underwriting and meeting differing customer needs. This allowed for a great opportunity to put questions to the Society’s key business leaders, boost professional development and network with peers afterwards before taking a tour around the National Space Centre.

We are delighted to confirm that one of our Directors, Natasha Palmer, has been shortlisted as a finalist for the Personal Finance Society’s Mortgage and Protection Advice Specialist of the Year 2017.

Being a finalist is a real recognition of Natasha’s commitment to excellence and professionalism in the world of personal finance which she has shown every day over the last 13 years working with us and we wish her every success on the 22nd November when the winner is announced.

The awards are taking place at the iconic Camden Roundhouse in London and are being hosted by Gyles Brandreth!

On Thursday 7th September 2017 our later life financial adviser Edwina Hudson was invited to visit Highmarket House, a beautiful new residential and nursing home in Banbury. As the UK’s elderly population continues to grow there is an ever increasing demand for nursing homes just like this.

http://www.careuk.com/care-homes/highmarket-house-banbury

To celebrate the opening of this new home the management invited local professionals to a tour of the home and to take part in a fun wine-tasting competition. All the staff were very friendly and professional and the guests enjoyed the very generous hospitality.

There is also an increasing demand for high quality independent financial advice and Edwina is well positioned to meet this demand with her status as a regulated financial adviser who has specialised in providing financial advice to the elderly which is recognised by her membership with the Society of Later Life Advisers (SOLLA).

When advising new prospective clients on how to meet their care home fee costs Edwina carries out a full financial analysis of their current financial circumstances and looks at a variety of suitable ways to generate any additional income required along with giving consideration to immediate care annuities.

If you are responsible for a relative or friend who wishes to understand more about how to pay for a care home then please contact Edwina Hudson in confidence for a free initial consultation on 0800 6342 111.

We are delighted to introduce the latest addition to our team Paul Arnold, who has joined us as an Independent Mortgage Consultant.

Paul has 25 years financial services experience and is responsible for overseeing our £10 million plus in mortgage approvals in the last 6 months.

He holds the CEFA & CMAP qualifications in mortgage and insurance advice.

Paul is already a big hit with many new and existing clients he has helped since joining our ranks and if you would like to talk to Paul about how to finance the purchase your next home, pay your mortgage off early, buy new business premises or any other mortgage related query then please call him at the office on 0845 0179 578.

Buying a Commercial Property with your pension fund is an area of financial advice that we are often involved with. There are many reasons why this can be a good (and sometimes not good) thing to do.

To help you work out if this type of pension investment might be suitable for you take a look at the following short case study of actual cases we have advised on.

Case Study 1

Mr & Mrs Client each have a various pension funds adding up to about £75,000 each which they are no longer paying money into. They run a small retail business and rent premises for £20,000 per annum off Mr Landlord. Similar premises next door have been put up for sale for £200,000. They approached their business bankers for a business loan to buy the property but were put off by the need for a deposit of £70,000 (35%).

They decided to combine their pension funds giving themselves a combined pension pot of £150,000. Their pension funds then borrowed a further £50,000 from a High Street bank enabling their pension funds to buy the premises next door.

They served notice on Mr Landlord and then moved their business next door. They signed a new 6 year lease with their pension funds who are their businesses new landlord. They still had to pay £20,000 per annum rent but now it was being paid to their pension fund rather than a third party landlord.

There are some other potential benefits too such as pension fund assets being protected in the event of business bankruptcy.

There is a lot more to consider when considering this kind of pension investment. For instance, do you use a Small Self Administered Scheme (SSAS) or two Self Invested Personal Pensions (SIPP) as the pension vehicle? Which banks will lend to pension schemes and what is the best rate? How does the pension scheme pay retirement benefits? What happens in the event of death etc?

If you are interested in buying a commercial property with your pension fund please contact us for further guidance.

We are delighted to announce the arrival of Mary McHugh to our firm. Mary joins us from Coventry University where she was awarded the degree BA Business & Finance with Honours 1st class.

Mary’s dissertation was entitled “The Efficient Market Hypothesis, Behavioural Finance and Stock Market Anomalies” which aligns very well with many aspects of our financial planning business such as our wealth management advice, investment risk profiling and the new rules on Auto Enrolment Pensions.

In addition, Mary undertook a piece of independent research examining the effect of “sports sentiment” on the stock market and was awarded a 1st for her coursework entitled “Controversies, Options and Potential Outcomes of the Current Pension Issues in the UK”

We asked Mary about what she gained from her educational experiences that she would bring to Simpson Financial Services

“Studying for my degree not only provided me with a thorough grounding in financial theory, financial services and business strategy, but also developed proficient time management and prioritisation, research, problem solving and analytical skills.”

We are sure Mary will be an outstanding addition to the team here at Simpson Financial Services.

We are starting to see a increasing number of Employers realise the scale and complexity of dealing with the new Auto Enrolment legislation and while you can deal with it yourself the Nine Guides from The Pension Regulator is enough to put off even the most competent of firms.

At Simpson Financial Services we have been planning and preparing for this for over 4 years and are able to offer a full advisory service to Employers which will mean that you are able to deal with the rules compliantly and maintain your reputation with your staff as a quality Employer. We can help you in the following areas:

Find out your staging date

Review your current pension scheme(s)

Assess your workforce

Model different ways to comply with the Auto Enrolment Rules

Design a new pension scheme or amend your existing pension scheme

Create an Auto Enrolment Implementation Plan

Implement the changes required

Engage with your workers and deal with employee communications

Make sure your record keeping is compliant

Provide ongoing governance and advice

There is a lot to do and time is running out. If you would like to discuss how we might be able to help you then please call the office on 0845 0179 578 and ask to speak to Rob Simpson who is the pensions expert.

Congratulations to one of out top advisers, Edwina Hudson, who has today received her full accreditation from the Society of Later Life Advisers (SOLLA). Edwina has a number of years experience as an Independent Financial Adviser and this accreditation recognises her additional skills in the area of financial needs of older people.

Advisers who have taken the further steps to become independently accredited can offer the added reassurance that they offer the practical help and guidance needed to make the right decisions at the right time. Surprisingly, Edwina is the only accredited adviser in the whole of Warwickshire which probably explains why she is a very busy lady.

If you would like to discuss your own, or an elderly relatives financial planning requirements then please contact Edwina at our office on 0845 0179 578. Please note we do not charge for any initial consultation that you need.

The Telephone Saver (Issue 1) from BM Savings offers an attractive rate of interest, currently, 2.75% gross/AER (variable) for the yearly optionor 2.72% gross/2.75% AER for the monthly option and gives you easy access to your money by telephone 24/7.

The accounts operate as straightforward personal savings accounts with no notice required for withdrawals from your savings. Here are some of the additional features offered;

TelephoneSaver (Issue 1)

  • Save any sum from £1,000 to £1 million (£2 million for joint accounts)
  • No hidden costs or charges
  • Easy access to savings
  • Joint account holders will each have their own set of passwords so they can each run the account. Interest is variable, calculated daily and is paid either yearly or monthly. Interest can be paid to the account, to another BM Savings account or paid to another UK bank or building society account that accepts Faster Payments.

For more information and how to apply, please contact Rob Simpson on This email address is being protected from spambots. You need JavaScript enabled to view it. or call the office on 0845 0179 578.

We’re very pleased to announce that Plum, Midas and Prestige have joined our panel of non-standard household insurers.

Non Standard Buildings and contents insurance is for out of the ordinary risks. Typically this will include thatch and other non-standard constructions, adverse claims history, subsidence and underpinned properties, declined, refused or cancelled insurance, convictions, bankruptcy, professional sportspeople or entertainers, Unoccupied properties, holiday homes, even blocks of flats.

Basically, anything which would normally be declined on a standard home insurance policy.

You can send us brief details of your property here or please call the office on 0845 0179 578

We are delighted to announce the appointment of Neil Dawkins to our ranks as our Independent Mortgage Consultant.

Neil has had many years financial services experience with some of the heavyweights of the life and pensions industry and brings his professional and friendly style to the world of mortgage advice. He holds the Chartered Insurance Institute’s Mortgage Advice Certificate and their Financial Planning Certificate.

For the last 9 years Neil has been advising on residential and commercial mortgage and now brings that wealth of knowledge to Simpson Financial Services.

If you would like to talk to Neil about how to finance the purchase your next home, pay your mortgage off early, buy new business premises or any other mortgage related query then please call him at the office on 0845 0179 578.

Thanks to everyone who came to our Retirement Planning Seminar on Wednesday. It was great to see so many old and new faces and I think everyone managed to keep awake for the duration of the presentation. Even the part on alternatives to annuity purchase!

For those of you who completed the Investment Risk Questionnaire we will be in touch with you over the rest of this week with your results. Of course, this is only a discussion report but it is a good starting point and a little more scientific then asking if you are you a low, medium or high risk investor.

Can I also thank everyone for their feedback on the seminar. There is so much to cover on such a wide subject as retirement planning and your feedback allows us to make sure that we cover all the relevant parts in future seminars too.

I still think my most important slide is the pre-retirement planning slide covering “Where are you invested now?” and I know that most of you with pension funds aren’t 100% sure. By just spending a little time (and money) you can make sure that you are invested in the correct place in the run up to retirement and find out if any of your older pension policies are lucky enough to have guaranteed annuity rates or guaranteed investment returns hidden in the small print.

If you do have any queries about your own pre, at or post retirement planning them please feel free to contact me or book yourselves onto our next retirement planning seminar here.

Avoid the common financial mistakes at retirement by getting advice from the experts at our Retirement Planning Seminar.

Join us at our Coventry office for an entertaining and insightful look at the steps you should be considering as you approach your retirement.

What you will learn:

  • How to maintain your standard of living in retirement
  • Effective ways to generate the maximum level of income from your pension funds and other investments
  • Avoid overpaying Income Tax, Capital Gains Tax and Inheritance Tax
  • Various strategies to preserve and protect your capital
  • Your attitude to investment risk (each attendee will receive a free psychometric risk assessment worth £60)
  • Call our office on 0856 0179 578 to reserve your place or click here to book online.

Your speaker for this event is Rob Simpson who is Managing Director of Simpson Financial Services and has been an Independent Financial Adviser for over 15 years.

Who should attend?

If you are less than 10 years away from your retirement or if you have already retired but are concerned about your current financial planning arrangements.

REGISTER ONLINE NOW

This seminar is free to attend but please book early as we only have limited places left.

Getting a divorce can be an extremely stressful time in your life and also a costly one too. And, if you and your “Soon Too Be Ex” are having to sell the marital home you will probably need to prove to each other what your ability to successfully apply for a new mortgage is. You will also need to prove what level of borrowing you are likely to be able to achieve. That’s why Simpson Financial Services offer a comprehensive and personalised Mortgage Capacity Assessment.

A Mortgage Capacity Assessment Report takes into account a number of constantly changing lending criteria such as:

Lending into Retirement

Interest Only Mortgages

Outstanding credit commitments

Adverse Credit

Equally as important, if you and your ex cannot agree on a financial settlement then it will be left to the court to decide. If you are asking a judge to determine what percentage of the matrimonial assets you are going to receive it would be wise to make sure that the judge knows how much money you need to be able to house yourself.

Our mortgage capacity assessments start from £85.00 and can be modelled to look at your maximum borrowing based on different outcomes of the financial settlement. To discuss your requirements please call the office today on 0845 0179 578.