FOR HELP INFORMATION  IN ARRANGING                                      MORTGAGES AND PENSIONS

Wide variety of mortgages available including:
* Council right to buy
* Up to 80% plus MPG and sometimes more
* Non status/self certification loan, up to  70% of valuation

 *Buy to let or Let to Buy.
* Re-mortgages for home improvement, 2nd home, capital raising etc.

   Competitive fixed/variable interest rates           
   Generous income multiples (written details upon request)

      MORTGAGE RELATED PRODUCTS AND MORTGAGES NOW REGULATED BY THE FINANCIAL SERVICES AUTHORITY.

Your home is at risk if you do not keep up the repayments on a mortgage or other loans secured on it.

                                                   PENSIONS

These are much in the spotlight as at June 2011 with many people in both the Private and Public sectors worried about their benefits being drastically reduced in  the future due to reductions in Defined Benefits,Loss or curtailment of Final Salary schemes, changes in future normal retirement ages for their schemes and increased contributions

The Hutton Report is in itself a fair appraisal of what needs to be done but all schemes are different so a broad brush to changes may not be the correct answer for everyone.

It should be appreciated that whilst most schemes are based on years of service set against 60ths of Final Salary to arrive at a final pension some schemes particularly in the Public Sector are based on 80ths which means that the ultimate pensionis is likely to be half final income as opposed to two thirds as a maximum benefit.  Further reductions may also have already taken place to base future pensions on average earnings over the working lifetime rather than be linked to higher earnings achieved in the run up to retirement.  It is small wonder therefore that people in the Professions such as Teaching and Nursing are up in arms  about further cuts to their benefits having already acted responsibly in adjusting those benefits as well as having their earnings frozen.

Of course going on from this people may move from the Public to the Private Sector

but in any event whatever they decide to do it is imperative that they should contact a reputable "Independent Financial Adviser" and by this I don't mean their bank or some other glossy website which may purport to be Independent.  The provision of future Pensions is a specialist subject but like all other investments it is only as good as the performance of the area chosen for those investments.  In my view they should be broad based and not unduly speculative unless your anticipated reirement is a long way off and your attitude to risk is bold.