Personal Financial Services

We work with individuals and families at each life stage, whether you’re looking to purchase your first home, protect what’s important, save for the future, or plan for your retirement.

We build long-term relationships and support you throughout your journey towards financial security.

 

Mortgages

Whether you are looking to purchase your first home, move up the property ladder, re-mortgage, save money on your existing mortgage, or invest in property, we can find you the most suitable mortgage product for your needs.  Lenders now have to prove you can afford your mortgage payments, The application includes all household income and expenditure plus any unsecured debts.  This information is required to be evidenced by bank statements, P60 and wages slips and tax returns for self-employed.   A credit search will be undertaken to show how you have managed your credit commitments.

Some Buy to Let Mortgages are not regulated by the Financial Conduct Authority

To calculate mortgage payments: Click Here

This mortgage borrowing calculator is an interactive tool which should be used for your guidance only, and must not form part of your financial decision making process

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it

 

Income Protection

Income protection is an insurance policy that covers you for loss of income if you are unable to work due to illness or accidental injury. It is designed to help you cover your mortgage or rental payments, and household bills if you’re unable to.

 

Critical Illness Cover

Critical Illness Cover is an insurance policy that pays out a lump sum in the event that you are diagnosed with a serious illness and can be used for a variety of reasons such as medical treatment, house modifications, paying off your mortgage and debts, or care costs.

 

Life Cover

Life cover is an insurance policy that will pay out a cash lump sum if you die or are diagnosed with a terminal illness. It provides your dependents with an amount of money to protect their standard of living.

 

Investments & Savings

We can only refer you to a qualified Financial Adviser within the Quilter Financial Planning Network  to put a suitable plan in place to realise your ambitions in the savings and investment arena, whether you’re looking to save short term, or long term as part of your retirement or inheritance tax planning.

The value of the investment can go down as well as up and you may not get back as much as you put in.

 

Pension Planning & Transfers

We can only refer you to a qualified Financial Planner in the Quilter Financial Planning Network to put a suitable pension plan in place for your future or arrange a pension transfer, and regularly review the performance of your plan and ensure that it is appropriate for your risk profile throughout the difference stages of your life.

The value of pension and the income they produce can fall as well as rise. You may get back less than you invested.

 

Pension Reviews

 We can only refer you to a qualified Financial Planner within the Quilter Financial Planning Network to review your pension plan, assess its current performance and determine if it is performing to its optimal level, and provide alternatives which may provide a better return on your investment.

The value of pension and the income they produce can fall as well as rise. You may get back less than you invested.

 

At Retirement Plans

We can only refer you to a qualified Financial Planner within the Quilter Financial Planning Network certified in retirement planning to help you define your choices regarding your pension, assets, savings and investments; and implement a plan to spend your retirement as desired and provide financial security.

 

Estate Planning

We can only refer you to a qualified Financial Planner within the Quilter Financial Planning Network to ensure that sufficient provisions are in place to protect your wealth, and make sure that your cash, assets and possessions are distributed in line with your wishes, in the event of your death.

 

Wealth Management

We can only refer you to a Financial Planner within the Quilter Financial Planning Network  for wealth management planning and consider your needs, ambitions and risk profile and advise you on investments, retirement planning and tax structuring to make the most of your wealth.

 

Trusts

Putting your protection plan in Trust will ensure that in the event of a claim, there is minimal delay in pay out, and may also enable you to gift a portion of the plan to others without it being part of your estate and subject to inheritance tax.

 

General Insurance

We can help make sure you have sufficient cover in place to protect your home and possessions, via an insurance policy from a panel of trusted general insurance providers.

WARNING

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Inheritance Tax Planning, Estate Planning and Tax Advice, Trusts, Auto Enrolment, Employee Benefits, Commercial Mortgages and some Buy to Let Mortgages are not regulated by the Financial Conduct Authority

Free Range Financial Services Limited is an Appointed Representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority.  Free Range Financial Services Limited: Registered in England & Wales, No. 07002930. Registered Address: Cartref, Trelogan, Holywell, Flintshire, CH8 9BZ.