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 best 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.
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Your home may be repossessed if you do not keep up repayments on your mortgage
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 assist you by to put a 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.
- For this service we pass the enquiry on to a Qualified Financial Adviser within the Quilter Network.
Pension Planning & Transfers*
We can assist you to put the right 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.
*For this service we pass the enquiry on to a qualified Financial Planner in the Quilter Network.
Pension Reviews*
We can assist you to review of 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.
- For this service we pass the enquiry on to a qualified Financial Planner in the Quilter Network.
At Retirement Plans *
We can assist you by introducing 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.
* For this service we pass the enquiry on to a qualified Financial Planner in the Quilter Network.
Estate Planning *
We can assist you 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.
Estate planning is not regulated by the Financial Conduct Authority.
*For this service we pass the enquiry on to a qualified Financial Planner in the Quilter Network.
Wealth Management*
We can assist you in 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.
Tax planning is not regulated by the Financial Conduct Authority.
- For this service we pass the enquiry on to a qualified Financial Planner in the Quilter Network.
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.
Trusts are not regulated by the Financial Conduct Authority.
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 selected and trusted general insurance provider.
A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. 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, Hollywell, Flintshire, CH8 9BZ.
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