Mortgages

For most people getting a mortgage is their biggest single financial commitment – and the most stressful!

Whether you’re a first time buyer, moving to a new home, looking to remortgage, or finance a buy-to-let property or perhaps you’re a new small trader starting out or a company looking for new offices or work premises and need a commercial mortgage – we can help you.

We make sure we thoroughly understand your circumstances and, as independents, we can investigate all the options before making our recommendations.

We’re with you through the whole process – from initial inquiry to finding and applying for a suitable mortgage right to completion.

Your initial consultation is obligation free. There will be a minimum fee for our service of £250, of which £125 is payable when you apply, and we will retain the commission from the lender. Alternatively, you can choose the fee only option which is typically 0.60% of the amount borrowed. The precise amount will depend on your circumstances and loan amount, and will be discussed and agreed before you make an application.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Retirement planning

Whether you’re a business or an individual making sure you’ll have enough income to live on when you retire is a scary business in uncertain financial times. Our expert and professional advice can help you make the most of the retirement opportunities available.

Family and Business protection

Protecting your family income at the tough emotional or financial times that occasionally hit us in our lives is crucial. If you are diagnosed with a critical illness, suffer an accident or illness and can’t work, lose your job, want private medical treatment or die you want to be reassured financial worries won’t add to your loved ones’ stress. We can help you protect yourself and them.

Savings and Investments

You can significantly increase your wealth through investment – but only if your money is invested in the right way. That’s where we can help. We’ll do the research then make recommendations on the best way to invest your money. We aim to make your life smoother while making your money work harder for you.

Inheritance Tax planning

There are many areas to consider when you’re looking to protect your family and your home. They include Inheritance and Capital Gains Tax, illness and loss of income and making sure you can give as much as you want to the people you want to leave your money to. Assessing suitable protection for your particular circumstances is at the heart of what we do.

Insurance

Proper insurance cover is a part of planning for retirement and inheritance but we all have insurance needs for our daily lives, whether it’s for a car, a motor home, the house, as a landlord or for your business.

We have our own in-house insurance company – Coversure Insurance Services. We benefit from membership of a national broking chain to provide expert advice on all areas of insurance.

Click here for the full range of products

Bright Financial Planning Ltd is authorised and regulated by the Financial Services Authority (FSA reg459572)