That's pretty much the prospect, unless you make additional pension arrangements, either by. The great joy of financial freedom is having your heart and mind free from worry about life's uncertainties, and our aim is to pave the way for a more secure financial future for you, your family and for businesses of all sizes.
We provide services to help you improve your financial plans. We aim to deliver information, advice and solutions which are clear and easy to understand. We will help you throughout your lifetime and pride ourselves on our long standing client relationships. With Kelly Financial, your plans will be kept under review so you can rest assured in the knowledge that expert assistance is always on hand.
We provide services to help you improve your financial plans. We aim to deliver information, advice and solutions which are clear and easy to understand. We will help you throughout your lifetime and pride ourselves on our long standing client relationships. With Kelly Financial, your plans will be kept under review so you can rest assured in the knowledge that expert assistance is always on hand.
Services
Kelly Financial Advisers all share and adhere to our company standards, training and compliance requirements and our client promise. We aim to be one of the leaders in our field and welcome feedback on our services and advisers to help us improve. Get to know you and your aims.
Before any recommendations, your Kelly Financial Adviser will carry out a thorough fact find to ensure that any advice provided and solutions proposed are tailored to your needs and goals.Do everything possible to ensure that all our clients receive high quality financial advice, and where suited, the most appropriate products to meet their specific needs.
Before any recommendations, your Kelly Financial Adviser will carry out a thorough fact find to ensure that any advice provided and solutions proposed are tailored to your needs and goals.Do everything possible to ensure that all our clients receive high quality financial advice, and where suited, the most appropriate products to meet their specific needs.
Find out about our professional and experienced team - who they are, how they can help you and how you can contact them. I have been providing financial advice for over 25 years, with a wealth of experience in mortgages, protection, investment, and pensions. After being employed for several years at Royal London, walking the streets of East London providing advice door to door, this was before computers.
We meet together to discuss your personal circumstances and your current financial situation. We'll go into detail so that we can draw up a complete picture of where you are now, and where you want to arrive.
We'll ask about you, your occupation, your savings & investments, your mortgage, your current liabilities and your tax position, and we'll explain how all of this information builds a profile which will help us to formulate our financial plan.Next we discuss your objectives and your aspirations, as well as any concerns that may arise.
We'll ask about you, your occupation, your savings & investments, your mortgage, your current liabilities and your tax position, and we'll explain how all of this information builds a profile which will help us to formulate our financial plan.Next we discuss your objectives and your aspirations, as well as any concerns that may arise.
A mortgage is a 'secured' loan, which means that the loan is secured against the property being purchased until the mortgage is paid off. Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions. Mortgage providers follow a set of rules and procedures when deciding whether or not they will agree to provide a mortgage to purchase a residential property.
Once your mortgage application has been accepted in principal, you may have the option of deciding how you repay the loan: on a 'repayment' basis, or on an 'interest only' basis. With a repayment mortgage your monthly repayments cover both capital and interest on the loan.
As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time.No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market). If you remortgage, you may be tempted to extend the end repayment date in order to lower your monthly payments.
As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time.No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market). If you remortgage, you may be tempted to extend the end repayment date in order to lower your monthly payments.
Reviews (2)
Monika Kugler
Sep 20, 2021
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Barry and Michelle were fantastic, they helped us so much with our mortgage from the begging to the end. As a first time buyer I didn't have a clue about buying a house but they did everything for us from finding a suitable mortgage to arranging insurances. They were very friendly, kept us updated all the time, explained everything no matter how silly questions we had. I would highly recommend them to anyone.
Daniella
May 05, 2021
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