As independent Mortgage Advisers, we cover everything from first time buyers, re-mortgages, buy to lets and complex mortgages to suite your personal or business needs. When you retire, it is likely that you will want to maintain the lifestyle to which you have become accustomed to. Therefore, it is essential to make a pension plan or review a current pension plan to ensure that this is achievable.
Since there are so many different types of savings and investments. it is wise to seek expert Independent Financial Advisors like our selves, which can tailor and suit your goals and objectives. 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.
Since there are so many different types of savings and investments. it is wise to seek expert Independent Financial Advisors like our selves, which can tailor and suit your goals and objectives. 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.
Services
The company is located in Lampeter - a market town in Ceredigion at the heart of the Welsh Countryside. Our advisers are able to provide friendly services in both Welsh and English, with a combined overall experience of over 50 years and we have something that cannot be taught - Experience!
As Independent Financial Advisers & Independent Mortgage Advisers, Pedr Financial Planning provide a full range of financial advice and solutions to help clients achieve their financial goals & ambitions.We strive to improve our clients financial position, helping them get the most from their financial plans.
As Independent Financial Advisers & Independent Mortgage Advisers, Pedr Financial Planning provide a full range of financial advice and solutions to help clients achieve their financial goals & ambitions.We strive to improve our clients financial position, helping them get the most from their financial plans.
Find out about our professional and experienced team - who they are, how they can help you and how you can contact them. Alun has over 28 years' experience working in Financial Services, the first 8 years with Prudential as a 'Man from the Pru' (Financial Adviser) in the Lampeter area where he was born and raised.
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.
Mortgages are loans which are intended to help buyers purchase residential and commercial property. When an individual takes out a loan, the lender charges interest: the same is true of a mortgage. A mortgage is a 'secured' loan, which means that the loan is secured against the value of the property being purchased until the mortgage is paid off.
Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants. Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two. Most banks and building societies (and some other financial institutions) offer BTL mortgages, but terms, conditions and costs vary enormously.
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