WHAT WE OFFER
Our advisers have significant experience in a range of areas, and are able to provide bespoke specialist advice on everything from mortgages to pensions.
While there are many places to turn to for financial advice, an Independent Financial Adviser (IFA) is able to offer you unbiased advice on financial products across the entire market.
We know how time consuming it can be to establish exactly which mortgage is right for you. Our financial advisers can help you select the best mortgage available, and help with the paperwork that comes with it.
When it comes to more complicated financial matters such as investments or pensions, a financial adviser who knows the ins and outs can point you in the right direction.
SAVINGS & INVESTMENTS
There are many different types of savings and investments, each with different structures and tax implications. We can discuss your aims and objectives and recommend the most suitable ways to achieve your goals.
Taxation can be very complicated. The rules, reliefs and allowances often change, meaning it is important to stay on top of the current laws to ensure you're managing your finances in a tax-efficient way.
PENSIONS & RETIREMENT
As pension specialists, we can provide advice on areas of pensions which other advisers simply aren't qualified to advise in. We can help you decide how much you should be putting in your pension as well as ensuring that your pension contributions are tax efficient.
Unfortunately, estate planning is not just for the retired or the wealthy. We can help arrage your estate appropriately so that it is distributed in line with your wishes.
Equity release describes a range of products that allow you to release the cash tied up in your home without moving. Niche are regulated by the FCA to advise and sell equity release products.
Hopefully you will never need to make a claim against your insurance. However, if the time comes, you want to be absolutely sure that the insurance you have is right for you. Here at Niche, we can help decide what type and level of insurance is suitable based on your current situation.
LONG TERM CARE
Providing long term care can sometimes be a serious financial burden on those who need care and their relatives. We work closely with care providers and solicitors to provide specialist advice on care fees and funding long term care.
SERVICES TO OTHER IFAs
We are a firm of Chartered Financial Planners with a team of highly knowledgeable advice givers. With this in mind, we have the capacity to increase our business and look after a larger "bank" of clients without reducing the quality of our service.
What is remortgaging and why would you do this?
Remortgaging is switching your mortgage from one provider to another. Usually you would do this to cut your monthly repayments, pay off debts or reduce the term of your mortgage. The main reasons you would move your mortgage to another provider are:
- To get a new cheaper mortgage at a lower rate. This will reduce your monthly repayments and you will have some extra cash - this could be used to make improvements to your home, or to pay off other debts
- To release some of your home’s value. It enables you to spend this now, rather than having to sell your home and move out to access it’s worth
- To extend the term of your mortgage. If you pay it off over a longer period, the monthly repayments will be lower. (Though the amount of interest you pay will increase
- To reduce the term of your mortgage. If you find yourself with more money (after a pay rise for instance), you could increase your monthly payments – meaning that you will pay less interest overall and be mortgage-free faster
What can we do?
Here at Niche we can take the hassle out of remortgaging. We act on your behalf, taking into account all your personal circumstances and finding the right solution. We shop around all the different providers and will find the best rate for you. All the paperwork will be filled in and dealt with by us, ensuring that your new mortgage is set up without any inconvenience to you.