Ergon Financial Consultants help you make sense of your financial future.
Your home may be repossessed if you do not keep up repayments on your mortgage, call us today.
The value of pensions and investments can fall as well as rise, you may get back less than you invested, call us today.
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited (17/01/2024).
Financial planning is about more than just good advice or investment returns. It’s about providing guidance that you can trust.
Financial Review
The value of pensions and investments can fall as well as rise, you may get back less than you invested.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Do you have a shoebox full of financial paperwork? Sometimes life is just too busy to take control and sort our financial affairs out, we can help you with that.
We offer a full financial review service in the following areas:
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Wealth Management;
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Retirement Planning;
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Mortgages;
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Annuities;
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Personal Protection & Business Protection;
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Private Medical Insurance;
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Group Personal Pension Schemes.
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Protection
You might be more familiar with insuring your home but do we think enough about insuring our greatest asset, ourselves?
Events in our life time which could affect your level of earnings and your ability to pay your bills include:
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Short-term or long-term illness;
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An accident;
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A serious illness;
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Death.
We will review any plans you have in place to determine if they are sufficient to meet your needs.
Savings/Investments
The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
Maybe you are investing for:
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A specific goal;
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A rainy day fund;
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Maintaining a good standard of living.
Our approach to investment and savings advice is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money. These are some of the most important parts of obtaining the correct investment for you.
With our expert advice we will ensure that the solutions presented are right for you. So whatever your goals are to save for a wedding, university fees or for a rainy day we will help you make an informed decision.
Mortgages
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.
Purchasing a property is likely to be one of the largest financial decisions you will make. In today’s climate, therefore, it makes sense to get financial advice to find you the most suitable mortgage product to fit your personal circumstances. We can offer advice on most types of mortgages including:
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First time buyers;
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Re-mortgages;
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New homes;
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Buy to let;
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Capital raising for home improvements;
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Second homes;
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Right to buy from local authority.
Pensions
The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.
Our approach to retirement planning is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money and your future.
We will help you:
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Get ready for Retirement;
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Understand how to best maximise your tax allowance;
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Navigate the choices.
Dive into the debate over Rachel Reeves' proposed mansion tax with this informative read from The Daily Mail. The Chancellor is reportedly mulling over a new 'mansion tax' ahead of the Budget on 26 November. Under the proposals, revealed by the Mail on Sunday, owners of £2million-plus homes would face a charge of 1 per cent on anything over that amount. In this article The Daily Mail looks at what's being considered, how it would work and how much it could raise for the Treasury.
Quilter is not responsible for the accuracy of this article's information. ... See MoreSee Less
What the £2m+ mansion tax will mean for the property market
sprou.tt
The potential mansion tax is the latest in a long line of property taxes that are reportedly being considered ahead of the Budget.Comment on Facebook
Those who care for loved ones could be entitled to financial support, but many are unaware of what support is available. Find out about Carer's Allowance, Carer's Credit and more in this article.
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Financial support for carers: what can you get?
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Unpaid carers miss out on an average £6,400 a year in annual salary by cutting work to support loved ones. We explore benefits that can plug the financial gap.Comment on Facebook
A survey has found that 25% of those cohabitating with their partner believe that their estate would automatically go to that partner when they die, but this is not the case. Learn more about the actual rules when it comes to automatic inheritance order in this article.
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The common myth over unmarried people living without a will
sprou.tt
When one person dies their partner does not have the same entitlements if the pair are not marriedComment on Facebook
Find out how the governments plans to include pensions in inheritance tax calculations could affect unmarried couples from April 2027 in this article.
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‘My estate faces a £214,000 tax bill unless I get married’ - the perils of the inheritance tax pension reforms
sprou.tt
The chancellor's plans to charge inheritance tax on unused pension wealth could be bad news for cohabiting couplesComment on Facebook
If you're struck by serious illness, health isn't the only concern. Money worries can quickly follow, especially if you don't work for months at a time. And that's where a type of insurance protection called critical illness cover can make all the difference. Have a read of this eye-opening article from the Daily Express to discover the importance of critical illness cover.
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Be ready for life’s shocks | Daily Express
sprou.tt
IF YOU’RE struck by serious illness, health isn’t the only concern. Money worries can quickly follow, especially if you can’t work for months at a time. And that’s where a type o...Comment on Facebook
Are you thinking about buying your first home? Avoiding costly mistakes when applying for a mortgage as a first-time-buyer is not easy. From ignoring credit scores until the last minute to unrequited loyalty to one bank, there are a host of traps to fall into. Have a read of this article from i News and learn the seven mistakes to avoid when in the process of buying your first home. Forward planning is essential to make the process as straightforward and cost effective as possible.
Read more - subscription may be needed.
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Seven mistakes first-time buyers make when applying for a mortgage
sprou.tt
Experts say planning ahead is essential to buying your first home - here's what you need to knowComment on Facebook
The cost of living is always important to our finances, but this month what is happening to prices will have a particular extra impact for millions of people. The September inflation figure reflects what has been happening to prices over the past year, and will affect how far your money goes and how much benefits will go up next year as well as influencing the Bank of England's interest rate decisions. Here are some of the ways in which the latest inflation figure will directly affect you and your money. Have a read of this article from BBC News to stay informed.
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Why this month's inflation figure matters for you
sprou.tt
The cost of living is always important but this month's data has a particular extra impact for millions of people.Comment on Facebook
Mortgage rates on the move again? Average mortgage rates have risen month-on-month for the first time in eight months, according to Moneyfacts. But does this mean trouble for borrowers? To find out more, read this article from Which?.
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Average mortgage rates rise: should you be concerned? - Which?
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We break down what's happening to rates and what it means for borrowersComment on Facebook
Considering life insurance as a solution for inheritance tax planning? Life insurance sales have climbed as growing numbers of families look for ways to safeguard their estates with some experts suggesting inheritance tax (IHT) reforms could be prompting renewed interest in cover. Here, Which? explores what might be behind the rise in life insurance sales, how these policies can feature in estate planning, and what to consider before using this approach.
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Should you consider life insurance to manage your inheritance tax bill? - Which?
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Experts say upcoming rule changes may be prompting more families to review their estate plansComment on Facebook