Meet the team
Tim Adams Independent Financial Adviser
Our services
As independent financial advisers we are able to advise on a wide range of financial products from an extensive range of product providers. We use advanced computer software to aid the research, compare and select the most suitable arrangements. This process enables us to explore options and search for the most appropriate for our clients' individual needs.
The guidance and/or advice contained within this website is subject to the UK regulatory regime, and
is therefore targeted at consumers based in the UK
Mortgages
Our mortgage advisers have a thorough knowledge of the mortgage market and work on a 'whole of market' basis which means we can access the majority of lenders and can often access rates and terms which are exclusive to mortgage advisers. We can help you with:
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Buying your first home
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Re-mortgaging your home
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Buying a new home / second home
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Investment Properties (Buy to let)
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Government Incentive Schemes
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Secured loans
As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.
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We are independent mortgage advisers, not lenders and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability.
We will consider all products and lenders that we have access to. This means we will not consider those lenders that are only available by you going direct to them.
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We will receive and retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document.
Protection
Nobody likes to think about death or being ill but sadly it is a part of life. Our financial advisers can advise you on the right protection plans to ensure that you and your loved ones are financially secure if the worst happens. We advise on a wide range of protection products including:
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Life assurance to protect a mortgage debt
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Life assurance to provide family security
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Diagnosis of a Critical illness protection
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Family income benefit
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Income protection plans if you are sick
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Private medical insurance
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Unemployment cover
Investments
Our team of financial advisers offer independent advice backed by award winning research tools from FE fundinfo and Defaqto. Whether you want to invest a lump sum or make regular contributions our advisers can help you meet your investment goals with a variety of products including:
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Investment/Life Bond, both onshore and offshore
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Unit trusts/Open Ended Investment Companies (OEICs), including Stocks & Shares ISAs
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Securities in Investment Trusts
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Structured Capital at Risk Products
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Any other product which offers exposure to underlying financial assets in a packaged form and that reduces risk when compared with direct holdings such as Exchange Traded Funds and Unregulated Collective Investment Schemes.
Retirement Planning
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​With the recent radical changes to the pensions landscape it has never been more important to seek sound financial advice to help plan for your retirement. Our independent financial advisers can help guide you through the often confusing array of options available to you, including:
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Personal and Stakeholder pensions
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Annuities
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Unsecured Pensions
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SIPPs
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Workplace pensions​
Equity Release
If you are a homeowner aged over 55 then equity release could raise tax-free funds from your property.
Flexible finance with no evidence of income or affordability required, equity release could fund more or less anything you wish, ensuring you enjoy your retirement to the full.
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We are independent mortgage advisers, not lenders and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability.
We will consider all products and lenders that we have access to. This means we will not consider those lenders that are only available by you going direct to them.
​​
We will receive and retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document.
Long Term Care
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​Those who can no longer live independently as a result of chronic illness or mental/physical impairment may need long term care and this can become very expensive. Eligibility for state-sponsored care varies between local authorities and the individual may need to cover some of the cost themselves.
We can work with you to find plans to help cover these costs and relieve the financial stress that seeking long term care can bring.​
Business Services
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Over the years our company has established successful relationships with many small to medium sized businesses. We offer sound financial planning to meet business' needs.
This can include:
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Commercial Finance
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Business and Personal Protection including shareholder, keyperson and relevant life.
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Pension planning to include auto enrolment advice and support.
Commercial Finance / Specialist Lending
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We have experienced advisers who are able to assist with a wide variety of specialist lending needs.
This can include:
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Development finance
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Bridging finance
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Commercial property
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Refurbishment loans
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HMOs
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Multi-unit / freehold blocks
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Buy to let portfolios
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We are independent mortgage advisers, not lenders and we will recommend a mortgage product that is suitable for you following an assessment of your personal needs and circumstances. This will include a detailed assessment of affordability.
We will consider all products and lenders that we have access to. This means we will not consider those lenders that are only available by you going direct to them.
​​
We will receive and retain any commission paid by the lender when your mortgage completes. This amount will be confirmed by the lender in their disclosure document.
