Contractor IFA
Making sure that you have covered all of your important financial planning needs isn’t easy, and that’s why we at Contractor Mortgages Made Easy have partnered with an Independent Financial Advice firm who can offer their services to you.
Contractor IFA
You will have a dedicated independent financial adviser who will work with you every step of the way to ensure that your financial needs are met and that not only is your mortgage dealt with, but so are any associated insurances, protection and investment needs.
Our partner independent financial advisers offer a whole of market service and impartial advice to ensure that you get the policies put in place that best suit your needs. Your IFA can help you to plan your present and future needs based on your individual circumstances.
Our partner specialises in financial advice for contractors and freelancers, and their knowledge of how you work and what your needs are is extensive, so you can be sure that you are in safe hands with an adviser who understands you and how you work.
Advice is available in the following areas.
Mortgage Advice
We understand how you work as a contractor, and using our database of contractor friendly lenders, we can help you to source your mortgage whether you are a first time buyer, looking to remortgage or want to venture into the buy-to-let world. Not only that, we can also help with sourcing professional and trustworthy solicitors to help with all of your conveyancing needs.
Retirement Planning
Retirement planning is far too often forgotten, as many people think that there is plenty of time to think about it. However, the reality is that in order to have a comfortable retirement, you should start savings as much as you can as early as possible. Our partner IFA’s knowledge of pension planning can help you to make the right choices to ensure that you can enjoy life in retirement.
Financial Protection
As a contractor, protection is important because you won’t have employer funded protection in place like those who are employed by a company. You need to make sure that if you fall ill or have an accident and cannot work that you can still afford your monthly mortgage repayments and any other daily living costs or debts. Your IFA can help you to source the most competitive policies by offering impartial whole-of-market advice.
Taxation
We know that tax is the bane of your life, so our partner IFA is here to help lift the burden and assist you in your tax planning to ensure that you access all tax allowances and reliefs that you are entitled to. This includes income tax, savings tax and inheritance tax as well as any business taxes that you may be required to pay. Contact us to help you create a more tax efficient plan today.
Investment Planning
Your IFA can also offer investment advice to help you build up funds for a rainy day. Whether you want advice on an investment vehicle for an interest-only mortgage, want an emergency fund for the unexpected, to save for the kids or just to keep a bit back for ad-hoc luxuries, your IFA can advise you on the most suitable investment vehicles for your needs.
Contact us today to start planning your future!