Our range of services

There are times when it can prove difficult to establish your true financial needs, which is why we provide advice in a friendly and understandable manner. Tapestry Financial Services offer personal advice on a whole range of financial services including the following:

 

Retirement Planning

 

Whether your retirement is years away or just round the corner, Tapestry Financial Services can help you secure your financial security in retirement. After all, retirement is a time when you'll want to enjoy life, not worry about money.

 

The new government pensions freedom rules came into place from 6 April 2015, which now makes it really important that you understand the changes and review your options, because from the age of 55, you can now take responsibility for the money you've saved and access your pension pot however you like - you need to decide how much you want so you can plan, and it is often easier to think in relation to your current earnings and decide how much of your salary you would want to maintain.

 

Investments

 

Everybody has investment goals, from the old adage of saving for a rainy day to planning a comfortable retirement. It's important to define your investment goals at the outset, as the choice of investments will vary depending on what they are. As your life changes over time, it's important to ensure that your financial objectives continue to meet your needs. Once you have defined your investment goals, knowing what type of investment to choose will very much depend on your personal circumstances, your attitude to risk and a number of other factors.

 

Starting a serious long-term savings project can be daunting, so it is essential that you receive professional advice on the best plans and funds to choose. At Tapestry Financial Services, our approach is to help you grow your wealth that takes into account your business, personal and family circumstances.

 

PLEASE NOTE: The value of investments and the income derived from them may go down as well as up and you may not get back the amount originally invested.

 

Equity Releases

 

Equity release is a way of raising money against the value of your home, providing that you own your home and that you are aged over 55.

 

There are two types of equity release: Lifetime Mortgages and Home Reversion plans. By using an equity release product, you can draw a lump sum or take a regular amount from the value of your property whilst remaining in your home. Money raised from equity release schemes can be used for any purpose. Home improvements and repairs are popular choices, as are holidays and gifts to children and grandchildren. However, it is worth emphasising that the money can only be spent once – equity release schemes mean smaller inheritances for children and grandchildren.

 

You can view our fees by clicking here.

 

PLEASE NOTE: This is a lifetime mortgage (home reversion mortgage). To understand the features and risks, ask for a personalised illustration.

 

Mortgages and Protections 

   

Whether you are a first-time buyer, moving house, purchasing an investment property or re-mortgaging, finding the right mortgage can seem like a confusing and daunting process. Your mortgage is probably one of the largest financial commitments you'll ever make in your lifetime. So, it is essential you receive professional advice for your specific needs. Tapestry Financial Services research the market to ensure that you find the right mortgage. With so many lenders and mortgages to choose from, the decision can seem overwhelming.

 

At Tapestry Financial Services, we'll also review all of your protection options and needs – advice that may prove invaluable when protecting the important things in your life. Our team of qualified professional advisers will help you to find the best solution for your needs. When making a large financial commitment, such as your mortgage, it is vital to protect yourself and your family in case the unexpected happens.
 
A fee of £495 is payable on production of an offer to enable the purchase of a property or to remortgage. We will also be paid commission from the lender. A fee of 2% (but with a minimum of £1,250) of the loan amount for a complex mortgage arrangement (e.g. impaired credit, right to buy), for example, if the loan amount was £100,000 our fee would be £2,000. We will also be paid commission from the lender.

  

PLEASE NOTE: Your home may be repossessed if you do not keep up repayments on your mortgage. This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

 

Personal Insurances

 

At Tapestry Financial Services, we understand your insurance needs may be complicated, and it can be difficult to know where to get the cover that is right for you. Placing personal household, motor and travel insurance is not always straightforward, and getting it wrong is potentially costly and inconvenient.

 

When it comes to what matters, we will help you find the right policy that offers excellent value. We believe the expert professional advice and guidance we offer will ensure that you end up with the cover that meets your requirements.

 

Commercial Insurances

 

Whatever size your business is, you need to make sure you have the right protection in place. At Tapestry Financial Services, we have the capacity and capability to create the right insurance solutions for your firm, including large businesses with complex requirements, while providing you with the level of personal attention that is often lacking from other brokers.

 

Making sure you have the right protection, is always our number one priority. To do this, we combine our expertise and specialist commercial insurance experience with a thorough understanding of your business. We can help with many types of commercial insurance, including:

 

~ Business insurance
~ Property insurance
~ Hotel and leisure insurance
~ Liability insurance
~ Professional indemnity insurance
~ Specialist business insurance
~ Smallholders and farmers insurance   

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