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SJ Financial Advice - Homepage

Welcome to SJ Financial Advice, Protection, Mortgages, Independent Advice, Savings and Investments, Pensions,30 Hambledon Hill , Epsom , Surrey , KT18 7BZ. Telephone: 01372 739917

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SJ Financial Advice - Homepage | sjfinancialadvice.co.uk Reviews
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Welcome to SJ Financial Advice, Protection, Mortgages, Independent Advice, Savings and Investments, Pensions,30 Hambledon Hill , Epsom , Surrey , KT18 7BZ. Telephone: 01372 739917
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1 Welcome to SJ Financial Advice
2 Protection
3 Mortgages
4 Independent Advice
5 Savings and Investments
6 Pensions
7 30 Hambledon Hill
8 Epsom
9 Surrey
10 KT18 7BZ. Telephone: 01372 739917
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admin@sjfinancialadvice co uk,independent advice,protection,about protection,life protection,income protection,mortgages,mortgage basics,mortgage products,mortgage calculator,savings and investments,investment options,investing and risk,investment assets
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SJ Financial Advice - Homepage | sjfinancialadvice.co.uk Reviews

https://sjfinancialadvice.co.uk

Welcome to SJ Financial Advice, Protection, Mortgages, Independent Advice, Savings and Investments, Pensions,30 Hambledon Hill , Epsom , Surrey , KT18 7BZ. Telephone: 01372 739917

INTERNAL PAGES

sjfinancialadvice.co.uk sjfinancialadvice.co.uk
1

Mortgage Products

http://www.sjfinancialadvice.co.uk/Mortgages/Mortgage_Deals_1

There are several terms used to describe the interest rates you pay on a mortgage, and the key terms are as follows:. Standard Variable Rate (SVR) -. The SVR is the lenders standard rate. With a variable rate mortgage you are normally able to switch lenders at any time without being penalised. If you take out a mortgage that has a fixed, tracker or discounted rate once the set period of time ends the loan will usually revert to the Lenders SVR. The discount mortgage rate is another variation of the stand...

2

Retirement Income Options

http://www.sjfinancialadvice.co.uk/Pensions/Retirement_Income_Options_1

Your Options At Retirement. From age 55, there are a number of options available to you including:-. Draw your benefits available from the existing provider. Purchase an annuity with a different provider on the Open Market. This could potentially increase the payments to you. Move to Flexi-access Drawdown (or Third Way Plan). Use the Uncrystallised Fund Pension Lump Sum (UFPLS) rules. Move to Phased retirement. Move to a combination of the above. Draw your benefits from your current scheme. You are able ...

3

Mortgage Calculator

http://www.sjfinancialadvice.co.uk/Mortgages/Mortgage_Calculator

Please note these figures are only a guide and the exact amount you will pay will depend on the type of mortgage and any additional fees charged by the lender. We therefore recommend you obtain advice before committing to any mortgage. As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments. S J Financial Advice Ltd is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 650923.

4

Inheritance Tax

http://www.sjfinancialadvice.co.uk/Estate_Planning/Inheritance_Tax

Inheritance Tax is paid if a person’s estate (their property, money and possessions) is worth more than the Inheritance Tax threshold when they die. The current threshold to which you must pay 40% tax is currently £325,000. Fixed until 2016) for a single person or for people who are married, in a civil partnership or widowed, the threshold for Inheritance Tax is currently £650,000 between them. The below calculator can help give you an estimate of your inheritance tax (IHT) liability. INHERITANCE TAX PLA...

5

Advanced Pensions

http://www.sjfinancialadvice.co.uk/Pensions/Advanced_Pensions_1

In recent years the pensions industry has become more advanced in terms of the flexibility of investments available and the structure of the actual pension arrangements. It is an area of constant change and you should consult us/me regularly to make preparations for a secure and enjoyable retirement. Self Invested Personal Pensions (SIPPs). The benefits of using a SIPP include being able to invest in:. Stocks and shares listed or dealt on an Inland Revenue recognised stock exchange, including AIM. S J Fi...

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SJ Financial Advice - Homepage

Welcome to SJ Financial Advice. Click here for more info. Click here for more info. Click here for more info. THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME FORMS OF MORTGAGES. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. S J Financial Advice Ltd is Authorised and Regulated by the Financial Conduct Authority. Financial Services Register Number 650923. 2017 S J Financial Advice Ltd The guidance and or advice contained within this website is subject to the UK regu...

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