IFA Brocastle, Bridgend ~ Financial Adviser Brocastle, Bridgend ~ Financial Planning Brocastle, Bridgend ~ Financial Advice Brocastle, Bridgend
Pensions Advice Brocastle, Bridgend ~ mortgage advisers Brocastle, Bridgend

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Pension

How does it work?

You make two payments per month. One to the lender to repay the interest on your borrowings and another into a personal pension plan. The plan is to build up your pension fund sufficiently to take out enough tax free cash to repay the loan and provide you with a retirement income.

ADVANTAGES:

  1. Has tax advantages as the contributions you make to the pension attract tax relief at the highest rate of tax you pay.

DISADVANTAGES:

  1. You must ensure your pension is well funded so that you have sufficient to repay your loan and provide for your retirement.
  2. The lump sum is paid on retirement which may mean you are paying interest on the loan for longer than 25 years.
  3. You cannot access the pension fund to repay the mortgage until retirement age.

A pension is a long term investment. The fund value may fluctuate and can go down.

Your home may be repossessed if you do not keep up repayments on your mortgage.

We offer the option to pay for mortgage advice by fee. Our typical fee is £500.


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Company address:
Insight Financial Advisers Ltd, Bridgend Golf Driving Range, Brocastle, Bridgend, CF35 5AS
T: 01656 766444
F: 01656 766449

Email: enquiries@ifa-insight.co.uk

Registration address as company address
Registration number: 04473446
Registered in: United Kingdom

Insight Financial Advisers Ltd is an appointed representative of IN Partnership the trading name of The On-Line Partnership Limited which is authorised and regulated by the Financial Services Authority.

IN Partnership is entered on the FSA register (www.fsa.gov.uk/register/) under reference 192638

The Financial Services Authority does not regulate all forms of the products or services we provide.

The information contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK only.

Telephone: 01656 766444 | enquiries@ifa-insight.co.uk

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