FINANCIAL SERVICES

Highwood has access to a wide range of specific products and can advise you on the best plan for your circumstances, including mortgages, pensions and insurance. Dependent on your personal requirements, we will guide you effortlessly through these complex areas.

Mortgages

A mortgage can be a daunting proposition. It is the single largest financial commitment most people will ever make and with thousands of different products available covering every type of budget and circumstance, heading into this market without professional help can be time-consuming and high risk.

With access to the whole market, including exclusive rates that are not available directly from lenders, Highwood is able to find a solution that suits your financial situation.

Whether you are a first-time buyer, looking to buy property to let, trying to select the right commercial mortgage or looking to release equity in your home, Highwood has the expertise and experience to help you make the right decision, first time.

Please note that the Financial Services Authority does not regulate the sale of buy-to-let or commercial mortgages.

Pensions

There are many pension products available to suit differing circumstances and financial ability and you will need sound, impartial advice to select the plan that is right for you.

Highwood advisors work with you to establish how much money you need at retirement and beyond in order to maintain the lifestyle you want after you stop working.

By understanding the answer to this question, and with knowledge of your circumstances and the choices available to you, including, but not exclusively annuities, stakeholder pensions, SSAS and SIPP, Highwood will be able to accurately and confidently plan for your financial future.

Health Insurance

The fundamental reason for taking out health insurance is to protect yourself and your family from potentially crippling costs associated with private medical care. Despite government pledges, NHS waiting lists are getting longer every year and it can often be months before you are seen, let alone diagnosed and treated, and by that time, it can be too late.

For peace of mind you should also consider what would happen in case of incapacity, or if you need to keep a relative in a nursing home.

There is an increasingly widening range of insurances available to suit circumstance and budget, and Highwood advisors will listen carefully to what you need and advise you accordingly.

The benefits of having a ‘best-fit’ health insurance policy are immediate and obvious –

• You insure against the diagnosis of a critical illness – e.g. cancer, stroke or heart disease
• You insure against the need for long-term care
• You insure your mortgage against being unable to work due to illness or injury

Personal Insurance

There are a number of varying types of personal insurance – often called assurance because it essentially ‘assures’ you that your life is covered, and that what you are insured for is paid out to your estate or policy owner – that will suit your specific circumstances.

Highwood advisors will make sure you are aware of each of them, and in addition, will conduct a thorough audit of what you currently have in place, to make sure you are getting real value from your policies and have enough cover.

By building up from the solid foundation of a relevant, ‘best fit’ life policy, we aim to give you greater confidence, flexibility and organisation regarding you personal and business affairs.

Every client we see has different requirements regarding their financial futures and therefore different reasons for taking out a life assurance policy, for example:

• To pay off your highest monthly outgoing – your mortgage
• To make sure your spouse and children are looked after
• For complete peace of mind