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Financial solutions for Private Sector employees
Whole of market, independent, fee free
mortgage advice
When looking for a mortgage solution, it’s important that you have the confidence you’ve made the right decision in getting the best possible rate and product for your needs. With access to independent advice our brokers can explore the whole of the marketplace on your behalf to enable you to secure the best possible deal without the need to spend potentially £100s on unnecessary broker related fees.
Fee free mortgage advice
When approaching a new Mortgage Adviser, it is important that you get a clear understanding of what costs and fees they charge. Are there any costs incurred by you during their advice process because here at Chesterton Grant Mortgages, we guarantee that you will not be charged by us for any work undertaken on your behalf at any point in the process as, like all other brokers, we will receive a commission payment from the lender when your mortgage completes. You can feel confident in knowing that you will pay no more applying for a mortgage through Chesterton Grant Mortgages than you would by going direct to the Lender yourself for any product that we recommend to you.
Re-mortgage – a win-win opportunity
Remortgaging can be used to obtain a better deal, or simply a way of releasing some of the equity held in your property. You can potentially secure an offer up to 6 months before your current mortgage deal comes to an end, although nearer the time of completion (up to1 month before) should market conditions have changed in your favour, we will again advise you of your best options.
Access to whole of market for competitive deals
With the ability to access the whole of market, your mortgage advisor can find the most suitable mortgage deal that meets with your current needs and circumstances from the hundreds of possible options available in the marketplace. You can be confident that from the wide choice on offer in the marketplace, your mortgage deal is the most suitable and cost-effective solution for your unique situation.
Fully independent mortgage advice
When a mortgage advisor has no affiliations to any specific lenders, prioritising your interests can be put first. You advisor can find you the best mortgage options to meet your current needs & circumstances. When a Mortgage Advisor is tied to a specific pool of lenders, it can restrict which mortgage products they offer you as they have a limited market to choose from.
Your mortgage
The team at Chesterton Grant can help source a wide range of mortgages:
1. Residential Mortgages
2. Remortgages
3. First Time Buyers
4. Home Movers
5. Employed or Self Employed
6. Help to Buy/ New Build
7. Buy to Let
8. Second Charge Loans
9. And more……
‘As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments’
‘Some types of buy to let mortgages are not regulated by the Financial Conduct Authority’
Income Protection
Protection insurance policies provide both peace of mind and a financial safety net in the event of illness, injury or death. Regardless of whether you’re single or in a relationship, have dependent children or don’t have children, chances are you will benefit from some form of protection insurance.
You might already have some cover in place. That’s great, but does it still meet your needs? It’s helpful to make sure you review your cover every few years or whenever you have a change in circumstances such as marriage, civil partnership, having children, moving home, a relationship breakdown, a new job… all these events could have an impact on what cover you should have in place. Your adviser is best placed to help you find the most appropriate cover for your circumstances.
Critical Illness Cover
Critical illness cover will pay out if you are diagnosed with a specified serious illness. Cancer, heart attack and stroke are the three main conditions, though there can be many more. With some policies there are over 50 named conditions. Each condition will have a specific explanation as to what will result in a paid claim, for example some less advanced cancers might not be covered as they aren’t deemed ‘critical’.
Critical illness cover is designed to provide financial support and remove money worries at a time when the focus needs to be on your health. The money can cover everyday expenses but could also be used for private treatment, adapting the home to meet medical needs and/or enabling loved ones to take time out of work to care for you.
Do be aware that not every illness is covered by critical illness insurance, nor does it have any relation on whether you are able to work or not – for that type of cover, please see income protection. Many policies also offer children’s cover meaning if your child is diagnosed with a serious illness, a lump sum would be paid out to help with treatment or to support the family during this difficult time.
Life Protection
The most well-known type of insurance. This will pay out either a lump sum or a regular income should you pass away, to provide financial support to your dependants. The cheapest form of cover is known as a ‘term assurance’ policy. You choose how long you want cover to last for, which could be until your children are no longer financially dependent on you, or you could align it with your mortgage term to ensure your mortgage is paid off.
The other main type is known as ‘whole of life’. This policy has no specified end date - it simply provides cover until you pass away so is useful to cover funeral costs for example. Your adviser will be able to help you choose the most suitable option for you and your family.
Download our simple guide to protection.
Retirement Planning - Accessing the best pensions advice for your specific requirements
Whatever you want from your retirement, planning for the retirement lifestyle you desire involves careful consideration of your financial needs, including estimating how much money you'll require and when you plan to retire. Adequate financial preparation done in time, could ensure that when the time comes, you can potentially enjoy your golden years in an improved financial position.
Our Services
Through our Director Steve Wright and his financial advice support team we can offer our clients access to True Potential Wealth Management who provide a mix of expert financial advice and market-leading technology, with no minimum investment requirement.
Clients can access their investments via their app 24/7, as part of the UK’s leading wealthtech firm. Their approach to investing aims to maximise returns within a client’s risk profile, reduce volatility and drive down the cost of ownership for investors.
By pioneering ‘Advanced Diversification’ True Potential bring the expertise of 9,620 professionals in 162 global locations directly to clients through True Potential Portfolios.
True Potential’s in-house development team have been building unique technology for over 15 years – putting the tools of professional investors into the palms of UK investors’ hands. True Potential clients logged in 6.9 million times in 2022, with 4.7 million of those being through their mobile app.
Your specific requirements
Everyone’s financial position is unique. Whether you’re just starting out on your financial journey or are looking at how you might drawdown on your current pension, it’s important that you have all the facts available upon which you can make an informed decision that’s right for you.
There are a number of stages at which you can benefit from financial advice:
1. First Pension/ Starting a Pension.
2.Missing Pensions/ Tracing a Pension.
3. Retirement Options/ Drawing down on a pension.
4. Consolidating Pensions.
5. Pension Performance Review/ Maximising your pension.
6. Director’s Tax Planning/ Efficiency.
7. Pension sharing orders.
Understanding your existing pension
Financial planning can be complex, and understanding the finer details of your pension can prove to be challenging. Raising questions such as:
- Where is it?
- Will I get what I need when I retire?
- Is it performing as well as it could?
- Can I get at it if I need to?
- What are my options when I get to retirement?
We can arrange for you to speak with a regulated, qualified financial adviser, who can help you with all the information that you will need to make the best decisions for you, both now and for the future.
Maximising the performance of your pension
Many people pay money into a pension pot with little knowledge of how or what their money is doing. With the right advice, you can maximise your potential returns, and ensure that your money is working hard for you. Putting the right plans in place now can ensure a smooth transition into the retirement you want.
You should remember though that unit prices and the value of your pension fund can fall as well as rise and there is no guarantee you will receive a return of your original capital, especially in the early years or if you choose to take an income from it. Past performance is no guarantee of future returns.
Pension pots with previous employers
If you have pension pots with previous employers and are wondering what your options are please contact us and we will be able to help.
Investments - A tailored approach
Whether you are a seasoned investor, or are just starting out, investing can be daunting, with concerns about market volatility and potential losses looming large. However, with the right financial advice, you can navigate these uncertainties and unlock the benefits of smart investing, ensuring a secure financial future tailored to your goals and risk tolerance.
Our Services
Through our Director Steve Wright and his financial advice support team we can offer our clients access to True Potential Wealth Management who provide a mix of expert financial advice and market-leading technology, with no minimum investment requirement.
Clients can access their investments via their app 24/7, as part of the UK’s leading wealthtech firm. Their approach to investing aims to maximise returns within a client’s risk profile, reduce volatility and drive down the cost of ownership for investors.
By pioneering ‘Advanced Diversification’ True Potential bring the expertise of 9,620 professionals in 162 global locations directly to clients through True Potential Portfolios.
True Potential’s in-house development team have been building unique technology for over 15 years – putting the tools of professional investors into the palms of UK investors’ hands. True Potential clients logged in 6.9 million times in 2022, with 4.7 million of those being through their mobile app.
Stocks and Shares ISAs
When it comes to investing, there are many potential options. Stocks and Shares ISAs offer a tax-efficient way to invest in the stock market. With the potential for higher returns compared to traditional savings accounts, they provide an opportunity to grow your wealth over the long term.
Critical illness cover is designed to provide financial support and remove money worries at a time when the focus needs to be on your health. The money can cover everyday expenses but could also be used for private treatment, adapting the home to meet medical needs and/or enabling loved ones to take time out of work to care for you.
Do be aware that not every illness is covered by critical illness insurance, nor does it have any relation on whether you are able to work or not – for that type of cover, please see income protection. Many policies also offer children’s cover meaning if your child is diagnosed with a serious illness, a lump sum would be paid out to help with treatment or to support the family during this difficult time.
General Investment Accounts (GIAs)
General Investment Accounts (GIAs) provide a flexible way to invest in a wide range of assets outside of tax-advantaged wrappers like ISAs and pensions. With no contribution limits, they offer freedom and versatility for long-term wealth growth and financial planning.
The other main type is known as ‘whole of life’. This policy has no specified end date - it simply provides cover until you pass away so is useful to cover funeral costs for example. Your adviser will be able to help you choose the most suitable option for you and your family.
Download our simple guide to protection.
Investment Bonds
Investment bonds are tax-efficient investment vehicles that offer potential for growth over the long term. With the ability to defer tax on investment gains until withdrawals are made, they provide flexibility and security for investors seeking to build wealth while minimising tax liabilities.
Working towards a more prosperous financial future
Whether through stocks and shares ISAs, general investment accounts, or investment bonds, investors can take advantage of various tax breaks tailored to their individual needs and circumstances. Investment opportunities enable you to maximise tax efficiency while working towards your financial goals, ultimately securing a more prosperous future.
You should remember though that unit prices and the value of your investment can fall as well as rise and there is no guarantee you will receive a return of your original capital, especially in the early years or if you choose to take an income/withdrawals from it. Past performance is no guarantee of future returns.
Estate Planning
Ensuring proper estate planning is important for securing the future of your assets and providing peace of mind for you and your loved ones. By carefully outlining your wishes, and distributing your assets according to your preferences, you can rest assured that your money will go to the right people and causes, safeguarding your legacy, and providing financial stability for future generations.
Wills & LPAs – providing clarity in honouring your wishes
Having a will in place is key to ensuring your assets are distributed according to your wishes after your passing. It provides clarity and legal protection, minimising potential disputes among family members and ensuring your loved ones are provided for as you intended.
Establishing lasting powers of attorney ensures that trusted individuals can make important decisions on your behalf if you become unable to do so due to illness or incapacity. This offers further peace of mind for you and your family.
Trusts - for effective succession planning
Trusts can provide protection and financial security for beneficiaries, making them a valuable tool in wealth management and succession planning. Trusts are legal arrangements that hold assets for the benefit of individuals or organisations. They offer privacy, control, and flexibility in estate planning, allowing assets to be distributed according to your specific instructions while avoiding probate and minimising estate taxes.
Planning for the future so you can make the most of now
Estate planning ensures your assets go to the right people, avoiding family conflicts and easing the burden on your loved ones. By making decisions while you're still capable, you secure your legacy and provide peace of mind. Once finalised, you can fully enjoy life without worrying about the future.
The Financial Conduct Authority does not regulate tax or estate planning.
A client-centred approach for complete financial peace of mind - now, and in the future.
How we deliver
Chesterton Grant is your one-stop shop for all your financial needs. We offer comprehensive mortgage services, including expert advice and fee-free guidance. Protect your family with our tailored protection plans. Plan for a comfortable retirement with our retirement planning expertise. And let us handle your estate planning to ensure your wishes are fulfilled.