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Making a Will

 

A will is the only way to make sure your savings and possessions (your estate) go to the people and causes that you care about. If you have young children a Will can be used to appoint guardians and Trustees, to ensure that your children are taken care of in the way you would want.

 

A will can ensure that assets are kept within the family and are passed on down the generations, with a carefully-planned will, you can also cut the Inheritance Tax bill on your estate after your death.

 

Your will can be a way to let people know whether you would prefer to be buried or cremated, and the type of funeral service and music you would like.

 

Mortgage Today can recommend from a selection of Will providers, ask your adviser.

Setting up a Trust

 

Whilst having a valid Will may be sufficient to fulfil your needs, in some cases the use of one or more trusts could also prove useful to give you and your loved ones additional protection against a variety of issues, including the payment of excessive inheritance tax or having to pay residential care costs.

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Lasting Power of Attorney

 

Lasting power of attorney is a legal document that appoints somebody to make decisions on your behalf, by choosing your own representative you have the comfort of knowing that the person making decisions, about you, if you are not able to make them for yourself, is someone that you know and trust.

 

There are two distinct forms of Lasting Power of Attorney that you will want to consider either individually or together dependent upon your particular circumstances

 

 

(a) Health and Welfare – this Lasting Power of Attorney can only be used when you cannot make decisions for yourself. You can choose one or more people to make decisions about things including (i) your daily routine (for example, eating and what to wear); (ii) medical care; (iii) moving into a care home; and/or (iv) refusing life-sustaining treatment.

 

(b) Property and Financial Affairs – this Lasting Power of Attorney can be used at any time. You can choose one or more people to make decisions about things including (i) paying bills; (ii) collecting benefits; and/or (iii) selling your home.

Solicitors

 

Mortgage Today has relationships with several trusted solicitors, for conveyancing, and through those relationships can guide you towards experts in family law, employment law and criminal law.

 

Timber and Damp Specialist

 

Mortgage Today can help you choose a suitable timber and damp specialist, in your area.

Equity Release/Lifetime Mortgages

 

Equity Release products are designed for people over 55 to take cash value from their homes without having to move.There is a wide range of Equity Release products which can provide a valuable source of capital for some people.

 

Whether you are seeking a Lifetime Mortgage or a Home Reversion Plan, it is important that your adviser has the experience and knowledge to help you make the right decision. Mortgage Today can introduce you to our trusted partner, who will arrange a free, no obligation appointment to help you decide whether Equity release is right for you.

 

Commercial Finance

 

Investment, Trading Business, offshore, expats. Man types of finance do not fit for high street lenders and do not fall within the range of residential mortgages that Mortgage Today advises on. Specialists in this area, and many more, are available by referral.

Secured loans

 

Sometimes a short term loan is the solution and home owners can use their asset as security. This is different to the first charge mortgage that Mortgage Today advises on but we have relationships with specialists in this field.

 

Remember your home may be at risk if you do not keep up repayments on a loan secured on it.

 

Independent Financial consultant With a range of  Wealth Management.

 

Mortgage Today has an ongoing relationship with experts offering bespoke wealth management solutions.

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