Financial Products (Direct) in Newark

Nottingham Office:

Bridgford Business Centre

29 Bridgford Road

West Bridgford

Nottingham

NG2 6AU

Newark Office

Northgate Business Centre

38 Northgate

NG24 1EZ,

we can help you with all your Financial Planning Needs. Dales Independent Financial Advisers , we can help you find the right Fixed, Tracker or Variable rate mortgage, Buy to Lets and remortgages. Life cover quotes which are available online via our online comparison system, annuity quote system online.

DALES are Independent mortgage and financial advisors. We'll help you find the best mortgage on the market, we wade through the multiplicity of mortgage deals and find the one thats right for you. With over 15 years of experience we've come across most situations, why not call us today to see if we can help?

First Time Buyer Mortgages: As a first time buyer looking for your first mortgage it can be a bit of a nightmare, with all the different costs, types and terms to understand. Our Mortgage Advisers have access to the whole of the market, not just the high street and will guide you though the process from offer to completion.

Remortgage Advice: Remortgaging at the end of your deal can be a pain, trawling through the internet, ringing through different lenders to find the best deal. A DALES mortgage advisor does this for you, we'll do the leg work and find the best deal for you, so you can get on with your busy life.

Home Mover: We move home for many reasons, a new job, a growing family or maybe the children have flown the nest. In most cases we need to sort the mortgage and the finances need to be right. DALES are here to help, fixed, discount, tracker we have access to the whole of the market so we'll find the right one for you. We can also help with arranging a let-to-buy or bridging finance if needed.

Buy to Lets: Now is an ideal time to consider a buy to let property, the rental market is strong, especially locally, with Nottingham and Newark enjoying good demand for rented accommodation. Buy to let mortgage criteria can vary widely between lenders, we'll help find the best deal for you whether it be a standard buy to let based on rental income or a regulated buy to let.

So why save money?

There are many reasons to save for the future - perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt? Whether you place your money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure.

When planning your finances, it is important to distinguish the difference between savings and investments.

Savings

Savings are generally funds that you set aside, but can access relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car. The most common way of ‘saving’ is into a bank account (‘deposit’ account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back (short of a bank collapse!), and possibly some interest.

Investments

Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time, and should not consider investments unless you have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your savings.

PN Dales can discuss with you, the benefits of each type of saving and offer the best solution for your needs / situation, whilst explaining in detail the associated returns, risk or volatility.

Pensions are, of course, designed to enable you to save sufficient money to live comfortably after you have retired from work.

There are many different 'tools' used to save for retirement and the taxation and investment elements of pensions can appear baffling. We specialise in explaining, recommending and monitoring pensions for you. Below are the most common sources of pension to fund for your retirement.

The Basic State Pension

For people who have paid sufficient National Insurance contributions while at work or have been credited with enough contributions.

Additional State Pension

The additional State Pension is known as the State Second Pension, reformed to provide a more generous additional State Pension for low and moderate earners, carers and people with a long term illness or disability.

An Occupational Pension (through an employer pensions scheme)

If your employer operates a pensions scheme, it's usually a good idea to find out about the benefits of the scheme.

A Personal Pensions Scheme (including Stakeholder schemes)

Open to nearly everyone and especially useful if you are self-employed or your employer doesn't run a company scheme.

State Pensions may not produce the same level of income that you will have been accustomed to whilst working. It's important to start thinking early about how best to build up an additional retirement fund. You're never too young to start a pension - the longer you leave it the more you will have to pay in to build up a decent fund in later life.

What is an annuity?

It is a regular income paid in exchange for a lump sum. Usually most people buy an annuity when they take their pension.

In essence they are a simple product, with a few options. You amass a sum of money throughout your working life usually via a pension, then traditionally when you choose to retire you take your sum of money to a life company and ask "How much income are you going to guarantee to pay me for the rest of my life, no matter how long I live?"

Annuity Quote

Use our tool at http://www.pndales.co.uk/annuities.php to find the best annuity available to you in your retirement... (opens in new window)

Annuities offer absolute security, no other product does this, it is suggested that 17% of Britons alive today will live to 100 years old.

regulated by the FSA: 496107,

Life Insurance, or rather Life Assurance

Not many of us like to think about our own mortality but there are fewer certainties in life, the only uncertainty is when!

Life assurance let's us ease the burden and make financial provision for our death.

Whether your looking to provide a financial safety net for your loved ones, make sure the mortgage is repaid, moving house and need top up your cover, or as first time buyer arranging life cover for the first time.

Income protection, or permanent health insurance to give it it's more technical term is an insurance policy which protects your income, if you are unable to work due to accident or illness.

The Income Protection Policy aims to replace your income in the event that you are unable to carry on the duties of your role (through illness or accident), either until your retirement date or you are able to return to work.

In many ways Income Protection is a very important cover, protecting the golden goose, and ensuring that, should we be unable to work through ill health, we not just afford our mortgage but also our groceries and maintain our normal standard of living.

Income protection differs from Critical Illness, in that it is not limited to a certain number of illnesses or conditions. The basic premise is that if you are unable to work, the policy would pay out an income, until you are either able to return to work or reach the end of the term of the policy - usually your chosen retirement age.

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Opening Hours: Mon-Fri 09:00-17:00, Sat 09:30-17:00