Try a New Method of ‘Saving’

At the end of each month, if we’re lucky, some of us will have had more money go into our bank account than has gone out.  It’s good to have extra cash in case of an emergency, but once we get more than we know what to do with we’ll sometimes blow it on things we don’t really want or need.

 

If your mortgage allows, it might be worth considering paying more than your normal instalment each month.  We don’t usually consider a mortgage to be a savings product, but by paying it off quicker it has a similar effect to your overall financial position as saving at an interest rate equal to that of your mortgage.  There are another two bonuses that come from making overpayments.  The first is that on average you should end up remortgaging fewer times in your life, which means you won’t have to fork out for as many arrangement, valuation and solicitors fees.  It also means that you’ll be applying for a lower loan to value mortgage each time, possibly making you eligible for the better deals as the equity in your property rises.  Having too little equity in your home has been a real problem in the last year with the recent fall in property values.

 

A variation of this idea is the offset mortgage, whereby your bank account is linked to your mortgage account and interest is calculated on the difference between the two balances.  The product we’ve all probably heard of is ‘the mortgage shrinker’ from the One Account, and while it is not quite as magical as the man off the television makes it look, it could he an attractive option for some people.  The offset mortgage however, requires a lot of self-discipline and would not be suitable for many.

 

With the recent fall in interest rates, some people may have seen their repayments fall dramatically and are enjoying the extra money they have in their pocket.  However maybe this is the time when they should take advantage of being able to reduce the outstanding balance.  Interest rates won’t stay low forever and people may be kicking themselves when they do rise because they never took advantage of the opportunity to get their outstanding balance down.  It may not seem like the most exciting thing to do with your extra cash, but at least it means you wouldn’t feel the pain as much if interest rates were to go back to the levels they were at a few years ago – or even worse if they rose to double figures like they were at during the late ‘80s and early ‘90s.

 

Before you start increasing your mortgage payments you should look at all your debts, credit cards and overdraft facilities and pay them off in order, starting with the one with the highest rate of interest attached to it.  Some people, without thinking about it, will have a debt of say £1,000 on a credit card and have £1,000 sat in a savings account.  By leaving it like this, they are basically throwing money down the drain.

 

It’s good to review your financial arrangements regularly to ensure you make the most of your money and it may be worthwhile contacting an Independent Financial Adviser who specialises in mortgages to help you obtain the mortgage that is most suited to your needs.  Kieron Bassett Financial Services has two Independent Financial Advisers.  Contact us on (01524) 832057, via e-mail, info@kieronbassett.com, or log onto www.kieronbassett.com/cms.

 

Jason Hinde CertPFS

9^th November 2009

Mortgage Add-Ons

When buying anything from a car to a kitchen we tend to find that we have to pay extra for a certain trim or finish.  It can be annoying to find that what you would have regarded as standard is classified as an extra.  So often we find ourselves having been attracted to a product because of its price, having to pay so much in extras that a previously more expensive product that incorporates the extras now appears to represent good value.  Unfortunately by the time we have discovered this we may have already committed to the product with all the extra costs.  So we end up perhaps not getting such a good deal after all.

 

Obtaining a mortgage can be a similar experience in terms of coping with extra costs and charges that are added to the loan.  Therefore it is important that as much groundwork is done as possible before committing to a loan to help avoid making expensive mistakes.  To assist you it could be worthwhile using an Independent Financial Adviser to help you obtain a number of quotes so that you can examine all the pros and cons of each deal.   

 

Things to look out for having already selected whether you are opting for a fixed or variable rate are booking fees.  These are fees lenders charge to buy into the mortgage and costs can vary from a few hundred pounds to a few thousand pounds.  So it is imperative that you weigh up these figures.  It may make sense to select a mortgage deal that has a much higher interest rate than the best headline rate because the higher rate is offset by a much smaller arrangement fee.  Also when paying your booking /arrangement fee it is worth considering whether you want the fee added to your loan or subtracted from it.  Most lenders tend to add it to the loan, and in fairness most borrowers prefer this as it increases cash flow.  However if you have spare capital available it is worthwhile considering having the fee deducted from the loan, as you can make savings on interest charges during the term of the loan.  

 

Other additional charges to consider include the cost of valuations and charges levied for insuring your property elsewhere.  Some lenders will grant you a free survey and others will charge you hundreds for a survey.  I believe that many lenders deduct a large administration fee from the survey, and that this is the reason why survey fees are so high with many lenders.  With regard to buildings cover some lenders are happy for you to make your arrangements and charge no fee whilst others will make you pay for not insuring with them.  Even when you come to pay your mortgage off you are not free of fees with some lenders charging over £200 more than others for closing down the mortgage.

 

Finally it is important to know the basic terms of the loan as to whether it is portable or not.  I am getting the feeling that some old practises are resurfacing with a few lenders not allowing portability of your loan.  This means that you will have to pay a penalty on your existing mortgage if you are in a deal, and then take out a new one with the extra setup costs.  So before committing to any mortgage product it is worthwhile working out all the underlying costs of the mortgage.  This will ensure that the market leading rate that attracts you does not have any nasty surprises.  To help you achieve this you should consult an Independent Financial Adviser (IFA).  Kieron Bassett Financial Services are an Independent Financial Advisers and we are open six days a week.  Contact the office on (01524) 832057 or via e-mail info@kieronbassett.com to arrange an appointment.

 

Kieron Bassett CertPFS

2^nd November 2009

The Mortgage Market Review

Would you lend money to somebody who had a bad reputation for not paying people back?  Or somebody who would really struggle to pay you back because their income is too low?  Not many of us would.  In the past the mortgage market has been very different, sometimes less questions were asked than we would ask ourselves if it were our own money. 

 

In recent days the FSA have published a mortgage market review with the aim of restricting how money is lent to homebuyers.  Included in the report are proposals to ban self-certification mortgages, where borrowers do not have to prove their income.  Those who have not had to prove their income when applying for a mortgage make up a much higher proportion of borrowers that go into arrears or are repossessed than they should.  It doesn’t seem fair to refuse mortgages to those who can’t prove their income, but in hindsight it seems pretty obvious that if somebody doesn’t have to prove their income, they are more likely to stretch the truth a little.

 

The FSA has also discussed reducing the maximum amounts lent to borrowers based on both their income levels and what they can afford month to month. 

 

The new proposals could be a setback for potential first time buyers who have been saving, only to find lending policies are about to change.  They may have to continue living at home or renting for longer than hoped.  It will be disheartening for those who have set their minds on purchasing a property quickly, but this is only because of the trend in recent years for first time buyers to be able to buy a property with little or no deposit.  Many of the younger generation will not be aware of a time when people had to save long and hard to buy their first home.  Although this may seem like a daunting task to take on, first time buyers should be in a better position to repay what they owe and hopefully have built the discipline to manage their money more responsibly.

 

Although many of us think that we can keep to a budget that we make, in practice it can be more difficult and we spend a little more than we planned.  So maybe borrowing money at our very limits of affordability, isn’t the best thing to do.  If asked to make a budget, it is easy to reduce your outgoings on paper to make a mortgage repayment fit, but we may not leave any room for the simple things that we enjoy, like going to the pub on a Friday after work or treating yourself to some new clothes.

 

The mortgage market review could make it more difficult to obtain a mortgage in the future and it is worth contacting an Independent Financial Adviser who specialises in mortgages to help you obtain the mortgage that is most suited to your needs.  Kieron Bassett Financial Services has two Independent Financial Advisers.  Contact us on (01524) 832057, via e-mail, info@kieronbassett.com, or log onto www.kieronbassett.com/cms.

 

May I finish by saying thank you and farewell to Adam Elkin who has recently left us after being part of the team here at Kieron Bassett’s for 10 years and we all wish him well for the future.

 

Jason Hinde CertPFS

26^th October 2009

Good Trends

There are very positive signs that lenders are returning to the market with positivity this week. Competitive rates are available for both high and low loan to value products, but you must be squeaky clean to make the grade for these competitive deals.
There is a lot of uncertainty over whether interest rates will rise at the moment as we are all sure that rates will not fall. To this end lenders have responded by offering low interest rate tracker mortgages, which will rise when rates rise but having a different set of rules when it comes to fixing rates.
HSBC offer the lowest rates, starting at 1.99%. My response to this great headline rate is wow! However, HSBC are apparently turning down 70% of applications. I can’t be sure of the status of the 70% but I guess HSBC’s criteria to lend is strict. And, why not, they are offering the best rate in the market. Santander and Coventry Building Society have launched similarly good variable rates. The Coventry deal, in my opinion is a real winner. There are low fees, in this environment deals with fees of less than £1,000 are rare, a competitive rate of 3.4%, and, for me, most importantly, there are no fees should you wish to repay the mortgage.
If you are being charged a variable rate of interest, then the ability to switch deals with no penalty is, in my opinion, very important. Fixed rates are currently much higher than variable deals. For a lot of people it could make sense to pay the lender’s variable rate until such time as rates start or appear to start rising. Then, make the switch to a fixed deal. This system is not foolproof, but if rates stay low for more than 18 months I suggest that paying a variable, rather than a fixed rate, will prove profitable.
This is not good news for first time buyers. First time buyers invariably benefit more from a fixed rate due to their inexperience budgeting for costs. They have either moved away from parents or been paying a fixed level of rent. Variable rates are also not suitable due to first time buyers often being at the limit of their affordability. The Coventry Building Society have thought of this too. Their latest deal is a low fee five year fixed rate of 5.99%. This is the market-leading 90% loan to value deal, without a shadow of doubt. There are a couple of caveats. Parents must hold a mortgage or savings account with the Society for their siblings to be able to obtain mortgage finance.
I believe this to be prudent business from the lender who is not asking parents to be on the mortgage but certainly asking for them to have an affinity with their child’s purchase. Essentially, the lender is asking parents to be involved. This invokes a level of responsibility from the parent. A good thing in my opinion if this results in lower interest rates and more competitive deals for buyers and remortgagors.
If you want to know which mortgage is the most competitive for your needs then contact an Independent Financial Adviser (IFA). Kieron Bassett Financial Services have two IFAs and are open 6 days a week.

Ring me on (01524) 832057 or contact me via e-mail, adam@kieronbassett.com.

Adam Elkin DipPFS
18th September 2009

Protect Youself Against the Downturn

This week I was looking at a policy that was taken out in the 1930s.  The plan’s aim was to provide a lump sum to a child’s parents if he died during childhood, and this money would have been enough to provide for his funeral.  This got me thinking that even though families in the 1930s generally had less disposable income they placed a higher value on protection than we do today.  However, it could also be argued that as they could not afford to self insure they had to buy a policy.  This may be so, but they did seem to be prepared to make significant sacrifices to protect their families, as they had less disposable income than we have today.

 

Many people in 2009 have higher levels of debt than previous generations and these debts remain unprotected.  In this respect we are less well insured than our grandparents.  Purchasing life cover does not appear to be a priority, but why is this the case?  I believe that the welfare state, through healthcare has helped life expectancy to improve over that last 60 years, and benefits paid to families after bereavement have helped them to feel less vulnerable.  Also, in the private and public sector, pensions have often had attached to them generous levels of life cover that have added to families feeling of wellbeing.  Unfortunately, I believe that savage cuts will be made in the public and private sector in the near future, and many benefits will be cut.  This will then perhaps lead us to become come more self-reliant like our forebears in actively buying protection products.

 

I think it is vital that families take time to consider how much of a short fall that they would suffer in terms of repayments of loans and living standards if the breadwinners in the house were to die.  By reviewing protection needs on a regular basis you could for example, be aware of policies that may be expiring in a couple of years time, that you may wish to review.  This may leave you to think about renewing you policies now rather than later, as your health may have deteriorated by the time the original policies ends and cover could be more difficult to obtain.

 

Life cover today is probably a lot cheaper than the 1930s and the market is both innovative and competitive.  For example a 30 year old non smoking male taking a level term policy out over 25 years for £100,000 would only have to pay £6.67 per month for the policy term.  Even if £10,000 of critical illness cover was added to this policy the premium would only increase by £3.04.  To sum up it is worth while consulting an independent financial adviser who can help you obtain the right level of cover to protect you during these difficult times.  Whatever level of protection you require, it pays to consult an Independent Financial Adviser (IFA) who specialises in this area.  Kieron Bassett Financial Services have two IFAs.  Contact us on (01524) 832057, via e-mail, info@kieronbassett.com, or log onto www.kieronbassett.com/cms.

Outlook for the Housing Market

It has now been a year since Lehman Brothers went bankrupt and the rest of the financial community had a collective heart attack.  The Banks had then realised that the game was up and you could not be considered too big to go bankrupt.  Unfortunately the demise of Lehman Brothers led to other large corporations failing soon afterwards, and governments around the world had to launch rescue packages to avoid total financial meltdown.  It has been argued that if Lehman Brothers were rescued a feeling of security would have run through the Banking sector and confidence would not have drained away so quickly.  Unfortunately this did not happen and the Banking bailout is probably more expensive than it should have been as a result of the American government’s actions.

 

These events starting off on the other side of the Atlantic have had a shattering effect on our economy and particularly on the housing market.  House prices had just stopped rising after many years of growth in the early part of 2008, and we were hoping for a period of time were house prices would just tread water for a few years, as affordability was becoming a big issue.  All these hopes were dashed as lenders after receiving Government support hoarded money, made staff cuts and maximised profits.  The market was being starved of cash causing the market to almost seize up at the back end of 2008 and the early part of 2009.  This impacted on house prices significantly as cash became king and the few buyers around were able to squeeze vendors.

 

In recent months house price statistics have started to look favourable again with for example the land registry recording house prices rising 1.70% in July.  So are we entering a new phase of house price growth or are recent statistics just a false dawn.  Looking at the bigger picture the land registry has indicated house prices are down 16.7% since January ‘08 with the drop over the last year standing at 8.7%.  It could be argued that the volume of house sales is still low and recent rises are due to a lack of supply in the market.  This may be due to potential vendors delaying putting their houses on the market due to job insecurity, or maybe tight lending criteria that makes it difficult to borrow what you could a couple of years ago.  Other factors could be due to a slowdown in house building.  It is well known that builders became obsessed with building flats in the boom years, but perhaps did not construct enough family houses and they are certainly not building them in big numbers at the moment.

 

However, I feel that it is reasonable to buy now provided you are buying for the long term as I can see the annual house price index turning positive over one year in the near future.  This continued house market recovery will in my opinion take place so long as interest rates remain low and we do not have any major market shocks.  However I can see problems in the future when interest rates start rising after the election and the government starts to tackle public spending that will probably lead to higher unemployment and some repossessions.  Although these events will affect the market I think new lenders and a lack of supply due to a lack of new properties will help guard against the sort of drops we have experienced in the last couple of years.

Bank of England’s Big Decisions

The Bank of England (BoE) and their interest rate decisions are starting to fill the minds of many of my clients.  I am being asked my opinion on the likely future of interest rates more frequently than ever before. 

 

The reason interest rates are such a hot topic at the moment is due to the differential between tracker/variable rates and rates which are fixed.  The margin, which can be as much as 2.4%, (equivalent to £200 per month for a £100,000 interest only mortgage) is greater than I have seen in my 10 years in this industry.

 

There seems to be a conception among many of my clients that the BoE base rate won’t rise significantly and The Government won’t allow it to return to the recent average rate of 5-6%.

 

This, I believe, is a mis-conception as the BoE base rate will definitely rise, we just don’t know when.  It is only a year ago that The BoE base rate was 5%.  Rates were cut so drastically that they fell from 5% in October 2008 to 0.5% in March 2009.  The cuts were drastic as our economy was in meltdown.  At some point in the future when we are into a recovery cycle I believe rates will return to “normal” levels.

 

I do have two caveats to the above.  There is the possibility that the economy will be in a slump for many years and inflation may stay very low or even be negative.  This would be a similar position to the Japanese economy which has been virtually neutral for more than a dozen years.  In this environment The BoE base rate would stay low and mortgage rates would decrease as the long-term outlook for rates became more determined.

 

The other alternative, rates rising sharply and significantly, is also viable.  There has been more than £125 billion pumped into the economy since The BoE launched the quantitative easing program in April 2009.  When more money swashes around the economy inflation generally increases.  The BoE’s monetary policy committee have a primary objective to keep inflation at or around 2%.  If inflation soars the BoE will increase The BoE base rate to try and maintain their target level.  Interest rates have been as high as 15%.  They were extraordinarily high rates.  We currently have extraordinarily low rates.  If the economy dictates that The BoE should increase rates they will do. 

 

The BoE will make their decisions for the long-term stability of the economy and if that means interest rates of 10% or interest rates of 0% then so be it.

 

There will always be winners and losers with interest rate decisions.  Mortgage holders benefit considerably in environments with low rates and savers profit when rates increase.

 

The advice that you should only opt for a variable/tracker rate mortgage if you can afford for rates to rise holds true even when the margin between those and fixed rates is as considerable as it is currently.

 

It is imperative that you seek independent financial advice to allow you to make an informed choice and understand the pros and cons of different types of rates.  For example, 2 year fixed rates are currently quite low, maybe around 4%, with 5 year fixed rates at 5.69%.  For many people the 5 year fixed rate will represent better value due to the security it affords over the 2 year deal, which may have to be renegotiated at a time when rates have risen.  At least 5 years gives you more time to plan for rates rising and benefit from wage rises.

 

Kieron Bassett Financial Services have two independent financial advisers.  To make an appointment, or discuss your circumstances over the phone, ring me on (01524) 832057.  Alternatively send me an e-mail to adam@kieronbassett.com.

 

Adam Elkin DipPFS

6^th September 2009

Flexible Mortgages

The trend over recent years has been to apply for a fixed rate mortgage over either 2 years or over 5 years, with an equivalent tie-in period.  This type of mortgage has been the mortgage of choice for most homeowners and remortgagors.

 

As mortgagees near the end of their current tied-in period many are finding that it makes more sense to remain on their lender’s standard variable rate (SVR) rather than renegotiate a fixed or alternative discount deal.  There are a number of lenders whose SVRs are below 3%.  There are also many lenders who have kept their SVRs artificially high to allow their savings rates to remain attractive.  The building societies and Abbey are the main culprits within this category.

 

If you are taking a new mortgage, fixed rates over 2 years start at 4.1% but increase significantly to 5.7% over 5 years and 6.5% over 10 years.  Fixed rates provide the borrower with safety and security over the period of the fix but are offered at a premium to a variable rate mortgage, whose rates start at around 3% for new mortgages.

 

The disadvantage of variable rates are not only the generally high arrangement fees for those rates around 3% and the exposure to interest rate fluctuations, but the Early Repayment Charges imposed over the two to three year period of the deal.  Over the last couple of years interest rates have fallen to historic lows and with the Quantitative Easing (QE) measures taken by The Government, inflation could force interest rates up equally as quickly over the next couple of years.  An interest rate rise of 5% would increase payments for a £100,000 mortgage over 25 years by £420 per month.

 

Since mortgages became harder to come by and as interest rates have been low clients, both buyers and remortgagors, have asked me for a deal with no Early Repayment Charges.  This type of mortgage simply hasn’t been available. 

 

Perhaps we are now seeing an easing in the availability of finance, with not only a flexible deal being launched but with a competitive rate and low fees.

 

The Coventry Building Society have launched two Flexible products, under their “Flexx” range.  The deals restrict lending to 65% or 75% of the property’s value and charge a current rate of 3.5% or 4.15%.  Fees are £499 (with £199 payable up front) and the Coventry Building Society will also pay for your legal costs of remortgaging.  The main feature of this mortgage, in my opinion, is the ability to repay the mortgage at any time without being penalised.  This allows you to switch to a fixed rate if rates appear to be rising quickly, or lock into a low fixed rate if they fall.

 

You should have a discussion with an Independent Financial Adviser (IFA) who will help you decide on the most appropriate mortgage. 

 

Kieron Bassett Financial Services have two IFAs.  Contact us on (01524) 832057, via e-mail, adam@kieronbassett.com, or log onto www.kieronbassett.com/cms.

 

Adam Elkin DipPFS

20^th August 2009

UK markets to learn from beleaguered car market

Most lenders continue to restrict the supply of mortgages to consumers, and in my opinion these actions are holding back the recovery in the housing market. For example, first time buyers have to raise 10% deposit and suffer high interest rates of over 7%.  These rates have lead to accusations of The Banks profiteering and stalling the market as potential homeowners resist paying these high rates and incredibly expensive arrangement fees, of in excess of £2,000 in some cases.

 

The Banks argue that they are pricing for risk, but even for people with higher levels of equity good track records and secure employment, mortgage rates are often in excess of 5.5% for long-term fixed rate mortgages.  The buy to let sector suffers a similar fate to the two other areas mentioned above.  There are even fewer players in this market than in the mainstream market with just a handful of lenders operating.  Of course this leads to even higher arrangement fees and more uncompetitive rates.  In turn this leaves investors, even with big deposits, turning their backs on the market, as due to high interest rates they cannot make the figures work.

 

Overall, the current lending policy contributes significantly to a stagnant housing market, with the prospect of this continuing for the foreseeable future.  We do not even have the silver lining of investors receiving higher interest rates as a result of the high rates being charged on mortgages.  Rates paid by the banks are miniscule.  So, due to the lack of interest being paid, less money is going back into the economy.  As a taxpayer I cannot help but feel aggrieved that having contributed in bailing banks out last year, I am still being made to suffer as they make excessive profits on both savings and mortgage accounts.

 

However, thankfully change is in the air as the margins made by the banks have not gone unnoticed.  The investment house M&G have established a fund that aims to lend one billion pounds to medium sized businesses.  It is called the UK Companies Financing Fund and the fund is available to British companies suffering from the collapse in bank lending.  It is likely, if this proves successful, then other investment houses will follow suit.  Also, perhaps more ominously for the banks, The Bank of China has entered the UK mortgage market.  This Bank is the third biggest in the world and growing rapidly. I t also intends to lend only money that it holds on deposit and not get involved with complex financial instruments to lend.  I suspect it is awash with cash otherwise it would not be entering the market with such low rates.  It is offering base rate tracker mortgages  for the  life of your mortgage at only 2.5% over base rate meaning the current rate payable is 3.00% with only a one year tie in, and for buy to lets the rate is 3.5 %. Admittedly at the moment it is cherry picking the market as it only lends up to three times income and a maximum of 60% loan to value.  But I believe this new lender could help to galvanise the mortgage market.  It could awaken the banks to the prospect of competition and force them to engage with their clients. They have, in my opinion, a stark choice to either accept lower margins now while they still control the market, or stagnate and let others gain market share.  If they choose the latter they need to be aware of the history of the car industry in the UK that did not listen to what consumers wanted, and as a result is a shadow of it’s former self.

 

Kieron Bassett Financial Services have two Independent Financial Advisers who can assist and recommend the most appropriate product for you. Contact us on (01524) 832057, via e-mail, info@kieronbassett.com, or log onto www.kieronbassett.com/cms.

Is Quantitative Easing Working?

Quantitative Easing (QE) is the Government’s way of putting money into the economy by buying gilts from investors.  To date they have bought £122bn of gilts.

 

If we assume that the cash the Government uses to buy the gilts ends up in the British Banking system.  If this is the case then the banks are happy as they have a higher ratio of customer deposits to loans, thus reducing the banks’ dependence on wholesale finance.

 

This is crucially important as it was the banks’ complete and utter reliance on wholesale finance which led to the near collapse of the British Banking system and the loss of Lehman Brothers.

 

Royal Bank of Scotland, last week, announced it’s intention to reduce it’s ratio of loans to deposits from 156% to 100% by 2013.  This equates to a reduction of £200bn in wholesale funding, so when RBS, and many other banks, receive cash their instinct surely is to sit on it and say, “Thank you.”

 

Lloyds Banking Group tell a similar story.  In the first 6 months of 2009 they reduced their loan to deposit ratio from 166% to 152% by increasing deposits by £20bn and reducing loans by £25bn.

 

This makes these two institutions much safer for their depositors than perhaps they were 6 or 12 months ago and it is a deliberate policy which is being helped in no small way by the Government’s QE policy.

 

There is little chance that the money will be put into the real economy any time soon.  If we look at the RBS again, the regulator has instructed them to increase their “liquidity reserve” from £90bn to £150bn.  To do this they will likely buy gilts with the additional cash, thus one lot of gilt purchases by the Government spurs another by the banks.  This is great news for the Government who would like to reduce the public-sector deficit but it does nothing to help us who would like more credit to be available in the wider economy.

 

QE hasn’t been a waste of time though, there would have been even less lending without it.  There are also signs that confidence is returning to banks, albeit not those based in the UK.  Bank of China, who have incredibly large reserves, are trying to break into the UK mortgage market.  They are offering common sense mortgages to all types of borrowers.  The small price to pay is an interview at a branch and that you bank with them.  Save me £1,000s a year or even give me a mortgage nobody else would and of course I’ll do that.

 

If you want to know which mortgage is the most competitive for your needs then contact an Independent Financial Adviser (IFA).  Kieron Bassett Financial Services have two IFAs and are open 6 days a week.

 

Ring me on (01524) 832057 or contact me via e-mail, adam@kieronbassett.com.

 

Adam Elkin DipPFS

10^th August 2009