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Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. We provide mortgage advice which is individually tailored to your particular situation. We have access to a comprehensive range of mortgages from across the market.

We will act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you. We will liaise with your solicitors, your surveyors and your estate agents* in order to ensure a smooth and stress free transaction.

*The services promoted here are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. These services are not regulated by the Financial Conduct Authority.

We offer an efficient, no obligation service, with guidance on how best to acquire your new home or investment property (some Buy to Let mortgages are not regulated by the Financial Conduct Authority). We can also manage re-mortgage requirements and debt consolidation when the time is right to change.

Our aim is to help you through the process and to avoid unnecessary expense and frustrations.

The fee for arranging a mortgage is £399 but the cost for our initial meeting is met by us. Under certain circumstances, we reserve the right to charge up to 1% of the loan amount, typically this will be £399. We will provide you with written confirmation of your fee prior to the commencement of any chargeable activity.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Some buy to let mortgages are not regulated by the Financial Conduct Authority

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Everyone has a level of assets they should insure to protect themselves, their family and their estate. Our knowledge allows us to design and implement a comprehensive safety net.

Life can be unpredictable and may not always go to plan. The David Smyth Practice is here to help secure everything you’ve worked for. We’ll build a picture of your assets and calculate the impact on you and your loved ones if anything were to happen. Insurance can assist with a wide variety of circumstances from maintaining your lifestyle should you be unable to work to helping your family to pay the mortgage if the worst was to happen.

There’s also the day-to-day insurance that’s easily forgotten like protecting your home and personal possessions. Our advisers can meet with you to discuss what matters most – and ensure you have the right policies in place.

We have access to a variety of options available to safeguard against the worst happening. Our advisers are able to assess and recommend the right cover for you.

  • Life cover

  • Critical illness cover

  • Income protection

  • Accident and sickness protection

  • Building and contents cover

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Saving and investing for maximum tax efficiency is more likely to result in you achieving the financial freedom we all desire. Whether it is saving for a deposit for your first home, planning for a wedding or just saving for a rainy day, we are here to determine the most effective route to achieving your investment goals.

We have access to thousands of multi-asset investment funds, passive portfolios, sector funds and many more. The investment journey can be a minefield. What are the risks? What investments are right for me? We can eliminate this uncertainty and explain what is actually a fairly straight forward process when done correctly.  

The value of the investments and any income from them can fall as well as rise. You may not get back the amount originally invested.

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With life expectancy continually on the rise and expected pension age increasing accordingly, thinking about and planning for you retirement has never been so important. Not only are people living longer, but their lives tend to be far more active, with a greater spending appetite to match. The basic fact is that our income in retirement will need to support us for much longer than previous generations ever expected.

We encourage our clients to start retirement planning as early as possible. We view it as integral to proper, holistic financial planning. As part of our advice process, we will help you plan for your retirement to maximise your pension fund, select funds matching attitude to risk, ethical preferences and ensure that the right decisions are made at the appropriate time. Of course, when you reach retirement age and you want to start taking your benefits, we will be there to guide you through the many of options available to you.

The value of the investments and any income from them can fall as well as rise. You may not get back the amount originally invested.

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A detailed assessment of your existing assets and financial arrangements is vital before offering you tailored advice. With many options to choose from, we’re determined to find what’s right for you, and help you to achieve your financial goals in a tax-efficient way.

Our experienced team of advisers will explain each step of investing your money, before calculating a strategy built around you. We only consider regulated investments and use tax privileged accounts that are designed to maximise tax efficiency, ensuring you utilise all annual allowances and exemptions.

All costs and risks are explained to you upfront and in detail. That way you can discuss and choose from a variety of investment options designed to meet your needs. Depending on your requirements you can decide to meet with your adviser regularly to review and manage your investments.

The value of the investments and any income from them can fall as well as rise. You may not get back the amount originally invested.

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Having worked hard during your life and paid your fair share of taxes, you’re likely to want the wealth you’ve created to benefit those who matter most.

Solid estate planning advice is essential in ensuring as much of your estate is left to loved ones as possible, without being compromised by inheritance tax liabilities. Just calculating the value of your estate can be challenging enough. Our expertise is there to assist you throughout the process. We’ll recommend a strategy to help you leave a tax efficient legacy.

Crucially, estate planning should be part of everyone’s financial planning. We can offer expert advice that meets you and your family’s requirements, and are determined to arrange the right legacy for you to leave.

HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

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Without business protection, the death or serious illness of a key member of staff could have serious consequences for a business. Key Person Cover can protect against the following business risks:

· Recruitment costs to find a suitable replacement
· Loss of profits whilst the business is disrupted
· Paying any company sick pay to the key person if the claim is related to a critical illness
· Being unable to repay a loan
· Paying back a business overdraft
. Covering salaries, dividends or loan repayments

The proceeds of Key Person cover could help the remaining owners buy the affected individual’s share and retain control of the business.