Products and Services

 

Protection

Whether it’s mortgage, family or business protection, at The David Smyth Practice we can offer advice on a variety of protection needs.

 

Sourcing the right protection is all about providing peace of mind. We make this easy by delivering access to different types of protection plans to suit your needs.

 

We provide protection for:

  • Family

  • Mortgage

  • Business

  • Income

 

Investments

Given varying circumstances and attitudes to risk, it is vital that our advisers are able to offer genuine choice. The investment panel offers exactly that.

 

Our advisers have access to:

  • NISA’s

  • Investment bonds

  • Investment Accounts

  • Discretionary Fund Managers

  • Structured Deposits

 

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

 

The David Smyth Practice charge a fee of 3.75% intitial charge of the sum invested, or an amount equal to 50% of the first 12 months contributions for regular premiums and 1.25% ongoing.

 

Pensions

Whether you are looking to save for retirement or provide an income, we will access to a range of products from our highly regarded pension providers that will help, to ensure your needs are met.

 

Individuals and businesses can benefit from the numerous schemes and products available - regardless of whether you are seeking a stakeholder pension, SIPP, Group Scheme or one of our many other options.

 

The David Smyth Practice charge a fee of 3.75% intitial charge of the sum invested, or an amount equal to 50% of the first 12 months contributions for regular premiums and 1.25% ongoing.

 

Mortgages

We offer  a comprehensive range of mortgages from across the market, providing access to some exclusive deals and competitive rates.

 

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

 

A fee of a maximum of £399, or 1% of the loan amount if greater, is payable on application.  Typically this will be £399

 

Whether it’s residential, buy to let, or commercial that you require the mortgage lender will offer a combination of choice and stability.

 

We have exclusive products from a wide variety of lenders. You can be sure you’ll hear about the latest deals and have access to them as soon as they become available.

 

We put a huge emphasis on training and competence, ensuring all our advisers offer trusted face to face advice.

 

We offer mortgages for:

  • 1st Time Buyers

  • Home Movers

  • Remortgages

  • Buy to lets

  • Equity release

 

Buy to let and commercial mortgages are not regulated by the Financial Conduct Authority.

 

Annuities

We have a range of options to select the best type of income for your retirement.

 

Whatever your needs our advisers can help you make an informed choice, from the range of products we have access to including enhanced, asset backed and short term annuities.

 

General Insurance

By taking advantage of our General Insurance panel, we can offer our clients value-for-money and maximise the cover they require.

 

Our online system gives us access to new products and helps deliver a more competitive proposition for a wider range for clients.