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Address: 28 Cardiff Road, Taffs Well, Cardiff, CF15 7RF
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Telephone: 029 2081 1825
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Fax: 029 2081 3360
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Charging Structure: Commission based
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Business Areas: Commercial Lines, Commercial Mortgages, Group Protection, Life Assurance, Personal Lines, Personal Protection, Residential Mortgages
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Financial Qualifications: CeMAP
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Address: 2 Heol Isaf, Radyr, Cardiff, CF15 8AJ
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Telephone: 029 2084 3358
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Fax: 029 2084 3358
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Charging Structure: We accept payment by fee, commission or a combination of fee and commission. You can decide how you would like to pay us in advance of any chargable work undertaken.
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Business Areas: Equity release, Group Pensions, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Personal Lines, Personal Pensions, Personal Protection, Residential Mortgages, Retirement Planning, SIPP, Tax Efficient Investments, Unit Trusts
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Financial Qualifications: No records held.
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Address: 64a Glenroy Street, Cardiff, CF24 3JY
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Telephone: 029 2025 7003
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Fax: 029 2025 7004
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Charging Structure: As a Directly Authorised Independent mortgage advisor we will offer you an option as to our fees.
These will be agreed with you depending on your circumstances
1) NO Fee, We will receive commission from the lender
2) A Fee of &£163;445 Payable at the completion of the mortgage and Friendly Independent mortgages will keep the commission received from the lender or agents for arranging the mortgage.
3) A fee of &£163;2,000 is payable at the outset and the commission that is received from the lender or agent returned.
Treating Customers Fairly.
We promise to:
Treat you with respect at all times.
Speak with you at our office or in your home.
Make an appointment with you on weekdays, evenings or weekend to suit you.
All the information you provide us with will be treated confidentially.
Present the best mortgage and associated insurances solutions consistent with your present and future needs.
Undertake all form &£8211;filling if you wish.
Confirm your instructions in plan English.
Provide active help and support in the mortgage process.
Provide a Helpline service during office hours whilst you are a client of ours.
Adhere to FSA rules and guidelines at all time.
Handle any complaint in a professional manner.
FSA REGISTERED MORTGAGE BROKER
CCL No 513742 FSA No 300212
Your home may be repossessed if you do not keep up repayments on your mortgage. Be sure that you can afford the repayments on a mortgage before entering into a credit agreement
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Business Areas: Commercial Lines, Commercial Mortgages, Group Protection, Longterm care, Personal Lines, Personal Protection, Residential Mortgages
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Financial Qualifications: CeMAP
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Address: 55 Llewelyn Goch, St. Fagans, Cardiff, CF5 6HR
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Telephone: 029 2089 9521
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Fax: 029 2089 9521
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Charging Structure: Paying for services - Investments
Not all firms charge for advice in the same way. We will discuss your payment options with you and answer any questions you have. We will not charge you anything until you have agreed how we are to be paid. We have listed below the options available to you.
Paying by fee. Whether you buy a product or not, on completion of our work, you will pay us a fee for our advice and services. If we also receive commission from the product provider when you buy a product, we will pass on the full value of that commission to you in one or more ways. For example, we could reduce our fee; or reduce your product charges; or increase your investment amount; or refund the commission to you.
We will confirm the rate we will charge in writing before beginning work and we will tell you if you have to pay VAT. You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first
Our typical charges are:
Hourly Rate
Financial adviser £100 -£200 per hour
Reviews
We will confirm what we will charge you in writing before beginning work.
Paying by commission (through product charges). If you buy a financial product, we will normally receive commission on the sale from the product provider. Although you pay nothing up front, that does not mean our service is free. You still pay us indirectly through product charges. Product charges pay for the product provider¿s own costs and any commission. These charges reduce the amount left for investment. If you buy direct, the product charges could be the same as when buying through an adviser, or they could be higher or lower. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier. The amount of commission we receive will vary depending on the amount you invest and (sometimes) how long you invest, or your age.
For example:
&£61607; If you invest a lump sum of £10,000 in an investment bonds we would receive commission of 4.5% of the amount invested (£450.00) and 0.5% of the value of the fund (approximately £50) every year.
&£61607; If you pay £100.00 per month into a personal pension (with a term of 25 years) then we would receive 53.4% of the first 12 month's payments (£640.80) in the form of initial commission
&£61607; If you pay £100 per month towards a whole of life policy then we would receive 135% of the first 12 month's payments (£1,620) in form of initial commission
The commission noted above includes payment for any ongoing service such as a periodic or ongoing review
Paying by a combination of fee and commission (through product charges). In some circumstances, we may charge you a combination of fee and commission. The fee will not exceed the rates shown in this document. We will agree the rate we will charge before beginning work and we will tell you if you have to pay VAT. The fee will become payable on completion of our work. You may ask us for an estimate of how much in total we might charge. You may also ask us not to exceed a given amount without checking with you first. We will tell you how much the commission will be before you complete an investment, but you may ask for this information earlier.
Where we charge a combination of fees and commission, our maximum rates are set out in the fee information and the commission sections above. In addition to the above we may charge a fee on a different basis for a specific transaction or project but we will agree this with you in advance.
Paying for services - Insurance
If you buy a non investment insurance contract we will normally receive commission on the sale from the product provider.
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Business Areas: Direct Investments, Ethical investments, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Management of Investments, Personal Lines, Personal Pensions, Personal Protection, Retirement Planning, Structured Products, Tax Efficient Investments, Unit Trusts
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Financial Qualifications: CertMA, FPC1, FPC2, FPC3
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Address: Churchgate House, 3 Church Road, Whitchurch, Cardiff, CF14 2DX
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Telephone: 029 2052 9529
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Fax: 029 2052 1666
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Charging Structure: We operate on a fee basis or commission, or a combination of the two.
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Business Areas: Commercial Mortgages, Corporate Finance, Direct Investments, EIS, Group Pensions, Group Protection, ISAs, Investment Bonds, Investment Trusts, Life Assurance, Longterm care, Offshore investments, Personal Lines, Personal Pensions, Personal Protection, Residential Mortgages, Retirement Planning, SIPP, Tax Efficient Investments, Unit Trusts, VCT
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Financial Qualifications: CeMAP, CertPFS, FPC3
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