Independent Financial Advisers IFA Advisors IFA's Advice Equity Release Ellesmere Port Chester Birkenhead The Wirral Cheshire

IFA Independent Financial Advisers IFA's Equity Release Ellesmere Port

At BMS Financial Limited our aim is to ensure that you have the best possible financial advice when planning your personal finances in the short, medium and long term, both for yourself, your family and your business. We are Independent Financial Advisers, and as such we are obliged to give our customers 'Best Advice' about which products from which company best suit YOU.

Our financial services include a review of your existing arrangements

When was the last time your pensions, savings and life assurance plans were reviewed? As your personal circumstances change, there may well be a need to update your current plans in order to establish adequate financial provisions for the future. Personal circumstances change from time to time, so it is important to seek advice from your preferred financial adviser to review your current financial position.

Pensions and Pension Planning

What are your expectations for retirement? It is essential you regularly seek the advice of your IFA to review your pension options and expectations to make sure your retirement plans are on track.

• Click through to our main website for more information on Pensions

Investment Planning & Fund Management

Investing for growth and/or income through Unit Trusts, Bonds and Offshore Funds. As your IFA or Independent Financial Adviser, we will advise on the management of your investments portfolio.

Mortgages Re-Mortgages Moving House Commercial Mortgages

For Residential and Commercial purposes, we have up to date information and access to a wide range of Building Societies, Banks and Central Lenders' schemes from which we can draw to suit individual circumstances. Please remember, your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured on the property. For mortgages we can be paid by commission or a fee.

Our typical fee for mortgages is £120.00

Equity Release Mortgages

Equity release mortgages provide a way for homeowners to convert the value of their homes into cash, which could be paid as a lump sum or at intervals as required. Alternatively, it can provide a regular income.

The capital tied up in your home can be used for any purpose. However, these schemes are complicated and you should certainly take impartial independent financial advice before proceeding.

A typical fee for mortgage advice is £295.

• Click through to our main website for more information on Equity Release Mortgages

Life Assurance / Protection Cover

• Family Protection, Mortgage / Loan Protection and Business Protection
• Income protection - Replacement income in the event of Sickness, Accident and Disability
• Critical illness protection - Provides a Cash Lump Sum on Diagnosis of a serious illness such as heart attack, stroke, cancer, etc. or total disability
• Business & keyperson protection - To protect a business from the effects of losing a Key Director
  or Key Employee through death or illness
• Savings plans - Various schemes to plan for future requirements such as children's education,
  wedding expenses, 18th or 21st birthday present, deposit on a first home or any other purpose
• Annuities - Capital investment to purchase a guaranteed income

This page is just a brief outline of the financial services we offer independant advice on. Please call us or use the links below to e-mail us or to visit our main web site for more information.

• Alderley Edge

• Alsager

• Altrincham

• Birkenhead

• Bramhall

• Cheadle

• Chester

• Congleton

• Crewe

• Ellesmere Port

• Frodsham

• Holmes Chapel

• Hyde

• Knutsford

• Macclesfield

• Malpas

• Middlewich

• Nantwich

• Northwich

• Runcorn

• Sandbach

• Stockport

• Tarporley

• Warrington

• Widnes

• Wilmslow

• Winsford