Financial Services

When you choose to deal with Brian Holt Estate Agents you can rest assured we’ll be with you all the way; and that includes helping you sort out, plan and arrange your finances. We can help you with all of the following services:

Mortgages

The mortgage market is constantly changing and sometimes the sheer variety of products can be difficult to understand. At Brian Holt we know that taking out a mortgage is probably the biggest financial commitment that you’ll ever undertake; so great advice is essential.

Choosing the wrong type or borrowing more than you can afford on your mortgage can have serious consequences and put your future security in jeopardy. To make sure this doesn’t happen, we recommend all our clients and prospective purchasers take independent advice.

Over the years we have developed close links with a team of Independent Financial Advisors who will help you find the mortgage rate and repayment type to suit your individual circumstances.

There’s no charge for this service and all advisors work independently of Brian Holt. If you do find a mortgage product to suit you, and you take out an insurance policy, pension or ISA linked to your repayments, then your financial advisor will receive commission from the company involved.

Pensions and Financial Planning

Pensions are another potentially tricky area and good advice is worth its weight in gold. If you would like to review your current pension arrangements, or take the opportunity to review all your finances and investments, then we can point you in the right direction.

Whatever your current financial circumstances it is important to consider the following questions on a regular basis:

• What do you currently need in terms of income and capital?
• What are your long-term aims and needs and how are you preparing for them?
• How will inflation and interest rates affect your savings and your mortgage?
• Are you looking to take a risk with your savings, or do you just like to know they are secure?

Ask any of our staff about access to Independent Financial Advisors

Independent Financial Advice

These days, so many financial advisors are linked to banks or building societies it can be difficult to know which ones are actually independent. Being linked in this way means some will only recommend the products offered by the bank or building society they work with. While it is possible that this product is the best for your specific circumstances, the chances are a competing bank or building society is offering something better.

Brian Holt has always been completely independent and we believe truly independent advice is important in all aspects of the buying and selling of property.

We advise all our clients and potential purchasers to deal only with autonomous advisors and we’ll recommend the ones we think are the best. The independent financial advisors we work with deal with the entire market and don’t favour any one organisation. They make their decisions based on your needs and product availability, rather than on what they’re being asked to sell.  

The Legal Process

Buying and selling houses can be a daunting prospect if you don’t know what to expect. Our advisors are here to help guide you through each phase of the process as quickly as possible. We can also recommend appropriate solicitors and conveyancers to assist you with the legal requirements of your sale/purchase.

...for a less stressful move