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MORTGAGE ADVISORS IN SLEAFORD, LINCOLNSHIRE, ENGLANDTHE FIDUCIA GROUP IN SLEAFORD, LINCOLNSHIRE, ENGLAND| PROTECTION, PENSIONS, INVESTMENTS, MORTGAGES | | | | Details: |
We are Fiducia - About Us
Fiducia Comprehensive Financial Planning
- The best way to predict the future
is to create it.
At Fiducia we offer what we like to call complete financial solutions. This means that whatever your circumstances and financial needs, we can satisfy them all under the Fiducia brand.
We are strong advocates of face-to-face advice and believe in delivering a service proposition that will be beyond your expectations ensuring that you never need to look elsewhere for your financial solutions.
You are the client and we commit to delivering what you want and not what is best for us which is why our highly trained financial consultants will always provide you with the most appropriate solution to meet your own personal circumstances.
Our menu of products and services cover the whole spectrum of the financial marketplace giving you access to major insurers, lenders and investment houses plus a wide variety of niche players.
The following are just some of the areas that we can provide expert advice on to ensure that you, your business, your family and your assets are protected, and to help you build a very secure future:
Family Protection Insuring against all eventualities such as death, critical illness, long-term sickness, accident and unemployment.
Retirement Planning Helping you plan for your retirement in the most tax-efficient way, utilising a range of personal and individual pension plans, stakeholder schemes, Self-Invested Personal Pensions (SIPPs) and other more complex vehicles.
Investment Advice Providing you with a complete range of investment options including ISAs, unit trusts, and onshore and offshore bonds from some of the UKs leading investment houses.
Mortgages Providing you with access to every part of the residential mortgage market, including many exclusive deals, and ensuring that you have the best mortgage to suit your own personal financial situation.
Business & Corporate Solutions From new start to retirement,
key-man cover, partnership protection, director share protection, group pensions, death in service, BUPA, commercial insurance to name a few areas many businesses overlook.
Fiducia Estate Planning Service
- in the right hands at the right time
Fiducia can provide you with everything from basic wills to complex trusts ensuring that your estate is protected in the event of death and that your assets are distributed according to your wishes.
Inheritance Tax Planning
Single or Mirror wills
Asset Preservation Trusts
2nd Death Discretionary Trust
Single Person Legacy Plan
Lasting Power of Attorney
Disabled Trusts
Advance Directives
Deed of Variation
Transfer of Equity
Severance of Tenancy
Lifetime Asset Trust
Shareholders Agreements
Partnership Agreements
Fiducia Wealth Management
- gives you the freedom to choose your future
Effective wealth management is a combination of sound financial planning and effective investment skills. We believe that money should simply be a tool: a means to achieve the peace of mind and quality of life you strive for.
For these reasons, we choose to make investment advice a core part of our service and have built a highly competent team and a robust set of processes to deliver an effective portfolio management service. By using investment management strategies that have been extensively researched and refined to work in both good times and bad, you can relax, knowing your portfolio has been specifically designed to cope with the inevitable fluctuations in investor sentiment. Such swings in value can be the undoing of those who become over-reliant on one investment asset or have failed to plan properly for such occurrences.
We have a very straightforward approach to investment planning: after agreeing investment objectives, defining future income and capital requirements and understanding the degree of investment risk with which you feel comfortable, our advisers work to design and implement a personalised strategy. These disciplines of forward-looking financial planning, robust portfolio construction and a tax mitigation strategy are brought together in our Fiducia Wealth Management services.
Fiducia Mortgage Solutions
- will ensure you get to where you want to be
Fidϊcias approach to mortgages is simple; we put you, the client, first. This enables us to create an individual solution to meet your mortgage needs. Fiducia Group Mortgage Solutions is your indispensable guide in finding the right mortgage for your dream property.
Your personal mortgage adviser
Fiducia Mortgage Solutions recruits only professionally trained, industry proven advisers with a reputation of delivering customer focused excellence. Award winning training and assessment ensures that our advisers are up to date with the latest developments throughout the financial industries and ideally positioned to best meet your individual needs.
The choice is yours
With access to the whole of the UK market, we offer thousands of different mortgage products, including exclusives available only through your Fiducia Group mortgage adviser. Our close working relationships with key lenders means we are able to offer a wide selection of mortgages to meet your needs, Including:
Re-mortgage Adverse
First-time buyers Self-build
Buy-to-let Second-time buyers
In addition to this, we have access through partnership to a wide range of specialist Overseas Mortgages, Secured Loans and Commercial Lending products. Through our advised service, finding the best product to suit your needs has never been easier, quite literally, the choice is yours.
What are the options?
Paying your mortgage is not as simple as it once was, our advisers will help you make an informed choice to suit both your lifestyle and budget. We have access to both Capital and Interest Repayment and Interest Only Mortgages.
Of course, your choice of mortgage will depend on the all-important interest rate; the options available to you through your Fiducia adviser offer a level of flexibility that allows you to take control of your finances. The choices available to you are:
Variable rate Fixed rate
Discounted variable rate Capped rate
Base rate tracker Collared rate
London Inter Bank Ordinary Rate (LIBOR) Flexible rates
Your Fiducia adviser will be happy to cover all of the above and provide you with all relevant information to make an informed decision. At the initial meeting, they will clearly disclose how we as a company are remunerated for the advice given.
Fiducia Commercial Solutions
- What makes us different?
We are the UKs only independent commercial finance broker that uses a true whole of market sourcing system Optimus Commercial designed and developed by our own IT team -
Fiducia Commercial Solutions can help you with commercial lending when:
The client requires an independent brokered solution
The deal has already been declined by a lender
The deal is complex
Where a deal looks to be heading for a dead-end, we try to find the right solution.
Our experts know the market place and will tailor the solution to the clients needs and drive a better deal for you.
We endeavor to obtain indicative terms within 48 hours.
We take the client to the lenders that want the deal, and obtain the best rate and terms.
We put the client back in control
Prime, secondary, non conforming and niche lenders available
Commercial Mortgages are available on a stand-alone basis at attractive rates from a variety of nationally known banks and building societies. Sectors covered, which each have their own individual market and criteria, are:
Owner-occupied factories, warehouses and offices
Loans up to 80% of valuation are available
Repayment term up to 25 years
Minimum loan £50,000 no maximum
Commercial Investment Property
Loans up to 70% of valuation
Repayment term up to 25 years
Better terms are available for substantial investments with blue chip tenants
Residential Investment Property
Loans up to 70% of valuation
Repayment term up to 25 years
Minimum loan £75,000
Hotels, Restaurants and Pubs
Loans up to 60% of purchase price
Repayment term up to 25 years
Nursing & Rest Homes
Loans up to 70% of purchase price
Repayment term up to 25 years
Professional Practices
Particularly attractive rates are available for this sector
Dentists, Doctors, and Vets.
Loans up to 100% of purchase price/ valuation
Retail Shops and Post Offices
Loans up to 70% of valuation are available
Repayment term up to 25 years
Bridging Finance
Loans up to 60% of the valuation are available
Up to 12 months
Available on most properties, including residential
Quick decision, and draw down in as little as 3 days.
In addition to Commercial Mortgages, we can also offer:
Asset Finance & Invoice Discounting
Marine & Aircraft Finance
New Trucks, Wagons and Car finance
Commercial & PI Insurance
Director Share, Partnership and Keyman Protection
Group Pensions Group Death in service & Group BUPA
Fiducia Business Partners.
We are delighted to announce Fiducia have teamed up with some of the best commercial solutions providers in the UK.
We can now help you or your clients with
Business Plans & Cash Flow Forecasting
Services are in 3 stages:
Research New or Existing Markets
Financials up-to 5 years cash flow forecasts.
Narrative - To back up financials
Health & Safety and Fire Risk Assessments
Health & safety management
Health & safety training
Risk assessment
COSHH assessment (Control of substances hazardous to health)
Health & safety audits
Fire risk assessments
First Aid training
Protect your reputation, your staff, your clients and your business
Foreign currency transfers
Holiday Home purchase or sale
Importers & Exporters
Emigration
Overseas property development
Worldwide
Private Health Insurance
Business and personal clients
Employee benefits schemes
Group Schemes
Transfer facilities
Business Efficiency Reviews
Cost savings analysis
Process analysis and re-engineering
Profitability reviews
Business efficiency reviews
Strategic planning
Leadership Management
Accountancy Services
Accounting Software and I.T.
Annual Accounts Preparation
Audits
Benchmarking
Book-keeping
Book-keeping Healthcheck
Business Growth
Business Healthcheck
Business Valuations
Company Formation
Company Secretarial
Contractors and IR35
Employee Remuneration Planning
Employment Status
Management Accounts and Information
PAYE Healthcheck
Payroll and PAYE Returns
Personal Tax
Property Tax
Tax Disputes
Tax Enquiries And Investigations
Tax Investigation Fee Protection
Tax Planning
Tax Returns and Self-Assessment
VAT Healthcheck
VAT Planning And Disputes
VAT Registration
VAT Returns
These superb additions complement our existing business partners
Commercial Insurance
Archaeology
Associations, federations and professional bodies
Aviation
Boat
Breweries
Caravan
Car hire excess
Charities
Commercial package
Commercial property
Contractors
Credit
Directors & officers liability
Entertainment industry
Equine
Farming & agricultural
Garden centres and nurseries
Haulage
Home
Hospices
Hotel
Jet ski
Legal expenses
Liability
Marinas
Marine cargo
Marine trades
Medical for employers
Medical for individuals
Military
Motor
Motor home
Nursing homes
Office
Photographic
Professional indemnity
Professional Liability
Pub
Residential and Care Homes
Restaurant Sailboard School
Shop
Skip Hire
Sports and Leisure
Surgery
Technology
Trailer
Trailer tent
Travel
Travel Industry
Wedding
Employment Services
Employment Law
Health & Safety
Litigation
Advice Line
Translation Services
Corporate & Business Financial Planning
Fiducia Comprehensive Financial Planning (see above)
Wills & Estate Planning
- Fiducia Estate Planning Services (see above)
Would you or your business be interested in becoming an introducer of new business to The Fiducia Group?
Fiducia is very keen to work with local and national businesses these may be;
Accountants
Solicitors
Estate agents
Business Advisers.
Debt councillors
Insolvency Practioners
Financial Advisers
Commercial Brokers
Insurance Brokers
Property Developers
Large or small local or national new home builders
Rugby and Football Clubs.
| | | | Address: | | 25 Mareham Lane | | Sleaford | | Lincolnshire | | Sleaford | | Lincolnshire | | NG347JP | | |
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