We are a small firm of Independent financial advisers specialising in investments, financial planning, care fees, equity release, mortgages and protection. Our advisers each have over 15 years experience. We offer a flexible approach and can offer you a full financial review to develop a financial plan or we are happy to deal with an individual concern such as an investment or arrange income from your pension fund. Our clients are of all ages from young families and first-time mortgage buyers to older clients with existing investment portfolios or looking for later life advice such as care fee planning and equity release mortgages.
Our mortgage advice covers buy to let mortgages, home mover mortgages, re-mortgages and equity release mortgages for older clients. Your initial consultation whether over the phone or in-person is free at no cost to you, it is important that we are both happy to work together before we decide to proceed.
Get help from an IFA:
A good IFA (Independent Financial Adviser) will provide you with professional, reliable support and peace of mind when you’re planning for the future. A strong financial plan will protect your family, ensure your income, optimise your mortgage, and help you decide how much you need to save for retirement.
John Tibble at Aspire FP has more than 24 years’ experience as an IFA. We tailor our services to your needs, so we can review all or individual aspects of your financial planning. In all cases, we will provide expert recommendations, discuss every plan in detail and confirm everything in writing.
Find the best mortgage for you:
With so many mortgage products out there to suit different lifestyles and circumstances, choosing a mortgage can be unnecessarily complex and overwhelming.
Aspire FP provides FEE-FREE mortgage advice to help you understand the market and your mortgage options, including repayment and interest-only mortgages, interest rates, special features, and repayment methods. We can also help you arrange a mortgage before you have even found your dream property, by helping you secure an Agreement in Principle from your chosen lender. This costs nothing and puts you in a much stronger position with vendors as it confirms you are a genuine buyer.
Equity release - an informed choice:
Equity release can be used to release tax-free cash from your main home, investment property or holiday home. There are many kinds of equity release plans and the funds can be released for any purpose, including topping up your retirement income, paying off your mortgage or even buying a new home. However, equity release or lifetime mortgages may not suitable for everyone so it's important that you talk to us to see if equity release is right for you.
Aspire FP offers ethical, confidential, whole-of-market, independent equity release advice to help you to make the right choice. We can help to highlight the pros and cons of all types of equity release with a personalised illustration.
Plan for a comfortable retirement:
There’s so much to consider when it comes to pensions. For example, is your existing pension competitive? How do you take control of all your pension pots and consolidate them into a modern, cost-effective flexible plan? Do you wish to delay taking your pension pot? Do you want to draw the tax-free cash from your fund and leave the rest invested or take an annuity? What do you do if you’re self-employed?
With so many questions, Aspire FP aims to demystify the world of pensions. We can help you find out if your current pension is REALLY working for you and how to make your retirement plans a reality.
Reach your financial goals:
If you are ready to invest or need help with your existing investment portfolio, an experienced financial adviser can help you set suitable investment strategies and realistic goals, understand risks and make informed decisions designed to create wealth.
Aspire FP can invest your capital with innovative, risk-based strategies selected from all leading investment managers to construct an investment plan tailored to you. We begin by ascertaining your risk profile and understanding your aims. By partnering with investment experts, we can provide strategic options to help you achieve your goals.
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