Interest paid on a cash ISA is tax free. The annual ISA limit for 2015/16 tax year is £15,240, which can be paid into a cash ISA, a stocks and shares ISA or a combination of the two. The favourable tax treatment of ISAs may change in the future. Some of our ISAs may not allow transfers in so please check the terms and conditions. To transfer your Santander Cash ISA to another provider, you will need to contact your new ISA provider.
Based on the husband and wife team of David and Sally Simpson, we are Estate Agents specialising in Property Sales, Rentals and Block Management. We are also whole of market Mortgage Brokers regulated by the Financial Services Authority, we give advice on residential and buy to let finance and can arrange a variety of property related insurance.
Your money plays a vital role in your life and we know it is not easy handing over the secrets to your finances, however the more open and honest you are the better able we will be to give you the tools that you will need for financial success. Money is such a personal thing in your life so who better to talk to about it than someone who does this for a living and takes a dedicated approach to your finances.
With so many mortgage products in the market it can seem difficult to pick the right one. We can help you find the right mortgage product to suit your needs whether you are remortgaging, buying a new home or considering buy to let. Are you paying too much for your mortgage? Does your current deal not suit your budget or circumstances? Unlike a lot of brokers, we look across the market which means you get the best chance of finding a deal that suits you.
Founded in 1999, Independent Mortgage House has grown to be one of South Wales' foremost mortgage brokers. We have over 40 years collective industry experience ensuring you receive the best advice possible. We have an office based near the centre of Cardiff, in Cowbridge Road East, Canton. We can arrange a convenient meeting for you at our office, at work, or in the comfort of your own home. Our office is open 6 days a week.
The Mortgage Broker (Cardiff) Ltd will provide mortgage advice and offer highly competitive mortgage solutions selected from a comprehensive range of mortgages from across the market. The Mortgage Broker (Cardiff) Ltd offers professional advice and guidance in all areas of the mortgage market. In addition to standard residential mortgage and re-mortgage expertise, advice by our brokers is provided in specialist niche markets such as Buy to Let and Offset.
Seven Financial Group is a trading style of Seven Financial UK Ltd which is authorised and regulated by the Financial Conduct Authority. Seven Financial Group are an essential partner for those with a demanding lifestyle. We utilise state of the art technology to source the most suitable solution based on "whole of market" research. Our recommendations are driven solely by client need, fitness of purpose and consideration of value for money.
We offer friendly, independent advice to both private and corporate clients, face to face in the comfort of your own home or office. Or if you prefer, you can come and visit us at our office in Cardiff. Whether you are purchasing a new home, looking to remortgage, needing advice on buy to lets or a more complex commercial mortgage Allen Financial Services will help source the correct mortgage or loan for you.
For example, an understanding of the probable movements in the Bank of England base rate will have a significant bearing over whether a fixed rate or a variable rate mortgage is recommended, which in turn can make a substantial difference to the cost of the borrowing if rates move.
New legislation brought into force on 26th April 2014 introduces many changes to the world of mortgage advice. Whether you live in Cardiff or in the UK, you'll be affected in some way. The Financial Conduct Authority have instigated these changes - via the Mortgage Market Review - to ensure people obtain mortgages more responsibly. Well, the new rules mean that all lenders will have to ask more questions and stress test your affordability before they can authorise your mortgage.