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New – Financial planning, equity release and will writing services now available!

In addition to our award-winning mortgage services and our outstanding personal insurance advice, Beewise are now able to offer financial planning, equity release and will writing.

If you’re looking for help with pensions or investments, or would like to review your existing products, we’d be more than happy to go through this with you.

Likewise, if you need to make a will, update your current one, or need general advice around estate planning and more, call 01934 204841 or email us today!

Making the most of your finances – both now and for the future – is so important, and by using Beewise you’re guaranteed outstanding customer service as well as expert advice.

Get in touch with Beewise to speak to your local financial planning or equity release advisor, or read on for more about our new services and how we can help you.

FYI – will writing isn’t part of the Quilter Financial Planning offering and is offered by Beewise in our own right. This just means Quilter Financial Planning don’t accept responsibility for this aspect of our business.

Expert financial planning advice

If you’re looking to maximise your money in the most suitable way, Beewise are on hand with advice and guidance tailored specifically to you.

Your local financial planner can discuss investing, retirement, estate planning and more, taking into account your current situation and future goals.

There are lots of reasons why people invest money – to save for a specific reason, such as sending your kids to university, to set yourself up for early retirement, to boost your savings and more.

Now, Beewise can manage your assets and help you achieve those financial dreams.

If you’ve already got investments in place we’re happy to review those, checking they’re performing as hoped, and take advantage of any tax allowances you might have.

(Quick disclaimer! The value of investments and pensions, and the income they produce, can fall as well as rise, so you may get back less than you invested. And, past performance is not a guide to future performance.)

We can also review your pensions to make sure they suit your needs. It’s important to regularly check in on your retirement plans for lots of reasons, whether you’re 18 or 68!

For example, if you’ve changed jobs, you could have old workplace pensions which aren’t performing to their potential – something we can sort now for you.

Or, if you haven’t yet considered when you’ll retire, or what you’d need to achieve the lifestyle you want when you do, we can help put goals in place and advise on the steps you need to take.

As part of considering the bigger picture when it comes to finances, your local advisor will also support you with estate planning, making sure your assets are as tax efficient as possible.

Scroll down for more information on how we can also help with will writing and any necessary trusts. Or, email or give us a call on 01934 204 841 to chat to an advisor today!

FYI – estate planning, trusts, taxation advice and will writing are not regulated by the Financial Conduct Authority.

Equity release and later life lending

If you’re a homeowner aged 55 and over, and you’re looking to access some of the equity tied up in your property, Beewise can now help with this too.

Equity release is a way of accessing money tied up in your home without having to move, and there are two main equity release schemes – lifetime mortgages and home reversion plans.

With a lifetime mortgage, as with a mainstream mortgage, you take out a loan secured against your home and keep full ownership of the property.

However, with a lifetime mortgage the loan and interest don’t need to be repaid until you die or move into long-term care.

And you can choose to take the funds as a lump sum or smaller amounts over a period of time, but either way no monthly repayments need to be made.

Alternatively, a home reversion plan involves selling part, or all, of your property to a provider, while retaining the right to live in it rent-free.

Again, this option doesn’t require monthly repayments, and you can stay in your home until death or moving into long-term care.

A home reversion plan also gives you the option of a lump sum or regular payments, depending on how much of the property is sold.

Both equity release schemes are a great way to access tax-free funds – ideal if you have money in your property but would prefer it in your bank account.

That way, you can ease financial stress during retirement, make changes to your home to suit your needs, or just enjoy your life without money worries.

There are potential risks involved, as equity release – including lifetime mortgages and home reversion plans – will reduce the value of your estate, and can affect your eligibility for means tested benefits.

Your local Beewise advisor will help you weigh up the pros and cons though, so give us a call on 01934 204 841 or email to arrange an appointment today.

Beewise also specialise in other areas of later life lending, such as retirement interest-only mortgages for those aged 50 and over, and mortgages without a maximum age limit!

This means even if you’re retired you could still take out a mortgage, with affordability based on income from pensions, savings and more. Contact us to find out what options are available to you.

Will writing and estate planning

Recent research¹ shows that half of UK adults don’t have a will in place, but we believe it should be on everyone’s life admin list.

Whether you’re putting it off, don’t think you need one, or don’t like to think about death, it’s important to remember that not having a valid will could put a huge burden on your loved ones.

So, Beewise are here to help you fix that! We want to make sure your family and close friends have all they need to carry out your wishes.

And, with the right will and any necessary trusts in place, you’ll have peace of mind that everything goes to those you intended it to.

To find out more, get free advice on your situation, or to make sure your current will is suitable for your needs, email us or call 01934 204 841.

Don’t forget we also offer award-winning mortgage advice! Voted Best Mortgage Office in the UK 2022, you’re in safe hands with Beewise FS Ltd - check out our 240+ 5 star Google reviews.

To get in touch with your local Beewise advisor, call 01934 204 841 or email to arrange a call, with evening and weekend appointments available.

Looking for more expert advice? Check out these other helpful blog posts!

Your home may be repossessed if you do not keep up repayments on your mortgage.

Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 22/09/2023

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