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27
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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release.
Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.
Independent Financial Advisers - IFAs Salisbury
The Aaron Partnership
Griffen House, Malhouse Lane, Salisbury SP2 7RF, UK – 01722 341711
Fantastic service and advise FROM Gary on getting my first mortgage. Highly recommend
Had an extraordinarily positive experience working with Paul McFarlane of the Aaron Partnership, who guided us through acquiring a mortgage. Without his help, the process would have been extremely difficult and he couldn't have done more for us. Highly recommended
Your Mortgage Expert Ltd
First Floor, Western Office, 18 New Canal, Salisbury SP1 2AQ, UK – 01722 322683
Ms Nicky Jennings handled our mortgage from start to finish. We had access to all mortgage products on the market. All details were carefully explained and she took the care to find the most suitable deal for us. Exceptionally prompt and professional. Highly recommended.
Your Mortgage Expert and in particular Dan Allen were extremely helpful in arranging a mortgage for us. Dan was very responsive and organised a meeting within 24 hours of contact. We achieved the mortgage we required with minimum fuss. The advice was clear and straightforward and contact always very quick and detailed. Excellent service all round. I have no hesitation in recommending their service to others.
Hurst Financial Consultancy Ltd
33 Brown St, Salisbury SP1 2AS, UK – 01722 411411
Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Salisbury.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.
Crowd Funding and Business Loans
We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.
TSB Bank
32 High St, Salisbury SP1 2NT, UK – 01722 330004
I absolutely love being back with a high street bank after years of just banking online. The staff at Salisbury TSB are really helpful - "human beings" who I trust. I've never seen a long queue, they are polite and professional and considerate. I have witnessed them treat older and vulnerable people in a really considerate way. I highly recommend Salisbury TSB.
staff are consistently friendly and helpful
Barclays Bank
2-6 High St, Salisbury SP1 2NP, UK – 0345 734 5345
I called into the branch on Saturday morning the 28th, this was the first time in many years of going into a bank. I initially set off with dreaded fear of being messed about and being passed around, expecting to have to make an appointment. I couldn't be more wrong! The branch is so welcoming and friendly. The moment I stepped inside I was asked by a staff member how they could help. I was then greeted by a consultant who went through my requirements so professionally and speedily leaving me very impressed with the way we were treated. The branch is lovely inside and nothing like the old fashioned tills and glass screens. I even managed to re-set my card pin number without all the old hassle of letters or phone calls back and forth. I was in and out in no time at all and very impressed with the excellent customer service provided, well done the team.
Nationwide
19 - 21, Old George Mall, Salisbury SP1 2AF, UK – 0800 554 0328
Very helpfull
Staff very friendly and helpful. I like this branch very much. Nationwide is a great bank. The good thing about Nationwide is that it is still a mutual building society.
Banks
Halifax
29 High St, Salisbury SP1 2NN, UK – 01722 313815
It had a free cash machine at the moment I decided I needed cash. Other wise, it's a high street bank. What more do you expect.
HSBC
19 Minster St, Salisbury SP1 1TE, UK – 0845 740 4404
The branch staff work diligently to try to sort out problems created by other parts of HSBC. Thank you
Its an ordinary bank really
NatWest
48 Blue Boar Row, Salisbury SP1 1DF, UK – 0345 788 8444
First visit to this branch, big, airy, friendly staff, overall impressed. Parking is a bit of an issue.
Well organised space with plenty of cash machines, easy access and places to sit. Kind staff.
Building Societies
Nationwide
19 - 21, Old George Mall, Salisbury SP1 2AF, UK – 0800 554 0328
Very helpfull
Staff very friendly and helpful. I like this branch very much. Nationwide is a great bank. The good thing about Nationwide is that it is still a mutual building society.
Halifax
29 High St, Salisbury SP1 2NN, UK – 01722 313815
It had a free cash machine at the moment I decided I needed cash. Other wise, it's a high street bank. What more do you expect.
Mortgage Brokers
Tony Tyler Financial Services
38-40 Milford St, Salisbury SP1 2BP, UK – 01722 411800
Windsor Mortgage Services
39 Milford St, Salisbury SP1 2AP, UK – 01722 333208
Shape Financial
60 Castle St, Salisbury SP1 3TS, UK – 01722 333232
Mortgage Brokers - Key Questions
How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Salisbury.
Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.
How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Salisbury that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.
Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Salisbury.
Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.
How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Salisbury that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.
Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.
Mortgages
Austin & Wyatt
69-73 Castle St, Salisbury SP1 3SP, UK – 01722 480054
I am delighted with the service I've received from Austin & Wyatt in Salisbury. I feel that they have good knowledge of the property market and are trying to secure the best return for me. I am always kept up to date with developments and made aware of changes in advance. I would recommend Austin & Wyatt in Salisbury. Thank you to all the team.
Your Mortgage Expert Ltd
First Floor, Western Office, 18 New Canal, Salisbury SP1 2AQ, UK – 01722 322683
Ms Nicky Jennings handled our mortgage from start to finish. We had access to all mortgage products on the market. All details were carefully explained and she took the care to find the most suitable deal for us. Exceptionally prompt and professional. Highly recommended.
Your Mortgage Expert and in particular Dan Allen were extremely helpful in arranging a mortgage for us. Dan was very responsive and organised a meeting within 24 hours of contact. We achieved the mortgage we required with minimum fuss. The advice was clear and straightforward and contact always very quick and detailed. Excellent service all round. I have no hesitation in recommending their service to others.
Nationwide
19 - 21, Old George Mall, Salisbury SP1 2AF, UK – 0800 554 0328
Very helpfull
Staff very friendly and helpful. I like this branch very much. Nationwide is a great bank. The good thing about Nationwide is that it is still a mutual building society.