Foundations.

Creating your financial plan is a journey. First we design the foundations and build them and ensure that they are protected, developed and reinforced over time.

• Flexible saving
• Mortgages
• Borrowing advice
• Protection advice

Flexible saving.

Whatever your situation in life, it’s never too early to start planning for the future. At Vista Financial Management we understand that you want to be flexible with your money both now and in the future. Saving and investing can help you reach your financial goals. Whatever you’re saving for we have a range of appropriate solutions to meet your needs as your requirements change over time. We will help you to create a portfolio of investments that suit your savings goals, attitude to risk and financial situation in the most tax-efficient way.

Your capital is at risk. The value of your investment (and any income from them) can go down as well as up and you may not get back the full amount you invested.

Mortgages.

Your mortgage repayments are likely to be among your highest monthly outgoings. Whether you’re looking to buy your first home, remortgage or investing in a buy-to-let property Vista Financial Management can help. Applying for a mortgage can be intimidating, and it sometimes feels like the lender has all the power. Every lender has its own method to decide whether it wants to lend to you. There is a wealth of information to take in when buying a property. Our expert professional mortgage advice will find you the best mortgage deal whether you’re buying a property investment or home.

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

Borrowing advice.

We want to help you bring your plans to life and access the borrowing you need, whether it's for grand plans or little projects, renovating your home or managing debt. Whatever your reason our friendly local advisers will use their expertise to find the right solution for you and your requirements. Our aim is to make the process of applying for finance as simple and straightforward as possible. We pride ourselves on going the extra mile to get you the money you need as quickly as possible and carefully select from a panel of lenders with competitive rate loans.

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

Protection advice.

It is easy to put off arranging protection policies but no-one knows what is around the corner. We want to help you see the importance of protecting you and your family and give you the one thing money cannot buy – peace of mind. Our advisers will offer expert and unbiased advice for each individual, family or business situation from a comprehensive panel of providers, and will help you design a suitable plan to protect what is most important to you and ensure that you understand exactly what any plan offers so that you can make a sensible and informed choice to protect both your future and that of your family or business. These plans will be reviewed as required to make sure the levels of cover remain sufficient for your changing needs.

Life and critical illness insurance 

Life insurance, also known as life cover or life assurance is a way to help protect your loved ones or business financially if you were to die during the length of your policy.

Critical Illness can be added at an additional cost when taking out life insurance. It could pay out your chosen amount of cover if you’re diagnosed with a specified illness during the length of your policy.

Income protection 

According to the Association of British Insurers one million workers a year find themselves unable to work due to a serious illness or injury. It does not matter whether you have children or other dependents – if illness would mean you could not pay the bills, you should consider income protection insurance particularly if you are self-employed or employed and you do not have any employer sick pay benefits to fall back on.

Income protection insurance is a long-term insurance policy to help you if you cannot work because you are ill or injured. It is designed to replace part of your income if you cannot work because you become ill or disabled and pays out until you can start working again, or until you retire, die or the end of the policy term – whichever is sooner.

Life Assurance plans typically have no cash in value at any time and cover will cease at the end of term. If premiums stop, then cover will lapse.

Plans may not cover all the definitions of a critical illness. The definitions vary between product providers and will be described within the Key Features and policy documentation if you proceed with the plan.