Our financial
Services
Will and testament
If you don’t make a Will, your fortune may not be passed to the persons you wish. On the other hand, if you die without an heir, the Crown is free to manage your assets. Making a will is the only way to have any control over what happens to your belongings and funds after you die.
A person who dies without leaving behind a Last Will and Testament bears the risk of leaving their families to deal with very complicated financial matters. Additionally, the money your family needs may not always be available at the moment they need it, which is why it’s important to be prepared for such an outcome. Making a Will can make a lot of things easier for your family, which is all the more important in the face of a tragedy.
By making a will, you can determine who gets to take care of your business once you’re gone. You also get to decide who becomes the legal guardian of your children should they be left parentless.
We realise that nobody likes to think about making a Will. Nevertheless, it’s one of the most important financial planning activities that everyone should do. Additionally, making a Will is very easy and relatively cheap. With proper help and preparations, you can be at ease, knowing that the formalities after your death will be reduced to a minimum.
Why should you make a Will?
- Without it, the court decides the fate of your children,
- You have no influence over what happens to your fortune,
- Your spouse’s inheritance may be limited,
- If your relationship isn’t formal, your life partner has no right to your fortune (of course, your partner can assert their rights in court, but this makes matter very time-consuming and complicated),
- If you have children from your first marriage, they may also not be entitled to your fortune,
- Inheritance Tax mitigation – your Inheritance Tax planning is an important part of your overall financial planning. The standard Inheritance Tax rate is 40%adn it is charged on the part of your estate above the threshold, which is currently £325,000. By choosing to make a Will, you have far more control over the tax, since you can include donations.
Still unsure if you should make a Will? How to go about making it and what should you include? Contact us. One of our consultants will give you all the necessary advice to help you understand the legal jargon, making sure that your Will is legally valid. We will guide you through the entire procedure and professionally support you in planning the distribution of your fortune.
Please fill out this form and one of our consultants will contact you to discuss your situation. You can also call us right now by dialling 07754 065691.
Check out our most frequently asked questions
about mortgages in the UK
Mortgage in the UK
What types of mortgage are there in the UK?
The types of mortgage available in the UK are Capital Repayment Mortgage and Interest-Only Mortgage.
What payment plans are available?
The following variants are available::
- Fixed
- Offset
- Tracker
- Discounted
What conditions do I have to meet in order to receive mortgage in the UK?
In order to get mortgage for a house of flat, you must have a high enough level of mortgage affordability (creditworthiness). The financial advisor responsible for determining your mortgage availability may issue a “Decision in Principle” – a confirmation of your creditworthiness.
How high will my mortgage be and how high would the installlments be?
If you’re looking for reliable information on this topic, your best bet is to consult a financial advisor. Contact one of our representatives and provide them with all the necessary data, and we’ll estimate your mortgage and instalment rates.
Read more about our services
City & Country Financial Services
Mortgage
As mortgage advisors with access to all offers available on the market, we can explain in detail how a given loan addresses your needs and preferences.
Buy-to-let mortgage
Buying a house to let is one of the most popular forms of investment in the UK. Our advisors can help you choose the best option for your conditions, letting you spend little while gaining high return on investment.
Financial protection
Financial protection allows you to insure yourself, your family, as well as other people that are financially dependent on you, in the event of death, illness, accidents, or unemployment.
Retirement planning
We can help you if you are already retired and want to browse through your options, or if you want to invest in a future retirement plan.
Life insurance
Thanks to our knowledge of the market in its current form, we can adjust all elements of the insurance to your needs and expectations.
Company insurance
Company insurance involves insuring the most important members of the company, including you, the director or partner, as well as employees
Your house may be taken over for your debt if you fail to pay your mortgage on time. Some forms of investment loans aren’t regulated by the Financial Conduct Authority. Writing down a Will and Testament isn’t regulated by the Financial Conduct Authority. City and Country Financial Services is a representative of New Leaf Distribution Limited, authorised and supervised by the Financial Conduct Authority Number 460421. Registered in the UK no. 5520001. Registered address: Princess Caroline House, 1 High Street, 1st Floor, Southend on Sea SS1 1JE. | Privacy Policy