Buildings & Contents and Landlords Insurance

We review your existing policy to ensure it is the right cover for you and your family and one that fully meets your requirements so that the policy is fully tailored to you and fully claimable.

Critical Illness Cover

We review your existing policy to ensure it is the right cover for you and your family. This focuses on looking at the number of critical illness conditions you are covered for which ranges vastly from insurer to insurer (which is essential when it comes to claim).

Funeral Plans

This is to ensure you have enough to meet the cost for you or your loved ones funerals and not leave the burden to pay for a funeral to your family at the worst possible time for them.

Pensions *

Any existing private pension plans you may have in place you may want to ensure they are working for you as well as they possibly can and understand what they will do for you or provide for you upon retirement. 

Equity Release *

This product lets you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both. 

Investments & Savings Plans *

These plans allow you to put your hard earned savings to good use such as for children’s higher education costs etc. 

Private Medical Insurance *

Private health insurance gives you and your family the peace of mind that comes with knowing you can get fast access to high quality treatment when you need it, where you want it. *

Income Protection

These policies are to protect your income when your sick pay entitlement from work ends to ensure you can meet your essential bills such as mortgage/rent/car etc ).

Life Cover

We review your existing policy to ensure that it provides the right cover for you and your family. This could be to cover a mortgage or simply to provide a lump sum for your loved ones (and MORE IMPORTANTLY to ensure 40% Inheritance Tax by writing the policy into trust, would not be taxable on the pay out, which is more often than not an issue).

Helping You 

We pride ourselves on working with clients who have had or are having a difficult time financially. We work hard with them to work their way back to financial strength.

Wills & Trusts

To ensure your estate upon death is handled as per your wishes and that the right amount goes to the right person at the right time.

Secured & Unsecured Personal Loans *

Borrowing for any reason such as to raise funds for Debt Consolidation, Home Improvements or other purchases. This can sometimes make more sense than remortgaging as rates start as low as 3%). 

Residential Mortgages *

We review your existing mortgage deal as well as help in buying a home or seeking a better mortgage deal with your own lender OR a new mortgage lender. 

Buy To Let Mortgages *

We review your exiting Buy To Let portfolio as well as help in buying a second home or seeking a better deal on your existing mortgage deal on your additional properties. *

Think carefully about securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

* We do not give advice on pensions, investments,Unsecured Personal Loans or equity release and will refer these cases to a third party.

Wills and Trusts and Unsecured Personal loans are not regulated by the Financial Conduct Authority.

It is your responsibility to answer all questions honestly and to the best of your ability. Incorrect or non-disclosure could result in a future claim being rejected.

Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.

 

The information contained in this website is subject to UK regulatory regime and is therefore intended for consumers based in the UK.

 

The guidance and/or information contained in this website is subject to the UK Regulatory Regime and UK Tax law and is therefore primarily targeted at customers based in the UK only’

 

Root Financial Services, 3 Henley Avenue, Norton Sheffield S8 8JH

07766 236988 / 07896 944963

paul@rootfinancialservices.co.uk
richard@rootfinancialservices.co.uk

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