Chesterton Grant
Chesterton Grant are an independent whole of market mortgage firm who have been operating since 2001. We offer a holistic approach to financial planning including Insurance and through our partner services Pension Planning, Investments and Estate Planning.
Bespoke mortgage services
Whether you’re searching for your first home, re-mortgaging, looking to move or simply expanding your current property portfolio, you should have the peace of mind that your mortgage is the right one for your current needs & circumstances.
Whole of market access for the most competitive rates
There are a numerous amounts of lenders offering a wide range of mortgage products in the UK marketplace, yet many people just contact their bank, or as an alternative, will speak to an adviser who has access to only a small panel of lenders offering their own limited range of products. We are a qualified broker with no restrictions regarding the lenders we can use.
There may well be more appropriate options available in the wider marketplace, especially as mortgage rates can potentially change on a daily basis – so accessing the whole of the market could prove to be beneficial in obtaining the most suitable mortgage for you.
Absolutely no broker fees
Getting the right advice for your mortgage can at times prove stressful enough without the added financial burden of having to pay for it. Fee-free brokers offer mortgage advice without charging clients directly as, like all brokers, are paid a commission from lenders when your mortgage completes. This arrangement enables you to access professional advice and recommendation without any cost commitment with your mortgage adviser. At Chesterton Grant Mortgages, you can be assured that our entire mortgage advice service will cost you nothing.
Insurance (Life Insurance, Critical Illness Cover, Income Protection)
Protection insurance policies provide both peace of mind and a financial safety net in the event of illness, injury or death. Regardless of whether you’re single or in a relationship, have dependent children or don’t have children, chances are you will benefit from some form of protection insurance.
You might already have some cover in place. That’s great, but does it still meet your needs? It’s helpful to make sure you review your cover every few years or whenever you have a change in circumstances such as marriage, civil partnership, having children, moving home, a relationship breakdown, a new job… all these events could have an impact on what cover you should have in place. An adviser is best placed to help you find the most appropriate cover for your circumstances.
Through our partners, we can also offer advice on estate planning, pensions and investments
Estate planning for complete peace of mind
Ensuring proper estate planning is important for securing the future of your assets and providing peace of mind for you and your loved ones. By carefully outlining your wishes, and distributing your assets according to your preferences, you can rest assured that your money will go to the right people and causes, safeguarding your legacy, and providing financial stability for future generations.
Wills & LPAs – providing clarity in honouring your wishes
Having a will in place is key to ensuring your assets are distributed according to your wishes after your passing. It provides clarity and legal protection, minimising potential disputes among family members and ensuring your loved ones are provided for as you intended.
Establishing lasting powers of attorney ensures that trusted individuals can make important decisions on your behalf if you become unable to do so due to illness or incapacity. This offers further peace of mind for you and your family.
Trusts - for effective succession planning
Trusts can provide protection and financial security for beneficiaries, making them a valuable tool in wealth management and succession planning. Trusts are legal arrangements that hold assets for the benefit of individuals or organisations. They offer privacy, control, and flexibility in estate planning, allowing assets to be distributed according to your specific instructions while avoiding probate and minimising estate taxes.
The Financial Conduct Authority does not regulate tax or estate planning.
Retirement Planning
Whatever you want from your retirement, planning for the retirement lifestyle you desire involves careful consideration of your financial needs, including estimating how much money you'll require and when you plan to retire. Adequate financial preparation done in time, could ensure that when the time comes, you can potentially enjoy your golden years in an improved financial position.
There are a number of stages at which you can benefit from financial advice:
- First Pension/ Starting a Pension
- Missing Pensions/ Tracing a Pension
- Retirement Options/ Drawing down on a pension
- Consolidating Pensions
- Pension Performance Review/ Maximising your pension
- Director’s Tax Planning/ Efficiency
- Pension sharing orders
We can arrange for you to speak with a regulated, qualified financial adviser, who can help you with all the information that you will need to make the best decisions for you, both now and for the future.
A tailored approach to investing
Whether you are a seasoned investor, or are just starting out, investing can be daunting, with concerns about market volatility and potential losses looming large. However, with the right financial advice, you can navigate these uncertainties and unlock the benefits of smart investing, ensuring a secure financial future tailored to your goals and risk tolerance.
Whether through stocks and shares ISAs, general investment accounts, or investment bonds, investors can take advantage of various tax breaks tailored to their individual needs and circumstances. Investment opportunities enable you to maximise tax efficiency while working towards your financial goals, ultimately securing a more prosperous future.
You should remember though that unit prices and the value of your investment can fall as well as rise and there is no guarantee you will receive a return of your original capital, especially in the early years or if you choose to take an income/withdrawal from it. Past performance is no guarantee of future returns.
