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  First Floor Meridians House
7 Ocean Way
Southampton
Hampshire
SO14 3TJ

• @RadcliffeCo
• radcliffe-

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 annuities, armed forces, Auto enrolment specialists, buy to let mortgage, corporate services, Financial Brokers, financial advisers, financial advisers independent, group pensions

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Business Profile

About Us Here at Radcliffe Mortgages we are passionate about finding the right mortgage deal for you. We are totally independent offerring Informed, Impartial and Independent financial advice. Purchase mortgages, re-mortgages, equity release, debt consolidation, buy to let. Whatever your needs we are here to help an we will respond by return.

We are regulated by the Fiancial Services Authority

Personal Services Thank you for visiting our personal section where information is placed to help individuals with their financial planning needs. We provide informed, impartial and independent financial advice on all aspects of financial planning.

If you are an investor with SIPP or Discretionary funds then you can access the detail by clicking on the links above or getting in touch if you have any questions.

Have you reviewed your mortgage recently? Well contacting our mortgage specialists couldn't be easier. We have a simple form for completion or pick up the phone.

Have you reviewed your pensions and investments including ISA's as we offer an no obligation complimentary review. We would like all our clients and new clients to be best positioned to make an informed decision about the wealth they are creating.

We pride ourselves in providing face to face advice to all and we will be pleased to hear from you and contacting us could not be easier

Specialist Services Whole range of services including HM Armed forces with representatives in UK and Germany.

Mortgages t any one time there may be hundreds of different mortgage options, only some of which will meet your needs.

While spending your lunchtimes and Saturdays walking from one bank or building society to another will normally get you a mortgage, a mortgage adviser may well be able to get you better terms.

A Mortgage Adviser will use powerful computer databases to sort through the vast range of mortgages and identify the best ones for your current circumstances.

That done, a mortgage adviser will also oversee the process of actually completing on the mortgage, ensuring that all the parties (lawyers, lender, yourself) etc have all the right documentation at the right time. This is an essential part of the service, as all too often communication breakdowns lead to otherwise unnecessary delays and complications, and their role is to ensure that all progresses as smoothly as possible.

If you are just starting to look for property and are unsure as to how much you can borrow, use this useful mortgage borrowing limits calculator . If you want to know what sort of terms might be available then a mortgage adviser can give guidance on this so that you don't waste time pursuing unsuitable properties.

Trade Bodies / Associations We are regulated by the Fiancial Services Authority

Life Assurance Life Assurance is used primarily:-

To provide money for those who may be financially dependent on you, such as family and business partners, should anything happen to you.

Even if there are no dependents who may be financially distressed by your death, life insurance could go towards covering funeral costs.

That said, the following are all situations that may require the use of life assurance.

Mortgage. If the house is to be lived in by your partner or children then it is normal practice to ensure that the mortgage is cleared on death.
Money for dependants. If you have financially dependent children then money will help provide for them, perhaps by allowing the surviving partner to stay at home or work part time for some years.
Business debts. Banks and creditors are cautious when key business professionals are no longer around. Credit lines get shortened or even pulled, often with fatal consequences for the business. If you are a key person your business could insure you to provide cash flow to settle all debts and recruit a new person.
Business partners and co-directors. If you die you hope that your colleagues will pay a fair value for your share of the business, but they can only do this if the funds are available. Assurance can be used to provide this.
The good news is that many people already have some life insurance and in many cases this will suffice for their needs, although as needs and circumstances change, it may need updating.

If you are a member of a good company pension scheme, read your benefits booklet. You may well find that if you die your spouse and/or children will get a lump sum and/or a pension. If you provide us with the details we can calculate the benefits and make sure that they will be sufficient. One problem with older schemes is that unmarried partners are not always treated as a spouse.

You have probably already got life insurance to cover your mortgage, but it would be worth checking that the current level of cover is sufficient for your current situation.

If you are not in a good company pension scheme and are self-employed, or in business, and have dependants, then it is essential that you have your position assessed. We can help you do this.

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