Our Services
From tax planning, estate planning, mortgages and equity release, to retirement planning and investment management, we specialise in providing trusted and carefully considered solutions. Whatever your financial requirements, with Charterhouse Financial, the future is always well thought through.
We have the answers to make the future, clearer.
In the world of financial planning, questions arise all the time. It’s having the right answer that matters. Here are a few questions we’re regularly asked:
Mortgages
Deciding on the right mortgage type will always depend on factors like your financial goals, risk tolerance and current circumstances. First, we’ll build an understanding of your situation, then once we’ve assessed your needs, we’ll recommend options such as fixed rate, variable rate or offset mortgages.
We’ll analyse your income, expenses and credit history to determine your borrowing capacity. This ensures you get a mortgage that aligns with your financial capabilities.
A fixed-rate mortgage offers a steady interest rate throughout the term, providing predictable payments. A variable-rate mortgage has an interest rate that can fluctuate based on market conditions, potentially resulting in lower payments but less certainty over time.
Financial Advice
Professional financial advice helps you to make informed decisions, optimise your assets and plan for a secure future. It ensures your financial choices align with your goals and risk tolerance. A professional adviser can tailor strategies to your unique situation, ensuring you’re on track for financial success.
Financial advisers can be paid through fees, commissions, or a combination of both. To ensure complete transparency, we’ll ensure that you understand our compensation structure upfront, so you’ll always know what you’re paying.
Creating a financial plan is crucial because it provides a roadmap for achieving your financial goals and aspirations. It helps you make informed decisions about saving, investing and spending, ensuring that your money is working toward your desired outcomes. A well-crafted financial plan takes into account your current financial situation, future objectives, risk tolerance, and any potential obstacles. It acts as a guide to navigate life’s changes, from buying a home and funding education to preparing for retirement and leaving a legacy. Without a clear plan, you might miss out on opportunities and struggle to achieve the future you envision. Working with a skilled financial planner can help you create a tailored plan that maximises your resources and sets you on the path to financial success.
Retirement
The earlier you start planning, the better. We can help you set retirement goals, calculate your required savings, and create a strategy to ensure you retire comfortably.
To help you make the most of your retirement funds, we’ll explore options like annuities, drawdown plans, and making voluntary contributions to optimise your pension income.
Investments
Stocks represent ownership in a company, offering potential for growth and dividends. Bonds are debt securities issued by governments or corporations, providing regular interest payments and less risk than stocks.
Diversification involves investing in a mix of asset types, such as stocks, bonds, and real estate, to reduce risk. It’s a way to spread your investments and avoid putting all your eggs in one basket.
Equity Release
Equity release allows you to access the value of your home while continuing to live there. We’ll assess your circumstances to determine if it’s suitable and explain the potential advantages and drawbacks.
Equity release can affect your inheritance and the value of your estate. Interest accrues on lifetime mortgages, potentially reducing the amount left to your heirs. It’s important to understand the long-term implications by consulting a financial adviser.
International payments solutions with Currencies Direct
Simplify your international payments and manage your foreign exchange risks through our trusted partner Currencies Direct. Whether you’re paying suppliers, receiving funds from customers, or managing payroll, their international payments solutions can reduce costs and increase time savings.
Founded in 1996, Currencies Direct Limited is a provider of foreign currency exchange and international payment services for corporate and private clients. Based in London, the group transacts circa £10.5 billion per year and has 25+ offices across four continents. Currencies Direct are FCA regulated and were voted Business FX Provider of the Year in the 2023 Business Moneyfacts awards.
Currencies Direct can help our clients reduce the cost of repatriating currencies whilst conveniently managing foreign exchange risks through a variety of services.
- Spot contracts
- Forward contracts
- Mass payments
- Hedging strategy
- Multi-currency wallets
- Limit orders
- Rate alerts