NTS Chartered Financial Advice

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NTS Chartered Financial Advice

Helping people with all things finance. From mortgages & Insurance, to pensions & investments.

Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited 13/01/2025

17/03/2025

I’m back!

But where have I been? 🤔

So some of you may have noticed I’ve not been positing on my business socials very much.

The last 2 years I’ve been working away in the background towards becoming *Chartered* and I can finally announce that I have successfully achieved just that 📣

Thank you to the few of you that knew about this in the background and checked in throughout. It’s been a slog, but feels euphoric to have completed it 👏

For those of you good with dates, yes I was qualifying whilst also planning a wedding 🤷‍♂️🫠😂 (wouldn’t recommend) and we may have held off on our honeymoon due to exams and coursework but we will be finally enjoying a well deserved one this year.

So yeah, that’s the life update - hope everyone is well!

Nic

18/04/2024

Planning for retirement not at the forefront of your mind? 🤷‍♂️

Here are a few reasons as to why maybe it should be…

💰

The average person will have 12 jobs in their lifetime, changing roughly every 4 years.

🤔 Question: Do you know where your first pension was held?

What about your second?…

(You get my point)

Having multiple pensions from different jobs held by different providers can make it difficult to know what financial position you’re in when the time of retirement does come around.

💰

Pensions are also one of THE most tax efficient ways of saving.

So if you’re not in the mindset of thinking of retirement, think of it as just another savings pot to look forward to in later life…

15/03/2024

First-time buyer? Navigate the mortgage process with ease using our guide, tips, and professional advice for securing your dream home.

14/03/2024

It’s been 1 week since the Chancellors Spring Budget 💼

But how does it effect you? 🤔

The budget can be overwhelming 🤯 there’s a lot of information put out on that day. But, as always, I’ve broken it down into smaller bites!

👉 NI is being reduced 2%

👉 £5k ISA allowance with new Great British ISA

👉 Full Child Benefit threshold raised to £60k - partial up to £80k

👉 Capital Gains tax on rentals / 2nd properties reduced by 2%

23/02/2024

The mortgage market in 2023 was like a roller coaster with rates in the UK reaching a 15-year high. How is 2024 looking? Let's take a look.

15/02/2024

Only have one years accounts? Wondering if it’s possible for you to get a mortgage?

The short answer is yes.

It is possible to get a mortgage with one year's accounts, but the pool of lenders available is much smaller making this a niche.

Unless time is a pressing matter, it is advisable to wait until you have at least two year's of accounts or tax returns.

By waiting, this allows for a wider range of lenders and better rates can be secured.

However, it is possible to get a mortgage with one year's of accounts, just take into consideration previously mentioned points.

14/02/2024

Self employed and worried about getting a mortgage?

First off, don’t worry. It’s not impossible, it can just be a little bit more time consuming in regards to the boxes you need to tick along the way.

As always, it’s worth speaking to an advisor and we can streamline the process for you and find the best rate for your circumstances.

10/02/2024

Embracing a New Year Unlocking Financial Success with Aspire Financial Advisers led by our expert team, stays ahead of industry trends.

09/02/2024

Hello followers 👋

Welcome to my new business page - please feel free to unfollow my old account (Nicholas Skidmore - Financial Advisor) as this will be the only account I use from now on.

Thanks,
Nic

Address

NTS Chartered Financial Advice, Brook Farm, Swineyard Lane

WA160SD

Opening Hours

Monday	09:00 - 17:00
Tuesday	09:00 - 17:00
Wednesday	09:00 - 17:00
Thursday	09:00 - 17:00
Friday	09:00 - 17:00

Website

http://www.ntsfa.co.uk/

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