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Monday 9am - 5:30pm Tuesday 9am - 5:30pm Wednesday 9am - 5:30pm Thursday 9am - 5:30pm Friday 9am - 5:30pm

IDFM

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from IDFM, Mortgage brokers, 4 Cedar Court, Royal Oak Yard, London.

05/07/2024

🔒 Protecting your assets as a director is crucial for long-term financial security.

Here’s how:

🏢 Directors' Insurance: Directors and Officers (D&O) insurance provides coverage against personal liability for decisions made while managing the company, safeguarding your personal assets.

🛡️ Life and Critical Illness Cover: Ensuring you have life and critical illness insurance protects your personal and business finances, providing a safety net for your family and business in case of unexpected health issues.

📈 Retirement Planning: Strategic retirement planning ensures your assets are protected and grow over time, allowing you to enjoy a comfortable retirement without financial stress.

Taking proactive steps to protect your assets helps secure your financial future and provides peace of mind, allowing you to focus on growing your business.

03/07/2024

About The State Pension

A State Pension is a regular payment made by the government to people who have paid or been credited with a minimum amount of Class 1, 2 or 3 National Insurance Contributions and have reached State Pension age.

STATE PENSION AGE

The State Pension age for men and women is currently 66 but will increase to 67 between 2026 and 2028.

Under the current law, the State Pension age is due to increase to 68 between 2044 and 2046. However, the Pensions Act 2014 provides for reviews of the State Pension age at least once every 5 years, taking into account a range of factors that are relevant to setting the pension age, one of which will be changes in the life expectancy of the population. Following a review in 2017, the government announced plans to bring this timetable forward, increasing the State Pension age to 68 between 2037 and 2039. At present, this is the government’s intention, and will need to be voted into law.

The State Pension is paid whether the claimant is working or not and is paid regardless of any income and/or existing savings or capital the claimant may have.

Tax treatment varies according to individual circumstances and is subject to change

01/07/2024

🏠 Is your fixed-rate mortgage term coming to an end? It's time to explore your options! 🕒✨

If your fixed-rate term is nearing its conclusion, now is the time to review your mortgage and ensure you're on the most suitable deal for your financial situation.

As your trusted mortgage adviser, I'm here to guide you through this important decision-making process.

With interest rates fluctuating, it's crucial to assess whether staying with your current lender or switching to a new one could offer you the most suitable mortgage solution.

Whether you're considering remortgaging for a new fixed-rate term or exploring other options, I'll provide personalised advice tailored to your needs.

Don't wait until it's too late – contact me today to discuss your options and secure peace of mind for the future.

Your trusted mortgage adviser is here to help you navigate this transition with confidence. 📊💼

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

29/06/2024

Directors' & Staff Benefits

Recruiting, motivating and retaining able staff is a key preoccupation of many businesses. Getting the rewards mix right is an important ingredient in successfully managing such staff. Remuneration menus made up of pensions, life insurance, tax efficient bonuses and benefits are common in well-managed businesses. But they require careful planning and selection depending on the type of business and the type of staff who are involved.

What motivates and retains staff at an internet start-up business or a bioscience research operation may require a different balance than at a manufacturing business with a substantial production line workforce.

27/06/2024

It’s always good to be prepared.

Having the right inheritance tax planning in place can ensure you pass on as much wealth as possible to your beneficiaries.

We can help!

Contact us today to find out how we can help you with your inheritance tax planning.

Estate Planning and Inheritance Tax Planning are not regulated by the Financial Conduct Authority.

13/06/2024

🏡 Looking to make your dream home a reality? Explore your remortgage options with us! 🌟

Whether you're aiming to lower your monthly payments, consolidate debts, or fund home improvements, we're here to guide you every step of the way.

Our team of experts will help you find the most suitable remortgage deal tailored to your needs and financial situation.

Drop us a message or give us a call today to start your journey towards a brighter financial future!

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE

12/06/2024

Relevant Life Cover

A relevant life insurance policy enables employers to provide individual death-in-service benefits for their UK-resident employees who are aged 17 - 71 when the policy is established. The policy, which is applied for and paid for by the employer, pays out a tax-free lump sum if the insured employee dies — or is diagnosed with a terminal illness — whilst in the service of the employer.

Relevant life plans are however available only where an employer-to-employee relationship exists — i.e. employees of a limited company. For that reason, relevant life insurance is not available to sole traders, a partnership’s equity partners or equity members of a Limited Liability Partnership.

Tax treatment depends on individual circumstances and is subject to change.

06/03/2024

If you or someone you know is a first-time buyer your bank statements are a crucial part of evidencing your financial stability to be able to take on a mortgage:

If you’re splitting a pizza, or booking a holiday, make sure that’s what it says on the account.

Cash gifting in the lead up to applying for a mortgage, be careful of sudden balance drops even through gifting cash- reassure your lender of your financial stability.

Frequent Flutters an occasional dabble in the lottery shouldn’t spark concern, but large amounts dedicated to gambling may cause concern for your lender.

A new job is great! But make sure your new employer provides you with a letter stating your expected salary to avoid any uncertainty surrounding your income.

If you’ve been gifted your deposit, or a sum towards it, make sure you keep a record of bank accounts it has passed through and where it came from to avoid delays in processing your application.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

04/03/2024

Jargon Buster: Early Redemption Charges An early repayment charge (ERC) is a penalty your provider may charge if you overpay on your mortgage by more than they allow, or pay off the whole loan too early.

Sometimes securing a new deal with your current lender may mean they’re willing to forgo the ERC on your current mortgage, but not always.

It’s worth speaking to an adviser to discuss your options because ERCS don’t always mean there’s’ nothing more you can do until the end of your current agreement.

𝗬𝗼𝘂𝗿 𝗵𝗼𝗺𝗲 𝗺𝗮𝘆 𝗯𝗲 𝗿𝗲𝗽𝗼𝘀𝘀𝗲𝘀𝘀𝗲𝗱 𝗶𝗳 𝘆𝗼𝘂 𝗱𝗼 𝗻𝗼𝘁 𝗸𝗲𝗲𝗽 𝘂𝗽 𝗿𝗲𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗼𝗻 𝘆𝗼𝘂𝗿 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲.

Address

4 Cedar Court, Royal Oak Yard
London
SE13GA

Opening Hours

Monday	9am - 5:30pm
Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
Friday	9am - 5:30pm

Telephone

+442032072017

Website

http://www.idfm.co.uk/

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