Introducing Bower Wealth
At Bower Wealth we understand the importance of turning your financial goals into reality. Whether your aspirations are specific, such as ensuring a comfortable retirement income, increasing your net worth or retiring at the age of your choice, a well-defined financial plan is crucial. The role of a Bower Wealth financial adviser is to guide you through this process, providing the expertise and personalised strategies needed to ensure your financial objectives are not just aspirations but achievable milestones.
Review and grow your wealth
Whether your aim is to grow your wealth for a comfortable retirement income or to create a legacy for future generations, we are here to assist you in setting and striving to achieve your goals.
Protect your wealth
While the future may be unpredictable, it can be protected. That’s precisely what we do for you and your wealth with our comprehensive range of services.
Leave a lasting legacy
We can help you plan your estate to ensure your loved ones are secure, no matter what the future holds, so you can leave behind the legacy you’d want.
How we work
Before undertaking any work on your behalf, we will always inform you in writing of the cost. You will then be free to decide whether you wish to instruct us. Our fee structure will be dependent on the complexity of your situation and the work you wish us to undertake. Initial meetings are offered at our expense and without obligation. Please ask for a copy of our Client Agreement which contains details of our typical fees.
Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a guide to the future. The value of current tax benefits is subject to change.
IMPORTANT TO KNOW
At Bower Home Finance, we will understand your unique circumstances and advise you to ensure you are receiving the best plan to meet your objectives. There are plans that allow you to make voluntary repayments and move home, subject to lender criteria. However, early repayment charges may apply in certain circumstances.
Equity release requires paying off any existing mortgage. Any money released, plus accrued interest to be repaid upon death, or moving into long-term care. Equity release will reduce the value of your estate and your entitlement to means-tested benefits now or in the future, and impact long-term care funding.
Bower Home Finance provides independent, impartial whole of market mortgage and equity release advice with an award-winning customer service experience. We work alongside our clients using a highly collaborative approach. We provide you with an initial consultation at our expense and we work with you on a short-term or an on-going basis, according to your needs. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances but a typical fee of £495 will be payable on offer of the mortgage. With regard equity release, only if you choose to proceed and your plan completes, would a typical advice and administration fee of £1,895 be payable.
If you are considering equity release, we recommend that you talk to one of our specialists before deciding if you wish to proceed.
To find out more about any of the products and the service we provide,please call us on freephone 0800 411 8668, email Enquiries@BowerPrivateClients.co.uk, use our contact form.
Please be aware that equity release may involve a home reversion plan or lifetime mortgage which is secured against your property. All features and risks are thoroughly explained in your free personalised illustration.
Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Some buy to let mortgages are not regulated by the Financial Conduct Authority.
Speak to one of our dedicated customer specialists or arrange your free, initial no-obligation quote by calling us on freephone 0800 411 8668.