JAN
20

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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Glencarse

Financial Planning Union

1 Rose Cres, Perth PH1 1NS, UK – 01738 580690

We went to James when we bought our first house and he was the first we went to when we wanted to move. We are a very complicated case with my husband being disabled but he put an incredible amount of work into our case and managed to get the LIFT Scheme (which is for first time buyer only) to help us move to a more suitable property. We now own a house which we thought was far out of our reach, but thanks to James and Joyce they made our dream house a reality. We were constantly kept in the loop about how we were progressing. We have recommended James to family and friends and without a dou t we would not go to anyone else. Thank you so MUCH James and Joyce!

Johnston Carmichael Chartered Accountants & Business Advisers Perth

66 Tay St, Perth PH2 8RA, UK – 01738 634001

AJD Financial Services Ltd

2 Charlotte St, Perth PH1 5LL, UK – 01738 628435

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Glencarse.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

The Lending Channel

2/17 King James Business center, Friarton Rd, Perth PH2 8DY, UK – 01738 583008

Read current articles in MoneyWeek magazine.
Bank Of Scotland

10 King Edward St, Perth PH1 5UT, UK – 01738 412640

Clean and staff on hand to help 👍

They're really good at counting money

TSB Bank

32-35, St John's Centre, King Edward St, Perthshire, Perth PH1 5UG, UK – 01738 799998

Staff nice and helpfull 😊 No big Qz 👍

I've just switched to TSB, went in today at 4.50pm to pay in a cheque, Linda was so helpful - she talked me through unlocking my card, and changing the pass number and also ordered me a cheque book, all with a smile! Many thanks, I'm impressed.

RBS

12 Dunkeld Rd, Perth PH1 5RB, UK – 0345 724 2424

A great bank to open an account for students. Very friendly staff.

Only day I can get into this branch and now closed on Saturdays

Banks

Santander

105 High St, Perth PH1 5TJ, UK – 0800 030 4321

Always very helpful staff.

Bank Of Scotland

10 King Edward St, Perth PH1 5UT, UK – 01738 412640

Clean and staff on hand to help 👍

They're really good at counting money

TSB Bank

32-35, St John's Centre, King Edward St, Perthshire, Perth PH1 5UG, UK – 01738 799998

Staff nice and helpfull 😊 No big Qz 👍

I've just switched to TSB, went in today at 4.50pm to pay in a cheque, Linda was so helpful - she talked me through unlocking my card, and changing the pass number and also ordered me a cheque book, all with a smile! Many thanks, I'm impressed.

Building Societies

Skipton Building Society - Perth

179 High St, Perth PH1 5UN, UK – 01738 443773

Nationwide

204 High St, Perth PH1 5PZ, UK – 0800 554 0935

Mortgage Brokers

Next Home Estate Agents Perthshire Scotland

63 - 65 George St, Perth PH1 5LB, UK – 01738 444342

Amazing communication from start to finish. Didn't have to do a thing and had no worries. Would recommend and use again.

I contacted Next Home regarding advice on finding the best mortgage deal available. Brian was amazing and helped me through the whole process, keeping it simple and offering me options as what kind of mortgage and help schemes I could benefit from. For sound financial advice I cannot recommend Next Home enough.

ASC Finance for Business - Scotland

28 York Pl, Perth PH2 8EH, UK – 01738 230333

Lime Mortgages Perth

9 Charlotte St, Perth PH1 5LW, UK – 01738 445525

Mortgages

Connolly Financial

7 S St John's Pl, Perth PH1 5SU, UK – 01738 565262

Direct Financial Sevices

3c Kinnoull House Riverview Business Park, Friarton Road, Perth PH2 8DF, UK – 01738 553799

HSBC

82-84 High St, Perth PH1 5TH, UK

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