Our services include:

• Protection
  The need for protection through life assurance is always of paramount importance.  How would your family cope after your untimely death?  As an Independent Financial Adviser, Silverside Financial Services Ltd can search the market for the most competitive terms.

• Critical Illness and Income Replacement Insurance
  You are much more likely to suffer a serious illness than die before you retire.  It could be a very worrying time and you and your family should not have to be concerned at the same time about loss of income and problems with money.

• Savings
  We all have things we want to save for…. Weddings, world cruise, school or university, even a classic car.  If you don’t put money away in a regular, disciplined way, who else will?

• Pensions
  The State will provide!  It will provide, but only in a limited way.  Your employer may help, but what if you don’t have a company scheme?  Even if you do, will it give you enough to live on?

• Company Pensions
  Are you looking to set up a pension scheme for you and your employees?  Maybe a Stakeholder or an Occupational Scheme.  We can advise you on the most efficient route and the best provider to suit your requirements.

• Investments
  Are you getting a good return on your investments?  Unit Trusts, Bonds or Individual Savings Accounts (ISAs) provide a flexible, tax efficient means of saving for lump sums or regular monthly amounts.

• Mortgages
  Are you paying too much for your mortgage?  Are you looking for a mortgage?  There are many offers around today for loans and remortgages.  Why not take advantage and perhaps save money.  We can introduce you to leading lending sources.  We use up-to-date technology to source the most suitable deal for you.
  
  Your home may be repossessed if you do not keep up repayments on your mortgage.
  
  For arranging your mortgage, we can be paid either by commission from the lender, or by a fee (normally ½% of the loan, for example on a loan of £100,000, the fee would be £500) or by a combination of a fee and commission. In all cases, we charge an administration fee of £50 payable upon application for your mortgage.

• Lifetime Mortgages
  Are you over 60 and would like to look into releasing the equity from your home? Releasing equity from your home through a lifetime mortgage could be the answer to raising the money you need without you needing to move. It is a big decision and there are many aspects to consider, such as any effect it may have on your tax status or your entitlement to some means tested benefits. Releasing equity also means your estate receiving less and, depending on how much you release, it could receive nothing from the sale of your home. Equity release schemes can work out more expensive in the long term than downsizing to a smaller property. With a lifetime mortgage, every year interest is added to the amount you owe. This will reduce the remaining equity in your home. If you live a long time or house prices fall, there may be no equity left for your heirs to inherit. There may be more suitable methods of raising the funds you need. 
  
  This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.
  
  For arranging your mortgage, we can be paid either by commission from the lender, or by a fee (normally ½% of the loan, for example on a loan of £100,000, the fee would be £500) or by a combination of a fee and commission. In all cases, we charge an administration fee of £50 payable upon application for your mortgage.

• Business Insurance
  Most prudent business people insure their business property – cars, machinery, etc.  Not many insure the most expensive asset of any business – its people.  Consider the effect on your business if you or one of your key employees were to die or become seriously ill.  Would you like to be in business with your partner’s (or Director’s) widow’s next husband?  Share protection is vital if you are to safeguard the ownership of your business.

• Buildings and Contents Insurance
  We have a range of companies we can use to provide competitive quotes for Buildings and Contents or Contents only insurance, including cover for Landlords on Buy-to-Let properties.

   The Financial Services Authority does not regulate some forms of mortgage, equity release and school fees planning.