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    • Financial Planning

      Introduction to Financial Planning

      Professional financial planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, in the short, medium and long term.

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    • Protection
      • Why Protection is Important
      • Life Assurance
      • Family Income Benefit
      • Income Protection
      • Whole of Life Assurance
      • Private Medical Insurance
      • Critical Illness

      Protection

      There are events we can all face that have the potential to wreck lives and families. It’s a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill. It may not happen to you – we hope it doesn’t – but it might.

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    • Savings & Investments
      • Introduction to Savings & Investments
      • National Savings Products
      • Endowments
      • ISAs
      • Junior ISAs
      • Equities
      • Collectives
      • Unit Trusts
      • OEICs
      • Investment Trusts
      • Fixed Interest Investments
      • Capital Investment Bonds
      • Offshore Collectives

      Savings & Investments

      There are many different ways to save, but whichever way you choose, the general idea is the same: to build up some money - savings - that can be used, for example, to make a large purchase such as a new fridge, go on holiday, pay for school fees or cover the cost of expensive times like Christmas.

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    • Business Protection
      • Introduction to Business Protection
      • Key Person
      • Share Protection
      • Directors' & Staff Benefits
      • Income Protection
      • Relevant Life Cover
      • Employers' Liability
      • Professional Indemnity

      Business Protection

      Every business needs to protect itself. For most businesses the most valuable asset it has is its people. Without them, a company’s survival could be at serious risk.

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    • Mortgages
      • Introduction to Mortgages
      • Mortgage Repayment
      • First Time Buyer
      • Help to Buy
      • Remortgaging
      • Standard Variable Rate Mortgages
      • Tracker Mortgages
      • Fixed Rate Mortgages
      • Cashback Mortgages
      • Offset Mortgages
      • Second Charge Mortgages
      • Buy-to-let
      • Self Build Mortgages

      Mortgages

      Mortgages are loans which are intended to help buyers purchase residential property. When you take out a loan, the lender charges interest: the same is true of a mortgage.

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    • Equity Release
      • Introduction to Equity Release
      • Types of Equity Release
      • Lifetime Mortgage
      • Home Reversion Plan
      • Drawdown Lifetime Mortgage
      • Home Income Plan
      • Costs

      Equity Release

      If you're over the age of 55, equity release offers you a way to use the value of your home to raise money. It is advised that you seek Independent Legal advice before entering into a legally binding equity release contract.

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    • Retirement Planning
      • Introduction to Retirement Planing
      • Occupational Pensions / Auto Enrolment
      • Personal Pensions
      • Executive Pension Plan
      • Annuities
      • Income Drawdown / Unsecured Pension
      • SIPP
      • SSAS
      • National Employment Savings Trust (NEST)
      • Stakeholder
      • State Pension

      Retirement Planning

      When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.

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    • Wealth Management
      • Introduction to Wealth Management
      • Relationship Management
      • Wills & Trusts
      • Online Will
      • Lasting Power of Attorney

      Wealth Management

      Wills and trusts are both useful estate planning tools. The terms are often confused, but they are distinct things that serve different purposes. Mostly, they let you take stock of your property and possessions so you can decide what to do with them.

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    • Taxation
      • Introduction to Taxation
      • Income Tax
      • Capital Gains Tax
      • Inheritance Tax

      Taxation

      Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.

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  • Specialist Sectors
    • Commercial Finance

      Commercial Finance

      You're a business, and you want to be successful. In addition to talent, tenacity and creativity, you need access to funds to help you reach your ambitious goals. This is where commercial finance can come in.

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    • Barristers

      Barristers

      You are probably unaware that securing a mortgage that reflects your earnings will not be as straightforward as you think. Unfortunately, barristers are a prime example of high-earning professionals who find it difficult to get a mortgage on the high street.

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    • Brokers and Investment Bankers

      Brokers and Investment Bankers

      Many brokers and investment bankers receive their large salaries in several ways; through commissions, underwriting fees, trading income, bonuses and varying salary. So you'd think that regularly pulling in a high income would mean that obtaining a mortgage from a high street lender would be a synch. Unfortunately, this is not the case.

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    • Contractors

      Contractors

      Working as a contractor offers flexibility, a good work/life balance and experience of several fields, but it can also be a pain. Although you may have a good income and be financially secure, proving this to banks and building societies can be a herculean task.

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    • Fund Managers

      Fund Managers

      While many fund managers receive big incomes, a large proportion of their earnings can come from different sources, such as varying salary, shares and bonuses (with some bonus income deferred over a number of years or paid in foreign currencies). This can prove problematic for some high street lenders who often don't understand how fund managers are remunerated.

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      0203 859 3320

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    • Medical Professionals

      Medical Professionals

      Medical professionals encounter numerous problems when looking for mortgages. In addition to complex work patterns, a range of contract types and diverse career paths, they are also time-pressed, which can mean important financial decisions are not given top priority.

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      0203 859 3320

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    • Portfolio Landlords

      Portfolio Landlords

      Portfolio landlords have more stringent checks performed on them by mortgage lenders. Their overall portfolio has to meet certain background checks in terms of its total debt to rental income ratio and its loan to value ratio. This can mean the time it takes for a mortgage application to be approved is longer than it would be for a smaller scale landlord.

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      0203 859 3320

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    • Solicitors

      Solicitors

      Solicitors are trained, educated and skilled professionals, valued for their knowledge and generally held in high esteem. However, from a mainstream lender's point of view, solicitors can be risky prospects, and as such, they can be reticent to lend them the amount they need to fund a property purchase.

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      0203 859 3320

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    • Sportspeople

      Sportspeople

      Mainstream lenders and underwriters are reluctant to lend to sportspeople because they are often self-employed or they are on short-term contracts, and/or they have complex incomes. Consequently, they are treated as high risk.

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      0203 859 3320

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    • Introducers

      Introducers

      Taylor James Financial Services are privileged to work with a number of professional connections, and are always looking to forge commercially beneficial relationships with the following parties

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    • Mortgages
      • What are the different types of Lifetime Mortgages?
      • What is an offset mortgage?
      • 5 Mortgage Tips for First-Time Buyers 2022
      • Contractor Mortgages - The Basics
      • What is Stamp Duty?

      Give us a call on 0203 859 3320 or drop us a message!

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    • Pension
      • What is pension credit?
      • FAQs About Accessing My Pension Early
      • Saving for a Happy and Healthy Retirement

      Give us a call on 0203 859 3320 or drop us a message!

      CONTACT US TODAY!
    • Equity Release
      • Is Equity Release Good For Me?
      • Why It’s Vital To Get Professional Equity Release Advice

      Give us a call on 0203 859 3320 or drop us a message!

      CONTACT US TODAY!
    • Protection
      • What is the different between life insurance and life assurance?

      Give us a call on 0203 859 3320 or drop us a message!

      CONTACT US TODAY!
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  • Home
  • About
    • About Taylor James
    • How We Work
    • Testimonials
    • Privacy Policy
  • Our Services
    • Financial Planning
    • Protection
      • Why Protection is Important
      • Life Assurance
      • Family Income Benefit
      • Income Protection
      • Whole of Life Assurance
      • Private Medical Insurance
      • Critical Illness
    • Savings & Investments
      • Introduction to Savings & Investments
      • National Savings Products
      • Endowments
      • ISAs
      • Junior ISAs
      • Equities
      • Collectives
      • Unit Trusts
      • OEICs
      • Investment Trusts
      • Fixed Interest Investments
      • Capital Investment Bonds
      • Offshore Collectives
    • Business Protection
      • Introduction to Business Protection
      • Key Person
      • Share Protection
      • Directors' & Staff Benefits
      • Income Protection
      • Relevant Life Cover
      • Employers' Liability
      • Professional Indemnity
    • Mortgages
      • Introduction to Mortgages
      • Mortgage Repayment
      • First Time Buyer
      • Help to Buy
      • Remortgaging
      • Standard Variable Rate Mortgages
      • Tracker Mortgages
      • Fixed Rate Mortgages
      • Cashback Mortgages
      • Offset Mortgages
      • Second Charge Mortgages
      • Buy-to-let
      • Self Build Mortgages
    • Equity Release
      • Introduction to Equity Release
      • Types of Equity Release
      • Lifetime Mortgage
      • Home Reversion Plan
      • Drawdown Lifetime Mortgage
      • Home Income Plan
      • Costs
    • Retirement Planning
      • Introduction to Retirement Planing
      • Occupational Pensions / Auto Enrolment
      • Personal Pensions
      • Executive Pension Plan
      • Annuities
      • Income Drawdown / Unsecured Pension
      • SIPP
      • SSAS
      • National Employment Savings Trust (NEST)
      • Stakeholder
      • State Pension
    • Wealth Management
      • Introduction to Wealth Management
      • Relationship Management
      • Wills & Trusts
      • Online Will
      • Lasting Power of Attorney
    • Taxation
      • Introduction to Taxation
      • Income Tax
      • Capital Gains Tax
      • Inheritance Tax
  • Specialist Sectors
    • Commercial Finance
    • Barristers
    • Brokers and Investment Bankers
    • Contractors
    • Fund Managers
    • Medical Professionals
    • Portfolio Landlords
    • Solicitors
    • Sportspeople
    • Introducers
  • Mortgage Calculators
    • Mortgage Borrow Calculator
    • Mortgage Repayment Calculator
    • Stamp Duty Calculator
    • Overpayment Calculator
  • Online Links
    • Market Data
    • Research Links
  • Articles
    • Newsletters & Factsheets
    • Mortgages
      • What are the different types of Lifetime Mortgages?
      • What is an offset mortgage?
      • 5 Mortgage Tips for First-Time Buyers 2022
      • Contractor Mortgages - The Basics
      • What is Stamp Duty?
    • Pension
      • What is pension credit?
      • FAQs About Accessing My Pension Early
      • Saving for a Happy and Healthy Retirement
    • Equity Release
      • Is Equity Release Good For Me?
      • Why It’s Vital To Get Professional Equity Release Advice
    • Protection
      • What is the different between life insurance and life assurance?
  • Blogs
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Give us a call on 0203 859 3320 or drop us a message

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  • Office - Taylor James Financial Services London, 3rd Floor, 5 Chancery Lane, London, WC2A 1LG
    Telephone - 0203 859 3320
  • Email - info@taylorjamesfs.co.uk

 

Taylor James Financial Services are financial advisors and mortgage brokers covering London.

Taylor James Financial Services is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). 

Entered on the FCA Register (https://register.fca.org.uk/) under reference 535515.

Registered as a Limited Company in England & Wales No 05668905.  Registered Address:  Rosemount House, 2-4 Chequers Road, Basingstoke, RG21 7PU.

The information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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