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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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  0203 859 3320
  
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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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  0203 859 3320
  
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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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- 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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Mortgage Calculators
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?
  
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- Pension
  What is pension credit?
  FAQs About Accessing My Pension Early
  Saving for a Happy and Healthy Retirement
  
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- Equity Release
  Is Equity Release Good For Me?
  Why It’s Vital To Get Professional Equity Release Advice
  
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- Protection
  What is the different between life insurance and life assurance?
  
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Factsheets & Articles

Creating the Life You Want

Shaping your future and preparing for the road ahead

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Life After Work

Planning for the retirement you deserve

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Guide to Life Insurance Protection

Planning for a time when you're no longer around

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Guide to Pensions and Divorce

Breaking up is hard to do!

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Guide to Planning for Your Retirement

Am i ready for life beyond work?

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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.