Exciting NEW overseas Property Investments...
If you’re looking for a bit more than a change of scenery
why not talk to us about our overseas property connections
in Cyprus offering both lifestyle holiday home
and investment opportunities. Please call Mhairi on
01368 860712 to discuss further (or e-mail us now).

(The products and services promoted here are not part of the Openwork offering and are offered in own right. Openwork Limited accept no responsibility for this aspect of our business. These products are not regulated by the Financial Services Authority.)

Stock Market fluctuations not to your liking?
Recent volatile activity in the stock market has been unsettling, even for the specialist investor! So we have sought out some excellent alternatives which take away the uncertainty of future fluctuations whilst still deliveringvery agreeable returns on your investments. These include... Protected Profits through Stirling Guaranteed. - No loss of capital for 5 years with Prudential. - Guaranteed income for life through Scottish Equitable.
Please call Andrew to talk about this one on 01368 860712
(or e-mail us now).

Old or Paid Up Pension?
An additional service now offered through the practice is to analyse your Pension through the O&M software system which can compare your fund projections to the low Stakeholder Scheme. Please give us a call on 01368 860712 to discuss further (or e-mail us now).

Where there’s our way there’s a will...
We all have things to do that we put on the ‘I’ll get round to it later’ pile and we all know the reasons why, for most of us, delaying sorting out our will is one of these. Yet the difficulties, complications and consequences that this can lead to for your family can be so great that it’s hard to understand why so many of us still haven’t arranged a will yet!

So allow us at M&A to resolve this one for you quickly and easily. Give us a call on 01368 860712 (or e-mail us) and we’ll arrange for our specialist partner to visit you at a convenient time in the comfort of your own home and get this one sorted out once and for all.

Will writing is not regulated by the Financial Services Authority.

Would you like to know if there are any ‘A’ day
benefits for your pension plans?
Did you know that on average people spend more time planning their annual fortnight in the sun than the 25 year break at the end of their career? Under ‘A’ day rules there are many more options available to you to plan for your retirement. For a full review taking into account your
existing arrangements call Andrew to discuss further on 01368 860712 (or e-mail us your request).

Mortgages.
With base rate at 0.5% there are some excellent opportunities for re-mortgages and new purchase for either your new home, holiday house or Buy to Let investment.Buy to Let Mortgages are not regulated by the Financial Services Authority. A fee of a maximum of £250 or 0.5% of the loan amount, if greater, is payable on completion. Typically this will be £199.00.
Please call Andrew or Mhairi on 01368 860712 to discuss
(or e-mail us your request).

Life Assurance.
whether its family protection or mortgage cover we have a solution for you including life cover, critical illness and income protection. In many cases the cost has come down in price so well worth reviewing your existing cover.
Call Andrew on 01368 860712 for a discussion
(or e-mail us your request).

Your home may be repossessed if you do not keep up repayments on your mortgage.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.