What We Offer

Investment Advice

Border Finance Limited is committed to providing the highest level of financial advice.

We will ensure we fully understand your current financial situation and what it is you are looking to achieve, via our initial, free consultation, before offering bespoke strategies to best secure your personal and financial future.

Retirement Planning

Following years of employment many of our Clients tell us the most important thing for them in retirement will be Financial Peace of Mind.

By determining individual goals, aspirations and attitude to risk, we can then recommend individual Portfolios which include Products that exactly match individual needs whether that be for income or growth or a mixture of both.

Pension Transfer Advice

All 3 of our Financial Advisers, Andrew Finnie, Glenn Davidson and Ian Sneddon, have many years of experience in this niche market. Recent Financial Services Industry changes have resulted in fewer and fewer Independent Financial Adviser businesses being in a position to offer the extensive advice that we can.

Pension Transfer is not for everyone. Here at Border Finance we will thoroughly discuss your individual circumstances which will then lead you to a place where you will be armed with all the information to allow you to decide what is right for you and how best to plan for your personal and financial future.

Mortgages

Mortgages the easy way as it is not as simple as you might think.

There are lots of options & lots of hoops to jump through with each provider.

We save you time and recommend only those that suit your requirements, then we apply for and process the mortgage so you don’t have to deal with all of the paperwork.

Are you a “First Time Buyer” or a “Home Owner” looking to “remortgage”? Are you a Home Mover, in other words you own your current property but are looking to move home?  Perhaps you are looking for “Buy To Let” advice to make that first investment purchase.

Equity Release

Modern Lifetime Mortgages stand at the forefront of financial planning by providing access to tax free capital to spend as required with no repayments required during your lifetime unless you choose to, and whilst you remain in your home you retain full home ownership.

Equity Release is typically available to people who are over the age of 55 and have their own home with a significant amount of equity, but don’t have enough money or income for their needs. By releasing equity in the form of a lifetime mortgage or home reversion plan, it enables the individual(s) to remain in their home and raise money for things such as:

  • to generate a capital lump sum
  • to provide an additional income
  • to provide lifetime gifts to relatives
  • for home improvements
  • for holiday home purchase
  • to fund long term care

Where equity release is a suitable solution and you take out a lifetime mortgage or home reversion plan, the money does not usually need to be paid back or the home sold until the last remaining borrower dies or moves into care, although this may not be the case, for example if you make repayments to preserve as much of the inheritable estate as possible.

Life Assurance/ Protection

Don’t become a victim of hindsight.

It’s easy to protect yourself and we’ll make the process of getting the right cover for you even easier. Our tailor-made protection recommendations provide the right cover at the right cost for you.

For example;

You might want to consider protecting your income in case of ill health

How would you meet your mortgage costs if you were unable to work due to an accident or sickness?

Are you interested in protecting yourself against a specific Critical Illness?

If you are in employment, how long would your employer pay you in the event of long-term ill health? Do you run your own business and wish to protect yourself, your staff or your key people?