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During the meeting with you I am able to find out your needs, priorities and financial goals, and analyse them. Therefore, I will find the right customised solution to achieve your target.
Our experienced and qualified advisers offer you a complete mortgage and protection advice that undoubtedly will save your time and money and provide proper customer service at all stages of our cooperation.
We understand that from time to time our clients may find themselves dealing with circumstances which could mean they are potentially vulnerable. For example, a change in health, caring for a family member or coping with the loss of a loved one. There are many different types of vulnerability, and what makes one person vulnerable might not affect someone else. When we are vulnerable, our need for financial advice may change. However, admitting vulnerability or seeking help can sometimes feel hard.
If this is something you would like to discuss with your adviser, please ask for a copy of our support guide. This guide is designed to help explain vulnerability and the ways in which we might be able to support you. If you feel any of the circumstances in the brochure apply to you, please talk to us.
Together, we are always by your side
The Openwork Partnership is one of UK’s largest and longest-established financial advice and investment companies.
Through many changes and challenges we have been a constant presence for over 45 years. We have served over two generations of clients and together seen a lot of change. Every firm is individual and distinct, yet we share values and standards with each other – for the benefit of our clients.
To maintain these high standards, The Openwork Partnership may contact you directly to you ensure your satisfaction and ask for your feedback.
We are proud of the personal difference we can make helping our clients and their families look forward to a better future with confidence and optimism.
We are an appointed representative of The Openwork Partnership, a trading style of Openwork Limited, Auckland House, Lydiard Fields, Swindon, SN5 8UB, which is authorised and regulated by the Financial Conduct Authority, 12 Endeavour Square, London, E20 1JN. Openwork Limited’s Financial Services Register number is 408285.
Openwork Limited’s permitted business is advising on and arranging mortgages, general and pure protection insurance and life insurance, pensions and investments. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/firms/systems- reporting/register or by contacting the FCA on 0800 111 6768.
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim.
Insurance advising and arranging is for 90% of the claim, without any upper limit.
Mortgage advising and arranging is covered up to a maximum limit of £85,000. Further information about compensation scheme arrangements is available from the FSCS.
…in writing
Write to: Complaints Management Team, The Openwork Partnership, Auckland House, Lydiard Fields, Swindon, SN5 8UB.
…by phone
Telephone: 03454 508508 Information about our internal complaints handling procedures is available free of charge, on request from the Complaints Management Team.
If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service. Ask us for a leaflet or contact the Financial Ombudsman Service at:
The Financial Ombudsman Service
Exchange Tower
Harbour Exchange Square
London, E14 9SR
Phone: 0800 023 4567 or 0300 123 9123
Email: [email protected]
Website: www.financial-ombudsman.org.uk
Yes, a lot of lenders will accept pre-settled status. For significant numbers of lenders, customers who receive either ‘Settled’ or ‘Pre-Settled’ status will be subject to normal residential and buy to let policy and lending criteria.
All based on circumstances and contract, there is a numbers of lenders who can accept mortgage application if you just started your new permanent contract.
Yes significant numbers of lender will accept Income from probationary employment if the probationary period is part of a permanent contract.
The payout from a life insurance plan is normally tax free. However, if the plan is not set up in Trust, you should remember that any benefits paid are likely to form part of the deceased’s estate and and can be subject of inheritance tax, unless the money is being paid to a charity.