Latest News

Latest News

Wednesday, 03 January 2018 16:34

Determine your borrowing limits

The world of finances can be a scary place, especially to the unseasoned individual. However, Capital Alliance Financial Services Ltd aims to make the entire experience a much smoother one for people in these situations. Well educated on the subject of first time buyers mortgages Nottingham clients can always rely on us. So pay us a visit if find yourself in need of assistance in this area.

Purchasing your first home can be an exciting endeavour, but working out how you're supposed to locate a vacant spot on the property ladder is tricky to say the least. Of course, there is plenty of help available to you whenever you require it, some of which we'd be more than happy to give. Below, you can find information that we've produced on mortgages that you will most definitely find useful.

One of the smartest things you can do before going house hunting is figuring out the amount you are allowed to borrow. There's no point you selecting your dream home only to discover later on that it's financially impossible for you to acquire it. In short, you don't want to be left disappointed in the end.

In past times, lenders would calculate the sum you were permitted to lend based on your earnings. Therefore, it was common for people to be awarded a mortgage of three times their gross annual profits. These days, the majority of banks consider the mortgage's affordability, and ask you for outgoing and incoming details before deciding on how much they are prepared to loan. Another factor they will review is the possible influence of upcoming interest rate increases.

At Capital Alliance Financial Services Ltd, from beginning to end, we shall see that you're well looked after. Not only do we introduce you to the right companies, but we can also arrange insurance and protection should it prove essential, plus all of the legal stuff i.e. stamp duty, conveyancing, etc.

If there's anything you need, just give the team a call.

It is never too early to consider your will and what you want to happen with your estate after you pass away. In fact being prepared can prove to be a good precaution, especially if you have a look at what can happen if you don't have everything in order. If there is no will it can result in a big legal battle between your family, expenses for tax and legal fees, and the risk of your wishes not being observed.

At Capital Alliance Financial Services Ltd we can offer support with will & estate planning Nottingham residents can rely on. Our unique position as an independent company means we can find the perfect service for every need. We are not limited in terms of the providers we work with, giving you complete freedom and flexibility to select the right service.

Before looking for a company to write a will for you there are a number of important things you need to think about. We will discuss these with you below.

Inventory your assets and any liabilities

This is a very important step because it will reveal the full extent of your estate. You can make sure that all liabilities will be covered and then see what your net worth will be. In addition you can see if any special provisions such as handing over control of a family business are needed. Taking the time to do this can make it easier to find a will service and save you money.

Decide on beneficiaries

Your will should set out exactly how your assets will be distributed. Before this can happen you need to decide on the beneficiaries. This can be whoever you choose but make sure you remember to determine how they should receive the assets. For example you may decide to hold money in trusts to be paid out at specific points.

Determine who will manage the estate plan

There are a number of options for executor including a family member, your attorney, or even a corporate trustee if you prefer. Make sure you keep in mind the nature of the assets and select the right person for the job.

Once you have these basic things in mind you are ready to start looking for someone to draw up the official documents. Capital Alliance Financial Services Ltd can help, arranging will & estate planning Nottingham based clients will be comforted by. If you have any questions for us please get in touch.

Thursday, 21 December 2017 16:31

The brighter side of unsecured loans

Capital Alliance Financial Services Ltd strives to assist those clients who are currently experiencing financial hardships. Specialising in offering advice about unsecured loans Nottingham based clients can have faith in, we are able to introduce you to the people who can get you started on the path towards stability. Regardless of what your issues are, we will see to it that you're given the appropriate level of support.

There are two types of borrowing in particular that people opt for in the world of loans; secured and unsecured. Surprisingly, the latter is the least complicated of the pair. With a non-secured loan you aren't required to put up your belongings as collateral. Although the name does put some people off, there are actually a myriad of benefits to choosing this approach.

The most noteworthy advantage is that an unsecured loan isn't exclusive to either homeowners or tenants. These loans enable anyone who needs them to borrow money. No matter the category that you fall into, no collateral is demanded of you. As you might expect, this also means that there's no threat to your house. For those homeowners who desire a loan but would prefer to avoid the stress of having their property put at risk, unsecured finance would be highly suitable.

Something else that points individuals in the direction of unsecured loans is the speed at which they can be completed. Seeing as how there isn't any collateral or titles to inspect, and that the loans themselves are typically minute, finishing everything takes relatively little time. In certain cases, it's even possible to obtain money on the approval day.

At Capital Alliance Financial Services Ltd, there are a number of conditions one must meet in order to be eligible for an secured or non-secured loan. If for any reason you do not meet the necessary criteria, we advise that you still get in touch with the team, as there may be some way that we can aid you.

Should you need any assistance, don't hesitate to ask. We are committed to offering the best advice about unsecured loans Nottingham based lenders could ask for. We are a knowledgeable team and will offer the best possible level of service.

For those who are unfamiliar with the subject, critical illness cover is something that supplies you with tax-free sums should you be suffering from certain health conditions. This includes the likes of heart disease and cancer to name some. If you are someone who falls into this category and needs assistance, we can help by introducing you to the correct provider. We have built a great reputation for arranging critical illness insurance Nottingham based clients can rely on.

This form of insurance acts as long-term protection that covers alarming illnesses that are mentioned within the policy. It aids you by providing funds to pay for things like debts, rent, mortgages, or mandatory modifications like wheelchair access. Not every condition is included however and they must be serious enough in the first place for you to qualify.

Should something go wrong, standard benefits might not be sufficient replacements for your regular income. Insurance may therefore prove essential. The amount you receive all depends on specific circumstances such as the number of children and the money you have saved up already. Those who lack an employee benefits package or an adequate level of savings should look into getting this cover.   

There are also circumstances where you may not require critical illness cover at all. If you live with a partner who is capable of covering the costs of your mortgage and similarly shared commitments, then it might prove unnecessary. Additionally, anyone who has a variety of cover from an employee benefits scheme probably won't need additional help, but it wouldn't hurt to make sure.

At Capital Alliance Financial Services Ltd, we assist everyone that has trouble with deciding what kind of policy they need. We strive to offer nothing but the very best critical illness insurance Nottingham residents could ask for. Payments can be made in lump sums, but if you prefer, monthly instalments can be arranged.

If there are details that you would like to discuss, please get in touch with our team.

Thursday, 07 December 2017 16:26

What is involved with a commercial mortgage?

Keeping your finances in order is a tricky business. Luckily it can be made better with the help of professionals. Specialising in commercial mortgages Nottingham businesses can rely on, as well as a number of other areas, we attend to your needs in a cost effective yet efficient manner. Anyone who is currently experiencing difficulties with their own money should come to us if they require aid.

Commercial mortgages are loans that are secured on those structures that aren't places of residence. Business loans that go up to £25,000 aren't secured, but security is a necessity for bigger amounts as lenders have to lower the risks to themselves. Due to administrative and legal costs of taking security on commercial complexes, it isn't thought of as economical to lease less than £50,000 this way.

In terms of what you can provide as security, lenders usually focus on the buildings you're purchasing. Typically they will lend up to 70% of the property's value. They also request a cash deposit for the purchasing price's balance. If you lack the money, then you can supply the lender with other security. This is normally property that you possess an exceptional level of ownership in. However, there could be a charge over certain other forms of capitals like shares or insurance policies.

Whilst seeking out the right mortgage, a smart suggestion would be to acquire a broker's assistance. They have the knowhow and contacts needed to obtain superior deals. Just remember though that they must present the lenders with your case, so you'll have to remain 100% honest with them at all times. Don't attempt to use multiple brokers at once either, as you could end up with nothing.

At Capital Alliance Financial Services Ltd, we offer no-obligation consultations that examine your demands and present you with an appropriate solution. If you are someone that already has a mortgage and feel as if you're paying an excessive amount, we can help you in finding a re-mortgaging resolution.

Should you need us, get in touch as soon as possible. When it comes to commercial mortgages Nottingham businesses should make us their first call. We will support them, getting to know their specific needs and working hard on their behalf to find the right financial services.

Capital Alliance Financial Services Ltd has a very talented team knowledgeable about the likes of insurance, mortgages, and other financial subjects. Possessing a particular aptitude for debt services, we assist individuals from all over the UK who are having difficulties keeping track of their money. If you too are in a somewhat undesirable situation, your next step should be to contact us.

In truth, there are all sorts of ways that you can accumulate debt. Payday loans are one of the most common reasons why people see more money going out than in. To give you an understanding of how these allowances work, we feel it necessary to go over some of the finer details.

Payday loans are short-term, unshielded advances for those who find themselves lacking funding each month, due to either unanticipated expenses or a low wage. The amount you can borrow ranges from £50 to over £1,000. The thing about these loans is that it's mandatory to pay the whole figure back come the next payday. This is what makes the debt such a challenge to supervise. Furthermore, since a payday loan's representative APR is lofty, the added interest charges can transmute what was once a short-term deal into inordinate debt.

A payday loan is something that can get out of hand rather easily. If you find yourself incapable of making the required payments on time, then there's additional pressure to get another loan to pay off the first. The resulting cycle can mount up your universal debt quite rapidly.

At Capital Alliance Financial Services Ltd, we have the connections needed to put you in touch with a dedicated company. With the combined help of this establishment and our own business, we can aid you with things like negotiations to keep your house, writing off some unsecured debts, and asking for late payment and interest charges to be frozen.

If there is anything we can do for you in terms of debt, please let us know. We will provide full support, working to remove as much stress as possible so you can focus on improving your finances.

We are a company that provides an array of high quality financial services to customers from across the UK. With an MD who has over three decade's worth of experience overseeing all of our cases, we are confident that we can find a solution to your troubles. If you happen to be concerned about self employed loans Nottingham has no better team to contact than ours.

Over four million individuals in the UK are registered as being self employed. Being your own boss can be great, but there are certain cons that you need to be aware of. Acquiring a loan may be particularly tricky. Given recent financial crises, it's perfectly understandable for lenders to exercise caution, especially with those they consider more risk prone. It is possible however to prove your responsibility.

If you require a bit of help, a specialised loan for self employment might be just the answer. A multitude of lenders offer these and are understanding of the fact that being in this situation makes getting lending challenging. Application procedures may differ between each lender; however, the one constant is that you'll need powerful evidence proving yourself as a satisfactory risk.

The majority of lenders will be seeking out a minimum of six months worth of business and personal bank statements to get things moving. In specific instances, you can borrow as much as £500,000, a figure that can be extended over a period of time you're most comfortable with.

Obtaining mortgages can also be a delicate process for self employed individuals, but it's by no means impossible. When applying you shall have to produce two year's worth of tax and account returns. This is to show a record of consistent work.

At Capital Alliance Financial Services Ltd, we work hard in order to help you locate the funding that is most suitable for your circumstances. On your behalf, we will scour the financial establishments existing on the market. That way you stand the better chance of getting the loan you need.

Our reputation as one of the best placed for help regarding self employed loans Nottingham has really makes us stand out. If there are details that you would like to discuss with us, please contact the company.

Monday, 20 November 2017 10:58

A look into mortgage protection insurance

Safeguarding your finances is essential, especially when it comes to purchasing new property. Experienced in arranging mortgage protection insurance Nottingham clients can rely on, we can offer you security measures that last for 12 or 24 months, ideal for when you're currently off work due to sickness or unemployment. If you are uncertain about the future of your financial situation, we strongly suggest that you consider the help that we can supply.

For those unfamiliar with the scheme, insurance to protect your mortgage covers certain parts of your monthly bill when you become unable to meet payments for prolonged periods. This could be due to loss of employment, ill health, or a number of other circumstances.

Something to note about this insurance is that it differs from private mortgage cover quite significantly. With the latter, it goes to the lender in the event that you default on your mortgage. Additionally, there aren't any particular advantages for the borrower. However, mortgage protection insurance does safeguard the borrowers. Even though an appreciable number of lenders provide it, the coverage isn't specifically designed to defend them.

There are a series of benefits to using this kind of insurance. Incredibly high acceptance rates are one of them. There aren't too many reasons as to why providers would deny you the protection. Some people may have a difficult time obtaining life insurance due to their current medical conditions or age. If your circumstances are similar, then mortgage insurance may be just the thing for you.

At Capital Alliance Financial Services Ltd, with our assistance, you will be able to cover the costs of any building and contents, or life insurance that's related to you house. The mortgage protection insurance Nottingham residents can arrange with us offer much to you, including back to day one cover, single or split cover, and more.

If you'd like additional information on our scheme, please get in touch.

One of the most confusing things about buy to let mortgages is the difference between consumer and professional borrowers. At Capital Alliance Financial Services Ltd we would like to explain the differences between the two, providing important details and tips. We are one of the leading resources for consumer buy to let mortgages Nottingham has so you can rely on the information we offer.

Professional buy to let mortgages are for people who choose to purchase a portfolio of properties as a business. They are slightly different because these investors tend to already have a mortgage, typically for their own home. They also generally need less supervision.

Consumer buy to let mortgages are designed for individuals who become landlords by accident. For example they may want to obtain a mortgage for a home that they have inherited, previously occupied but have moved out of, or are unable to sell. They have to meet similar affordability tests to when you apply for a residential mortgage.

New regulation for consumer buy to let mortgages came into force in March 2016. The UK government made the move to supervise them for the first time, working to improve standards. As part of this they looked to offer more protection for consumers who would become owners of buy to let properties by accident.

The move means that anyone who needs to take out a buy to let mortgage that isn't specifically for business purposes needs to choose a regulated product. It also means that lenders need to be more careful when selling them. Some may need to get additional permission to provide advice on consumer buy to let mortgages and to sell them.

At Capital Alliance Financial Services Ltd we can help you to find the correct mortgage to suit your needs. We are proud to offer full support and guidance throughout the process, explaining everything from the legal requirements to your obligations as a landlord. When it comes to consumer buy to let mortgages Nottingham based clients have no better team to call on than us.

Get in touch today to discuss your needs with our team. 

Thursday, 28 September 2017 11:16

Lowering the risks associated with retirement

At Capital Alliance Financial Services Ltd we are dedicated to providing help to clients with insurances, mortgages, and a vast array of finance services. Pension reviews also form a part of our operations, and they have proven themselves incredibly useful in the past to those who are uncertain of their situation. Whether you wish to discuss future retirement requirements or your current intentions, we guarantee that you'll find our assistance invaluable.

If you are an individual that has a defined-contribution, stakeholder, or personal workplace pension, it would be wise for you to review your investment decisions. This is especially important as you get nearer to retiring proper. The main reason why you need to do this is that you may be taking on too big a risk. Regardless of whether your pension funds lie within a default programme, or if you've selected the funds that it has been invested in.

Countless pension funds invest in a plethora of resources, including the likes of bonds, stock market shares, and money. The worth of shares is something that can either rise or falter. The further your scheme is invested in these shares, the higher the likelihood of your pension's value increasing or decreasing.

If you're able to leave your assets invested in shares for a prolonged period, like say ten years, you will have ample time to subsist the twists and turns of the stock market. However, if you'll require your money in two years time, there will be the risk of your shares losing value when it comes to retirement. Following amendments made in April of 2015 though, you now have more flexibility and choice over how and when you can withdraw funding from your pension pot than was previously permitted.

At Capital Alliance Financial Services Ltd, the comprehensive service that we offer enables you to participate in annual pension reviews that aid you in defining and achieving your goals. We understand that everyone's needs are different, which is why we encourage people to sit down with our specialists at the first given opportunity and discuss them in detail.

If our business interests you and you'd like to know more about what we do, you're welcome to contact us.

Page 1 of 3

Follow us on Twitter

We're on Facebook