Would you consider a standalone loan facility without the need to bring investments to Brown Shipley?
We would, if the opportunity to initially cater to a client’s borrowing needs presented a shorter term opportunity to build a holistic wealth management relationship with a client, which would include the opportunity to manage a client’s investments in the future.
Do we offer fixed interest rates as well as variable interest rates?
We offer both fixed interest and variable interest, tailoring any interest rate according to a client’s objectives as well as a view on the future movement of interest rates and future repayment schedule.
Would you consider an interest only loan or just capital and interest repayments?
We cater for both, after careful consideration of a client’s objectives and appreciation of the risks of interest only borrowing. We ensure that any client has the credible means to repay their borrowing in full before expiry of any considered loan term and the strategy that underpins this.
- Tax planning is not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. All lending is subject to qualifying criteria/Brown Shipley reserves the right to decline any loan application at its sole discretion.
- Clients should consult their tax planning specialist.
- Lending is subject to status.
- YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT.
- Our Investment Management service involves investing your capital which places it at risk. Investment risk means the value of your investments or any income can fluctuate and you may not get back some or all of the amount invested. We recommend our clients seek professional tax advice to understand their personal liability for investment income and/or gains. This will depend on personal circumstances and the prevailing tax rules, which are subject to change.