Looking for a mortgage, loan or other financial product? Our experienced partners at Haven Global Strategies Ltd can help you find the right solution so if you're looking for advice regarding your pension options or would like help securing that mortgage or loan, Haven can help.

In House Financial Advisors

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Please note: The value of investments may fall as well as rise and past performance is not a guide to future returns. Your home may be repossessed if you do not keep up repayments on your mortgage.

Financial advice is given by HGSL, which is an appointed representative of Intrinsic Financial Planning Ltd and Intrinsic Mortgage Planning Ltd which are authorised and regulated by the Financial Conduct Authority.

Haven Global Strategies Limited is registered in England and Wales. Company no. 07661911 Registered office: Mansion House 2nd Floor Manchester Road Altrincham Cheshire WA14 4RW. Telephone: 0161 923 0009.










Pensions
Whether you are starting out, nearing retirement or wanting to review a number of legacy pensions from your working life, Haven can help you through the pension minefield by offering help and advice on the best way forward with your provision for income during retirement.

Plans Haven can help arrange:
- Small Self-Administered Schemes
- Self-Invest Personal Pension
- Personal Pensions
- Stakeholder Plans
- Auto Enrolment
- NEST
Mortgages
Haven can offer a 'whole of Market' solution for clients seeking a mortgage. They use the latest technology to search lenders in order to seek the best deal for our clients.

The types of loans Haven can arrange include first time buyers, re-mortgages, equity release, buy to let and commercial loans. These include interest rate options of variable, fixed, discounted and capped / collared.
Income protection
What would happen if you lost your income due to an accident, sickness or serious illness?

This is the biggest vulnerable area for our clients, yet so many are under insured or have no cover at all.

Cover comes in several forms, from a 2 year protection plan, up to a comprehensive plan providing protection until state retirement age. The income is normally tax free and typically you can cover yourself for 65% of your earnings. Haven can help you choose the level of protection that is best for you and your lifestyle.
Life Insurance
Life assurance comes in many forms and runs for a set period of time, during which time should a death occur, there is a tax free lump sum due to the beneficiaries of the deceased.

Haven can arrange some of these plans on your behalf including; Level Term Assurance, Decreasing Term Assurance, Increasing Term Assurance, Convertible Term Assurance, Endowments and Whole of Life plans.
Critical illness insurance
The diagnosis of a critical illness doesn’t have to be life threatening, but in many ways could be life changing. Your home may need adapting, your lifestyle could dramatically change and even your day to day ability to carry simple activities could alter.

So, whether you want an income replacement or a tax free lump sum on the diagnosis of a critical illness, these are just some of the options available for clients seeking to protect themselves in such a situation and Haven can help advise on the best option for you
Tax free savings
Whether investing for growth or income, there are ways in which you can work and plan for your future in a more tax efficient way.

Haven can offer sensible tax planning help and advice through a number of vehicles, such as: ISA's, Junior ISA's, Pensions, Dividend Income (£5,000), Certain Savings Interest (Limited), Premium Bonds, National Savings Certificates, Friendly Society plans, Endowments, Bonds (tax deferred income), Offshore Investments, EIS and VCT.
Investments for children
There are many different saving vehicles for children, some offer tax free status and others a flexible method of saving for education or other needs for the future of your child.

Some parents or grandparents even set up a Pension at birth and gain the tax relief on premiums to provide a future pension pot, you can never start too early!

Some options that Haven can help you to take into consideration for your child include: A Junior ISA, Friendly Society plans, Endowments, Stakeholder Pension and Children's Bonds.
Wills
Haven can offer you a comprehensive Will service. They generally tend to provide Wills as a tax planning tool not just a basic Will.

This is because it's not just a case of making a Will, this is a more important action than that. There are many different things to include within your Will that will protect both you and your family.
Home Insurance
Protecting what is often your largest asset should involve a comprehensive approach to cover. Haven offer choice from the whole of the market and can arrange such cover to provide that peace of mind.

Whether this is for your main home or investment property, seek that 'comprehensive' cover and take the stress and strain out of any potential claim situation.
Private Health Cover
Haven partner with one of the UK's market leaders in this field. There is the chance to win cashback along with other discounted services and products each year.

Private Medical Insurance offers that peace of mind when perhaps you do not want to wait, or don’t have the time to wait months to either gain an opinion or carry out a procedure.