Our services

Investments can seem perplexing, with an ever growing number of products, providers and features coming to the market. It’s essential you are aware of what’s involved and why, clear on any potential risks there may be and what timescales to expect. At Closer we will help you understand any investment you make. We will make sure every recommendation is personal to you, based on your goals, irrespective of wealth.

The value of the investment and the income they produce can go down as well as up and you may not get back as much as you put in.

Ensuring our clients are adequately protected during difficult times is a key commitment to you as a client here at Closer. We will assess your current situation and provide a detailed recommendation to address any shortfalls you may have. It is our goal to identify all of your protection needs and give you the solutions that are specific to your own unique set of circumstances.

We’re here to help, whether you’re a first-time buyer, looking to move or you’ve been refused a mortgage from elsewhere. We also understand that mortgages can sometimes appear complicated. With many types of mortgage product on offer, it can be a daunting process of knowing where to start. We appreciate our customers will have different mortgage needs at various stages of their lives and it is our role to understand your situation and to ascertain your preferences. We can then research the products available and present your options to you in a clear and concise manner, helping you choose a mortgage that you understand and are happy with.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Not much in life is certain, except death and taxes! At Closer, we are able to show you the different ways of reducing your tax bill, either in your lifetime or at the time of your death. Some people worry that to avoid inheritance tax you have to give up all of your savings above the inheritance tax threshold. The good news is that you do not. Why not arrange an initial meeting to see if we can help you, in a language you understand.

Tax Planning (incl. inheritance tax planning) is not regulated by the Financial Conduct Authority. The tax treatment is dependent on individual circumstances and may be subject to change in future.

Research shows that we are living longer and the provisions we may have been expecting from the state are reducing. It is with this in mind that giving effective retirement planning advice is a key commitment to our clients. We believe that with the right planning our clients will be able to reach the standard of living they had hoped for, no matter how close you are to retirement.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Put simply, equity release is a way of releasing some of the money built up in your property, without having to sell it. How much equity you can release depends on your age, how much your property is worth and how much you chose to borrow.

Releasing equity from your property is a big decision and we will help you to understand the process, any implications that you should be aware of and the costs involved.

This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

This is a home reversion plan. To understand the features and risks, ask for a personalised illustration.