Protection

Critcal Illness

Critical illness insurance pays a one off lump sum or income in the event of being diagnosed with a qualifying critical illness.

Income Protection

Income protection is a long-term permanent health insurance policy which can support you if you can't work through illness or injury.

Life Assurance

Life assurance could help to support your family or partner if you die during the policy term by paying out a lump sum or income.

Mortgage Protection

Mortgage life insurance pays out a cash sum to help pay off the mortgage if you pass away during the policy term.

Savings & investments

Deposits

Ensure your savings are enjoying the best rates available on the market.

Investment Bonds

Investment bonds allow you to invest a lump sum for a period of time.

ISAs

Individual savings accounts (ISAs) are a tax-efficient way to save and invest money.

National Savings & Friendly society investment

National Saving and Friendly societies offer the possibility of investing monthly or via a lump sum in a tax efficient manner.

Unit trusts & OEICS

Unit trusts and open ended investment companies (OEICs) are forms of shared investments where money from many investors is invested in world stock markets.

Wills & Trusts

Funeral Plans

A funeral plan helps to cover the cost of your funeral and protect against rising funeral costs.

Pensions & retirement

Annuities

An annuity provides a guaranteed level of income until you die based on a lump sum paid with the proceeds of your pension fund.

Executive pension plans (EPP)

Executive pension plans (EEP) are tax-efficient company pension schemes normally used by directors and senior employees.

Final salary pension schemes

Final salary pension schemes are a benefit setup by an employer to provide employees with an income during retirement.

Group personal pension schemes

A group personal pension scheme is a collection of individual pension plans setup by an employer for employees.

Money purchase pension schemes

A money purchase pension scheme is a pension plan employers and employees make contributions into.

Personal pension plans

A personal pension is a tax efficient long-term investment. You can contribute a regular sum or one of payments to build up a sum of money for retirement.

SIPP/SSAS

Self-invested personal pensions (SIPP) and small self administered schemes (SSAS) give more control and flexibility compared to traditional pension schemes.

Mortgage

First Time Buyer

Broom Consultants will take you through the mortgage products and services available.

Re-Mortgage

Re-mortgaging could lower your interest rate or allow you to borrow more money against the value of your property.

Buy to let

Buying a property to rent it out can provide a good income in addition to any increase in the value of the properly over time.

Equity release

If you own your own home you may be able to release the equity held within it as a lump sum or income.

Commercial lending

Finance business development with a commercial mortgage