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Wills
One thing in life is certain - we are all going to die
Sad but true and it would be wrong if we didn’t ensure our relatives were looked after when we do. So why do so many people fail to make a will? This can cause problems for your loved ones exactly at the time when they really need to know they are financially secure.
What does a Will do?
A Will is a legal document which details how you would like your assets and other matters handled when you die. If you die without having made a Will, the law decides who inherits your estate. Is this what you really want?
As an example most married couples believe that if they die without having made a Will all of their assets will pass directly to their surviving spouse. In most cases this does not happen and this can lead to unnecessary inheritance tax liabilities.
What's in a Will?
Typically a Will deals with:
- Who you would like to administer your affairs
- How you would like your funeral to be arranged
- Who you want to be a guardian for your children if they are under 18
- Gifts of money or possessions to individual people
- Who will benefit from the remainder of your assets and when and how they will receive them
- Minimising your estate’s liability to inheritance tax
It’s not difficult
It is neither difficult or expensive to prepare a Will. It is usually a straight forward matter and brings you the peace of mind of knowing your finances are in order whatever happens in the future.
It is important
Your Will can save your family and friends a great deal of trouble and money. If you ignore inheritance tax issues you may well find that the Government receives a much higher amount of your assets than anyone else.
Call us now and arrange to see an advisor and we can give you all of the information and peace of mind you need.
Articles Worth Reading
It's amazing how many of us will go miles out of our way to save a pound or so on the weekly shopping, or a few pence on a litre of petrol, but tend to overlook the potential savings we could miss out on if we make the wrong choice when reviewing our mortgage options. Should we take the lender's standard variable rate, a fixed rate or tracker scheme? With over 1000 different offers available it's not easy to find the most suitable UK Remortgage deal.
In these unprecedented times with The Bank of England Base rate at a record low, and lenders being more selective and tightening their criteria, why not take advantage of our expertise and allow us to recommend the most suitable product available and help you avoid the cost of making that wrong decision.
Given all the time, effort and frustration that shopping around for a remortgage can involve, it's no wonder many of us don't bother! Just think how much better off you could be by letting us arrange your remortgage.
Leap Finance Ltd is directly authorised and regulated by the Financial Services Authority (541764). Your initial consultation is obligation free. There will be a fee for mortgage advice. The amount will depend on your circumstances. A typical fee would be 3% of the loan amount. The precise amount will depend on your circumstances and will be discussed and agreed before you make an application.
The overall cost for comparison is 4.6% APR
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT