4 pp brochure v2 - hlsa - fs4. income protection • pays out a regular amount if you’re unable to...

Financial Services Ltd Risk Solutions Ltd



Get the BallRolling

Your One Stop Solution to Financial Planning needs

The process of buying a new home can be a confusing and daunting experience- We can help you through this.




Insurance Specialists ● All types of Business Insurance ● Home & Car Insurance ● Commercial Fleet● Property Owners ● Public, Product and Employers Liability ● Professional IndemnityFirst Floor, 35 Winchester Street, Basingstoke, Hampshire RG21 7EE | Financial Conduct Authority Registration No.708760

07788 770800 01256 327019 www.hlsa-fs.co.ukSpecialists in: Mortgages & Re-Mortgages ● First Time Buyers ● Buy to Let ● Shared Ownership ● Help to Buy | Life & Critical Illness Insurance | Private Medical InsuranceFirst Floor, 35 Winchester Street, Basingstoke, Hampshire RG21 7EE | Financial Conduct Authority Registration No.798324

1. Life insurance (Level term and decreasing term) • With a level-term life insurance policy the amount for which you’re covered remains the same throughout the term; the premiums usually remain the same too • With a decreasing-term life insurance policy, the amount you’re covered for decreases over the term of the policy; premiums can be cheaper that those for level term • Can include mortgage protection to ensure your mortgage is paid off when you die • Can include critical illness cover • Pays your dependants a lump sum, or regular payments, if you die • Pays out on your death or terminal illness

3. Critical illness cover • Pays a tax-free lump sum if you’re diagnosed with one of the serious illnesses covered by your policy • Designed to pay off your debts, fund medical treatment or allow a change of lifestyle • No restriction on how you use it • Pays out once then the policy ends

2. MPPI* (Mortgage Protection Insurance) • Designed to cover your mortgage payments if you’re unable to work due to illness, accident or unemployment • Pays you a set amount each month • Pays for a limited period (usually 12 or 24 months) • Medical checks only carried out when you make a claim so you can’t be sure if any pre-existing medical conditions will be covered until you actually make a claim • Usually have an exclusion period meaning you won’t be able to claim straight away • Don’t confuse with PPI * This is for information purposes only as Rouse Ltd does not provide advice on this type of policy

4. Income protection • Pays out a regular amount if you’re unable to work owing to illness or injury• Payments are tax free• It’s not the same as PPI (which covers a particular debt and payments go to your lender) • Policy can be tailor-made to suit your individual require-ments

Need a helping hand to find the right mortgage? We can help

Protect your income - Protect your mortgage

We aim to remove the confusion from the mortgage market and guide you to an appropriate solution for your specific needs. There is a broad range of prod-ucts available to us and, as we are not tied to any lender, we provide advice on all kinds of mortgage based on a comprehensive assessment. However, we don’t offer advice on mortgage products that are only available by going directly to the lender. We advise on all kinds of mortgages including resi-dential and buy-to-let and can introduce to our part-ner equity release specialists for lifetime mortgages. We have the facilities to also advise on the current government schemes available. It has become more challenging to obtain a mortgage since the Mortgage Market Review came into effect in April 2014 and we offer a service that will guide and help you through the complex process from

start to finish. It includes dealing with estate agents, valuers, solicitors, and all other associated parties to ensure your house-buying process is as smooth and stress free as possible Qualified and experienced- Wwe work with you, at your pace. We can discuss your mortgage and protection requirements at our office in Basingstoke, at your home, or you can contact us by phone or email; whichever works best for you. Paying for our service Our initial consultation is always free. If you decide to proceed with us HLSA Financial Services charges a typical fee from £250 up to £500. We are also paid a procuration fee by the mortgage lender. This combination of fees covers the cost of the fact-finding process, our research, presenting our recommendation and processing your application through to completion.

Taking out a mortgage is one of the most important financial decisions we can make. Poor advice could cost someone their home so it’s vital that the advice process is fit for purpose. The Financial Conduct Authority

Once you’ve secured your mortgage and the home of your dreams, don’t risk losing it by not having appropriate protection for your income. Research published in 2014 (by Friends Life) revealed that more than half of UK mortgage payers are unprotected against the risk of being unable to work. And with many people currently not having enough savings either this leaves millions of people vulnerable to the risk of repossession. Think ahead ! Start by thinking about what would happen if you were to fall ill or die, have an accident or lose your job. What income can you rely on to cover your living costs and specifically, your mortgage? Don’t add to your worries or those of your dependants by leaving them potentially without a home.At HLSA Financial Services we are able to arrange protection from a comprehensive range of insurers with products designed to protect you, your income and your mortgage should life take an unexpected turn. How much and what type of cover you need will depend on your individual circumstances – We can help you put together a protection package that’s appropriate for you – call us for further information.






Paying for your home Once you’ve identified your dream home the bottom line is how to pay for it. We can guide you through the process and help you get the solution that works best for you.

Mortgage repayment types There are two main ways to repay your mortgage and there are some stark differences between them. We can help you identify which is appropriate for you.

Step 1 • We’ll meet to establish your objectives, borrowing potential, and plan budgets and costs. • If you decide to proceed with us we then search the market for the most appropriate mortgage product for you. Step 2 • You look for, and find, your ideal home. • Receive agreement in principle from mortgage lender. • We meet again and, using the information gathered at the first meet-ing, decide which way to move forward and if appropriate, you make an offer. • Agree together the next steps. Step 3 • We meet to complete your mortgage application once you’ve had an offer accepted. • Choose a solicitor. Step 4 • Discuss and arrange mortgage survey, home buyer report and structural survey. • Local searches un-dertaken by solicitor.

Step 5 • Mortgage offer is issued to you by the lender, with a copy sent to your solicitor and to ourselves. With you every step of the way Step 6 • Solicitor completes the legal work. Step 7 • Exchange contracts. Step 8 • Completion. Step 9 • Mortgage review.

If you’d like further advice on mortgages and protection contact Zakia Khalid on 01256 327019 or email [email protected].

Your home may be repossessed if you do not keep up repayments on your mortgage. The Financial Conduct Authority does not regulate some forms of Buy to Let Mortgages. To understand the features and risks of a lifetime mortgage you should ask for a personalised illustration.

Capital and interest • Also known as repayment mortgage • Monthly payment consists of part capital and part interest • In early years payment consists mainly of interest with more capital being repaid as term progresses• Certainty of mortgage being repaid (provided all repay-ments are made) • Cautious method

Interest only • Only interest paid each month • No reduction in capital unless made voluntarily • Must have a suitable savings vehicle or repayment strategy (e.g endowment policy, ISA, pension or sale of property) • Regular reviews required • Adventurous method

Mortgage rate types The long and winding road that leads to your dream home becomes even more complex here. In a Spaghetti Junction of options we can help provide the SatNav. Standard variable rate • Rate is the commercial ‘default’ rate set by the lender • Generally no arrangement fee payable • Generally no early repayment charge • Rate is set by lender and can move up or down Discounted variable rate • An incentivised rate to provide lower payments in the early years • Linked to lender’s standard variable rate • Discount for a set period, typically 2,3 or 5 years • May be an arrangement fee • May be early repayment charges • Rate is variable and so can move up or down Tracker rate • Generally linked to the Bank of England base rate • May track for a set period e.g 2,3 or 5 years or for whole mortgage term

• May be an arrangement fee • May be early repayment charges • Rate is variable, so can move up or downCapped rate • Generally a tracker rate with an upper limit • Product generally for a set period, typically 2,3 or 5 years • Generally an arrangement fee payable • Generally, early repayment charges • Although rate is variable, so may move up or down, the cap provides a degree of stability Fixed rate • Rate is fixed for set period typically 2,3 or 5 years • Payment stability during fixed rate period • Generally an arrangement fee payable • Generally, early repayment charges • No benefit from drop in interest rates

We hold your hand every step of the way HLSA Financial Services Ltd offers end-to-end advice to support you. Our team of Financial advisors can help you understand and choose the most appropriate products to suit your lifestyle and goals. From the moment you decide to engage our mortgage and protection advice service we guide you through the journey. But it doesn’t end when you get the keys to your new home. When your initial mortgage product ends we can help you review your mortgage arrangements and help you once again to find an appropriate solution for your particular set of circumstances.

Wills & Funeral PlansMost people put off writing a Will. They don’t think about who will be beneficiaries of their estate, or even who would act as guardians to their children. Some otherwise perfectly reasonable people believe a ter-rible event will befall them if they make out their will. But the simple fact is this. If you don’t make a will, you cannot guarantee what happens with your estate after you die. There could be arguments between family members that survive you, and if legal professionals are called in they can become major beneficiaries in their own right

Why ask HLSA Wills & Funeral Plans to prepare your wills?

Our aim is to make the make the whole process as convenient and easy as possible by carrying out all the hard work on your behalf. Call us now on 01256 327019

Pre-paid Funeral PlansMany people wish to provide for their funeral expenses, and a prepaid funeral plan is a caring, sensible and cost-effective way to do so. The advantage of a funeral plan over a savings account or life insurance policy is that you can pay now, at today’s price, and beat inflation - no matter when the service might be required.

Why buy a funeral plan? With a Funeral Plan, you will know that the funeral has been paid for at today’s prices, regardless of how far in the future the service takes place or however much prices may increase. When you choose a Funeral Plan with HLSA Wills & Funeral Plans you get peace of mind that your funeral costs and arrangements have been taken care of. Our panel consists of UK’s most trusted providers of pre-arranged funerals.

If you’d like further advice on Wills and Funeral Plans contact us on 01256 327019 or email [email protected].

HLSA Financial Services Ltd. is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages & protection insurance products. Any other product or service offered may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.HLSA Wills & Funeral Plans is a trading style of HLSA Financial Services Ltd The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts, Funeral Plans and all services deemed to fall under the Estate Planning and Estate Admin-istration services.The contents of this brochure do not constitute advice and should not be taken as a recommendation. Before taking any decisions, we suggest you seek advice from a professional Financial advisor.

HLSA Wills First Floor35 Winchester StreetBasingstoke Hampshire RG21 7EE

Tel: 01256 327019 email: [email protected]: www.hlsa-fs.co.uk








Specialists in:Mortgages & Re-Mortgages l First Time Buyers l Buy to Let l Shared Ownership l Help to Buy Life & Critical Illness Insurance Private Medical Insurance

07788 770 800 01256 [email protected]

Financial Conduct Authority Registration No.798324

HLSA Financial Services Ltd is an appointed representative of Primis Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.

Financial Services Ltd

Zakia KhalidBSc Hons | Dip Cll | Cert Cll MP | MSWWDirector

HLSA Business card Zakia artwork 24/4/19.indd 1 24/04/2019 13:54

● Instructions normally taken within three days of making an appointment. ● Instructions may be taken and Wills returned the same day in an emergency. ● Trained Consultants to visit you in the comfort of your own home. ● Legally Trained support staff.

● £5,000,000 Professional Indemnity Insurance.● Normally two visits to clients in the comfort and privacy of their own home to ensure Wills are signed and witnessed correctly. ● Fixed fees. Far less than most other Will Writers providing a comparative service. ● Never a claim against the company for negligence.

● Wills from £149.9 ● Funeral Plans from £29.64 a month ● Trusts ● Beat Inflation

● Lasting Power of Attorney ● One Off Payments or Instalments ● Members of the Society of Will Writers ● Leading Funeral Care Providers

4 pp brochure v2 - hlsa - fs4. income protection • pays out a regular amount if you’re unable to...

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