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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Plymouth

Shore Financial Planning

15 Athenaeum St, Plymouth PL1 2RH, UK – 01752 674922

Superb advice and Customer Service from Ali and the team at Shore Financial Planning. Thank you for your help.

Molyneux Associates - Independent Financial Advisers

8 Somerset Pl, Plymouth PL3 4BB, UK – 01752 567033

Goodmans Financial Planning

6 Drake Circus, Plymouth PL4 8AQ, UK – 01752 261144

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Plymouth.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.
Natwest

12-16 Old Town St, Plymouth PL1 1DG, UK – 0345 788 8444

Nice open plan area inside with 2 small seating areas. Can be busy at peak time's but staff do there best to help any one waiting.

Friendly staff but very often not enough available.

Lloyds Bank Plc

Hms Defiance, Plymouth PL2 2BG, UK – 0845 300 0000

Good customer service.

Lloyds Bank Commercial Finance

8 Royal Parade, Plymouth PL1 1TX, UK – 0345 300 0000

Great bank. Really helpful staff. Honest can't fault it

I am not a fan of going to Banks I do all my stuff online and machines; however, when I need service there very handy,, love working with them they value customer.

Banks

Nationwide

141-143 Armada Way, Plymouth PL1 1HX, UK – 0800 554 0439

On the few occasions I have visited my friend in Plymouth,this branch has been one of the nicest most professional and helpful building society's that treat there customer's really well.

Very happy with the service, very polite and friendly staff. However, online banking doesn't let you log in?

Santander

157-159 Armada Way, Plymouth PL1 1JF, UK – 0800 030 4321

The queues are never very long, the staff are polite, competent and friendly. Can't ask for much more from a bank.

Open 6 days and usually only a short queue.

HSBC

4 Old Town St, Plymouth PL1 1DD, UK – 0345 740 4404

Very friendly and helpful staff. Nice atmosphere and waiting chairs. Having a good time with Internet banking too. Generally had no problems, been with them for years and had no reason to switch.

Like most banks today very automated.

Building Societies

Skipton

4 St Andrews Cross Roundabout, Plymouth PL1 1DN, UK – 01752 252917

Great service and friendly esp with kids

Yorkshire Building Society

169 Armada Way, Plymouth PL1 1HZ, UK – 01752 269202

Nationwide

141-143 Armada Way, Plymouth PL1 1HX, UK – 0800 554 0439

On the few occasions I have visited my friend in Plymouth,this branch has been one of the nicest most professional and helpful building society's that treat there customer's really well.

Very happy with the service, very polite and friendly staff. However, online banking doesn't let you log in?

Mortgage Brokers

Trinity Independent Mortgage Brokers

6 Southside St, Plymouth PL1 2LA, UK – 01752 201221

I've worked with Trinity for some years and they have always shown great expertise in the field of arranging mortgage finance. I would happily recommend them to anyone.

Mortgages 4 Plymouth

8 Peverell Park Rd, Plymouth PL3 4NA, UK – 01752 264500

Tricia and her staff are incredibly helpful and go that extra mile to try and accommodate your every need. They provide a first class exemplary service.

Tricia is vastly experienced in her sector and the tenacious approach to handling my requirements was exactly what I was looking for. I certainly intend to use Tricia and her team again in the future and I would recommend them to others.

Jan ONeill Mortgages Plymouth

2-4 Mutley Plain, Plymouth PL4 7AA, UK – 01752 256915

Jan has been my financial advisor for many years and does a fantastic job. I would highly recommend.

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Plymouth.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Plymouth Central that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.

Mortgages

Brunel Mortgage and Insurance Services

97 Mutley Plain, Plymouth PL4 6JJ, UK – 01752 200002

Excellent service and help. I telephoned to obtain a landlord quote for building and contents insurance. Chris was extremely helpful. He provided details of what would be covered in the policy and the excesses that would apply. He also very willingly contacted an insurer several times to check and ensure points that I needed to have included in my policy would be fully covered. My current insurance for the next year had increased by £150 and Chris found an insurer that was only £50 more expensive – a saving of £100. I would definitely recommend contacting Chris at Brunel Mortgages for an insurance quote. He may also be able to save you money.

Great service from Chris and his team, could not have asked for more! What was rather a stressful remortgage for us was made a lot easier with the guidance and support from all at Brunel. Will most certainly be calling on Chris in the future. Thank you all.

Mortgage Adviser Plymouth - Mortgages Explained

Cobourg House Mayflower St, Plymouth PL1 1QX, UK – 01752 242767

Tom at Mortgages Explained helped ensure the people I care about are protected if I can't earn a living or am no longer around. It was all Explained very clearly and my cover was really cost effective.

Tom Reader for Mortgages Explained sorted our new Mortgage out...no fuss...no problems great job...Many thanks.

The Mulberry Mortgage Company

92 Trelawney Rd, Plymouth PL3 4JY, UK – 01752 600087

Buying your first home can feel like a very daunting task with all steps, checks, contracts and costs involved. Jim was huge help from start to finish and made us feel like we fully understood each step we had to go through and I would dread to think were we would be now without him!

Used Mulberry to get a mortgage on our first home. Jim who helped us with our mortgage was friendly, professional and very helpful! He made the whole process incredibly easy to understand and found us a fantastic rate on our mortgage. I would highly recommend Mulberry mortgage to anyone looking for help buying a home. Will definitely be calling Jim again when it is time to look for a new mortgage deal.

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