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Pension

How does it work?

You make two payments per month. One to the lender to repay the interest on your borrowings and another into a personal pension plan. The plan is to build up your pension fund sufficiently to take out enough tax free cash to repay the loan and provide you with a retirement income.

ADVANTAGES:

  1. Has tax advantages as the contributions you make to the pension attract tax relief at the highest rate of tax you pay.

DISADVANTAGES:

  1. You must ensure your pension is well funded so that you have sufficient to repay your loan and provide for your retirement.
  2. The lump sum is paid on retirement which may mean you are paying interest on the loan for longer than 25 years.
  3. You cannot access the pension fund to repay the mortgage until retirement age.

Past performance is no guide to future returns. The value of investments can fall as well as rise.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

We are principally a fee based organisation however you can pay for our services by way of commission, fee or a combination of both. We will discuss the services we offer and your payment options in detail at our initial meeting.


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Company address:
Altero Financial Services Ltd, 1 Beasleys Yard, 126 High St, Uxbridge, Middlesex, UB8 1JU
T: 01895 253559
F: 01895 238357

Email: office@altero.co.uk

Registration address:
122 High St, Uxbridge, Middlesex UB8 1JT
Registration number: 3466101
Registered in: England

Altero Financial Services Limited is Authorised and Regulated by the Financial Services Authority. Altero Financial Services Limited is entered on the FSA register (www.fsa.gov.uk/register/) under reference 490060.

The FSA do not regulate National savings products, loans, Will writing and some forms of mortgage, offshore funds and inheritance tax planning.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Company phone: 01895 253559 | office@altero.co.uk

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