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4

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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 Wallingford

Herbert & Webster Ltd Independent Financial Advisers

The Culham Innovation Centre, Building D Five, Culham Science Centre, Brightwell-cum-Sotwell, Abingdon OX14 3DB, UK – 01865 407755

Red Kite Wealth Management

21 The Cedars, Benson, Wallingford OX10 6LL, UK – 07714 615051

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Wallingford.
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.
Nationwide

15/16 St Mary's St, Wallingford OX10 0LE, UK – 0800 554 0744

I have used this branch for a very long time and only ever found the staff extremely friendly and helpful!!

Helpful friendly staff

Lloyds Bank

4 Market Pl, Wallingford OX10 0EH, UK – 0345 300 0000

My experience with this bank has been nothing but good very helpful and understanding staff.

friendly staff opened on saturdays

Banks

Nationwide

15/16 St Mary's St, Wallingford OX10 0LE, UK – 0800 554 0744

I have used this branch for a very long time and only ever found the staff extremely friendly and helpful!!

Helpful friendly staff

Lloyds Bank

4 Market Pl, Wallingford OX10 0EH, UK – 0345 300 0000

My experience with this bank has been nothing but good very helpful and understanding staff.

friendly staff opened on saturdays

Building Societies

Nationwide

15/16 St Mary's St, Wallingford OX10 0LE, UK – 0800 554 0744

I have used this branch for a very long time and only ever found the staff extremely friendly and helpful!!

Helpful friendly staff

Mortgage Brokers

Janet Hall - The Mortgage Lady

115 The St, Crowmarsh Gifford, Wallingford OX10 8EF, UK – 0330 999 1955

I have been under the professionalism and expertise of Janet and Tim for around 10 years now. They've dealt with me with speed and explained things to me in a way that was easy for me to understand. Even though i had tricky requests at times, and complicated mortgage advice needed, I have always received a truly personal and friendly supportive relationship at all times. I have always got the product I needed at the price I wanted and felt secure that my circumstances and house were in the best of the hands and it's why I've never needed to look anywhere else for mortgage advice. Janet and Tim and her ever expanding team are stars and I'd highly recommend them to anyone needing a mortgage!

Janet and her team did a great job for us, and made the whole house-buying/mortgage process a lot less stressful. It was good to have a team with so much experience and knowledge at our side throughout.

Bright Money Independent

20 St Helens Way, Benson, Wallingford OX10 6SW, UK – 01491 524185

Barham Independent Financial Services

3 Chapel Ln, Benson, Wallingford OX10 6LU, UK – 01491 833090

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 Wallingford.

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 Wallingford School 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

Barclays Bank

2 Market Pl, Wallingford OX10 0EJ, UK – 0345 734 5345

Always quick and easy to get in done and out

Janet Hall - The Mortgage Lady

115 The St, Crowmarsh Gifford, Wallingford OX10 8EF, UK – 0330 999 1955

I have been under the professionalism and expertise of Janet and Tim for around 10 years now. They've dealt with me with speed and explained things to me in a way that was easy for me to understand. Even though i had tricky requests at times, and complicated mortgage advice needed, I have always received a truly personal and friendly supportive relationship at all times. I have always got the product I needed at the price I wanted and felt secure that my circumstances and house were in the best of the hands and it's why I've never needed to look anywhere else for mortgage advice. Janet and Tim and her ever expanding team are stars and I'd highly recommend them to anyone needing a mortgage!

Janet and her team did a great job for us, and made the whole house-buying/mortgage process a lot less stressful. It was good to have a team with so much experience and knowledge at our side throughout.

Nationwide

15/16 St Mary's St, Wallingford OX10 0LE, UK – 0800 554 0744

I have used this branch for a very long time and only ever found the staff extremely friendly and helpful!!

Helpful friendly staff

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