We cannot stress enough the importance of financial planning to maximise and protect your money.










Mortgage Advice

We are here to help you purchase that dream home.

Mortgages can be complicated, we are here to help! We provide whole of market mortgage advice doing the research and securing you the right product for you. We can even help clients who are self employed or who have adverse credit.

Mortgage Advice
We provide whole of market mortgage advice, meaning we have access to all mortgage lenders. We will do the research and secure you the right product for you every time.
We can help clients who are self-employed, or who have adverse credit. Please contact us to discuss your needs.

Our extensive knowledge and experience means that no matter what your circumstances, if it’s feasible, we can help!

Common questions people ask before deciding to buy a house:

Our extensive knowledge collected over the past 15 years can help you with all these enquiries so please contact us for a free initial consultation; we are happy to help.

Eligibility – You may not consider yourself eligible for a mortgage application or you choose not to apply because of bad credit or CCJ’s.
We can help answer the following questions:

  • Can you get a mortgage on benefits?
  • Mortgages for self employed?
  • What is a good credit score uk?

Types of Mortgages
There are many different types of mortgage so whatever your needs and circumstances we can help find you the perfect mortgage to suit you;
Frequently asked questions from previous clients:

  • Saving for a mortgage – how much am I going to need for my deposit?
  • Gifting money for house deposit – I wish to gift a sum to my children for
    their first deposit, how much can I gift them?
  • Buying a new build – there is a new development being built near me,
    what is involved with new build properties?

In order to answer these questions, we will conduct a comprehensive “fact find” with you so that we can advise you fully as to your best options given your personal circumstances.

First Time Buyer
Buying your first home is possibly the biggest purchase you will ever likely make. It is a huge milestone in anyone’s life and we are here to help you through the journey. We offer clear and straightforward advice to help you understand the purchasing process from beginning to end. We will always make sure that your mortgage is affordable for you and can help with budgeting plans to ensure you can adapt to living in your first home. We will always ensure you get the most appropriate mortgage for your own personal circumstances.

If your current deal is coming to an end on your mortgage, it is very important to seek a new deal, especially in today’s economic climate. Not only will you be paying more to your existing lender if you do nothing, but with all the current uncertainty about the future of the economy, you may be at risk of paying even more should interest rates rise. We can help find the most suitable new deal for you from the whole of the market, and also make sure you receive the appropriate advice to ensure your mortgage remains appropriate for your own personal circumstances.

Whether you’re a professional landlord or looking to buy your first investment property, we can help find the right deal for you. We can offer various mortgages from standard residential, commercial letting and HMO’s, and we also have many lenders that we can use who have no minimum income requirements. We can also help to ensure that your investment property provides returns in the most tax-efficient way for you. Commercial mortgages are available by referral to a master broker only.


Further Advance
If moving home is not for you but you would like to improve or extend your current property, we can help you borrow more from your existing lender. It’s not just home improvements that may lead you to need to borrow more against your existing property though. We can also help if you need to borrow more for other reasons, such as to purchase a second property, consolidate unsecured debts to help reduce your outgoings, and many other reasons.

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate buy to let and commercial mortgages.

Think carefully before securing debt against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

The Financial Conduct Authority do not regulate buy to let and commercial mortgages.


Family, Finance, Future… Protecting you and your family.

Protecting yourself is one of the most important parts of financial planning, however, many people often overlook this area.
We offer a comprehensive range of insurance policies to protect you and your family in the event of accident, sickness, or death.

Life Insurance
The purpose of life cover is to make a tax-free payment when you pass away. This payment can be made almost immediately after death and can help bereaved family members in making necessary arrangements. The most common type of life cover is taken out to cover debt (such as a mortgage), but there are various forms of life insurance available. Some may pay out on a regular basis to cover childcare costs and others may pay out a lump sum to help mitigate an Inheritance tax liability.

A common mistake made by many people is that they don’t write their life cover into trust, which can mean that when the policy pays out, it is paid into the estate rather than a specific beneficiary, which can cause delays in getting the money to the person who really needs it, or even create an Inheritance tax liability. This is why it is essential to seek advice when considering your needs in this area.

Critical Illness Cover
If you were to become seriously unwell or involved in a life-changing accident and were unable to work again, this can sometimes have a greater impact on you and your family than loss of life. This is because you are no longer able to work and therefore provide an income for you and your family, and at the same time would likely have increased livings costs. Furthermore, there may be additional costs involved in modifying your home. This is the situation where Critical Illness Cover aims to provide you with the financial security needed at such a difficult time, again either via a lump sum tax free payment or regular tax-free payments.

Income Protection
Most of us are entitled to sick pay from our employer. The amount we can be entitled to and for how long can vary considerably from employer to employer, and self-employed people have no sick pay at all.  If you were to become ill for any reason and unable to work, then this can quickly put a large financial strain on your household, and can even lead to your home being repossessed. An Income Protection policy is designed to pay you an income to replace your earned income which can help ensure you can maintain your bills whilst you are unwell.


Pension and Retirement

We will help you achieve the retirement you have worked for.

For most people, state pension is not going to be enough to support their standard of living when they come to retire. Even if you have a private or a company pension too, this still may not be enough to provide a suitable standard of living in retirement. This is why seeking advice on your retirement plans is essential, no matter what your age. It is also essential to regularly review your plans to ensure they remain on track. We offer a comprehensive range of retirement planning solutions, and will regularly review your plan to ensure it remains on track.

Retirement Planning
For most people, state pension is not going to be enough to support their standard of living when they come to retire. Even if you have a private or a company pension too, this still may not be enough to provide a suitable standard of living in retirement. This is where we can help. As part of our comprehensive pension review service we can provide pension forecasting, which can help you to understand how much income
you would be likely to need at retirement. We can then help you understand whether you need to contribute any more towards your retirement plans to help you reach your income goals, and the most appropriate way of doing it.

Reaching retirement and confused about your options?
With the recent changes in pension rules many people are unsure of what option would be best for them at retirement. At RWB Wealth we can look at your current circumstances and discuss your retirement needs in depth. From here we can provide advice tailored to your needs, on how best to access your pension.

Children’s Pensions
Children’s pensions can be a very useful tool for financial planning for many reasons. Not many people know that children receive tax relief on pensions too, and a pension can be started for them from birth. Investing in the early years can mean that with years of compounded growth, even paying in a small amount can lead to a substantial pension pot upon retirement.

Pension Needs
It is never too early to start contributing towards a pension. In fact, the earlier you start paying into a pension the less you will need to contribute on a monthly basis to ensure you have sufficient funds to have a happy retirement. At RWB Wealth we offer a free initial consultation to discuss your pension needs, so why not contact us today and see how we can help.

Family Separation/Divorce
If the unthinkable happens and sadly your family separates it is vital that you obtain financial advice on the impact of your future retirement plans. The issue of pensions can become a contentious issue within divorce proceedings so it is vital that you conduct a full pension review to ascertain and protect your pension(s). We can advise you on how to protect your pension in a divorce uk and offer a full pension review service to assist you.

Investing your money

We will make your money work for you.

Money held in cash can be eroded by inflation, which can significantly reduce the purchasing power of your money over time. Whilst investing isn’t appropriate for everyone, with today’s economic climate it can form an essential part of many people’s financial planning.

We offer a comprehensive range of investment solutions to make your money work hard for you, in the most tax efficient way.

We understand that investments carry risk that often discourages people from considering investing their money. However, there are many different investment options available, some of which are very low risk.

At RWB Wealth our commitment to you is to ensure that our advice is totally tailored to your individual needs and life goals, and we will always ensure you fully understand any advice we give, and the associated risks.

Inheritance Tax

Family, Finance, Future… Protecting your legacy.

The only two things that are certain in life are death and taxes, and unfortunately, Inheritance tax covers both.

Inheritance Tax planning is a very complicated part of financial planning with a multitude of planning options. For this reason it is essential to seek advice in this area to ensure nay plans you make will be effective. It is also crucial to start planning as soon as you have an inheritance tax liability, no matter what your age.
Most of the Inheritance Tax collected by HMRC no longer comes from the landed gentry, but is coming more and more from the average person who never realised they were going to be caught by it.
I’m sure you will agree that after paying tax for most of your life, the last thing you want is to pay even more tax when you pass away, rather than leaving your wealth to your loved ones.
At RWB Wealth we can fully assess your circumstances and if you have a potential Inheritance Tax liability, we can plan a suitable solution to help mitigate any potential liability. This means all of your wealth can be passed on to your loved ones, rather than the tax man.


Bespoke HNW Advice

High Net Worth.

At RWB Wealth we offer a comprehensive, discrete and tailored solution to high net worth clients. We can help with tax planning and discretionary fund management to provide you with an investment strategy bespoke to your individual needs and circumstances. Our private banking services offer a more exclusive subset of
wealth management.


Corporate Advice

Providing advice for businesses big and small.

Whether you have many employees or are a self-employed sole trader, we can help ensure you and your business are appropriately protected against the unforeseen. Your business may be highly dependent upon a single person and their loss could cause your business to struggle, or even force it to close. If you have a large business with several employees, you may need to provide a group policy for your employees in case of illness. We can also help ensure your business is taking advantage of any potential tax incentives available to you via certain protection policies.



Trusts are another important part of financial planning, and can be very complicated. At RWB Wealth we can assess your needs and recommend the most appropriate trust planning for you.

If you do not have a Will, intestacy laws, which vary between countries (including Scotland) will dictate who inherits your estate. Key considerations that influence the law’s decision on who inherits your estate if you don’t leave a valid Will are:

  • The value of your estate.
  • Whether you have children.
  • If you are married.

Leaving a Will ensures that children or dependants are looked after in accordance with your wishes.

Although we don’t offer a Will writing service at RWB Wealth, we strongly recommend everyone has an up to date Will.

 The Financial Conduct Authority do not regulate trusts and wills.Will writing is not part of the Quilter Financial Planning offering.

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