Leading Wealth Managers and Financial Planners
Leading Wealth Managers and Financial Planners

Value Services PropositionYour AFP adviser can help you make sense of your finances.

More than that, they will make sure they understand your financial priorities and, drawing on their extensive experience and expertise, work with you to help you achieve them. So whatever your objectives - fund your children's weddings, retire at 55, pass on your wealth to your family, enjoy the holiday of a lifetime, increase your retirement income - they will do their utmost to find solutions that work for you.

Life is not always plain sailing, your financial situation may change, as may your priorities. Yet clients know that they can trust their AFP adviser to direct them through the financial consequences of whatever life brings.

Whilst not being limited too, our services include the following:

Portfolio Management

Everyone wants to maximise the growth on their Investments, using a selection of well-managed investment funds can often be the best solution.

Combining various styles and types of investments, a diversified portfolio can produce significantly better returns than those associated with interest rates offered from banks or building societies. The key to successful investment is in the time you give your money to grow and choosing the investment sectors and investment managers wisely.

Our investment service creates a number of Risk graded portfolios for either growth or income.

The integral component of any Wealth Management Proposition is how your investments are reviewed, should you elect to use our model portfolio service we will monitor the progress of each investment we recommend and we provide a quarterly update detailing the performance of the portfolios and make recommendations to alter funds where we feel it to be necessary.

Note: Investments - The value of units can fall as well as rise, and you may not get back all of your original investment.

Corporate & Group Pensions

"Employees are by far an organisation's most important asset"

Many companies will fundamentally have to restructure their business to ensure continued survival and prosperity in a tougher business environment. This will include undertaking a review of their employee benefit package to ensure it continues to provide value for money, is low risk, engaging and appreciated by employees.

Active Financial Partners provide expert and independent advice to a wide range of corporate clients, listening to their individual concerns, understanding their requirements and offering clear-cut solutions based on experience, knowledge and clarity. We aim to provide low-risk and cost-effective pension provision that form an integral part of a modern employee package.

Equity Release

Equity release - unlocking money from your home

The issues surrounding pensions in the UK affects us all, but it is already a very real and daily challenge for millions of retired Britons.

However, many retired people who manage on a small pension and limited savings are also living in properties which, even with the recent house prices falls are still worth a great deal of money. The average house price in England and Wales is now standing at £226,071 (2017 statistics from http://landregistry.data.gov.uk).

Equity release plans - also called lifetime mortgages, home reversion or home income plans - are a way of releasing cash, whether to buy that new car, to pay for a holiday or home improvements, or simply to make daily life more comfortable. These schemes essentially allow you to borrow money against the value of your home, with the debt being repaid from the sale proceeds after your death.

How equity release plans work

While there are a range of different schemes offering lump sums and/or regular income, they all work on the same principle: they lend you a part of your home's value in return for a share of the proceeds when you die.

In most cases you will need to be at least 60 years old, have no outstanding mortgage (or you will need to use the equity release money to pay down the existing loan), and own a property in reasonable condition.

Equity release plans can be complicated products and are a major step for many people. Your house is almost certainly the most expensive asset you own; it is also your home. Good advice is essential.

Age Concern and the Financial Conduct Authority, the UK's chief financial watchdog, both recommend getting independent financial advice before proceeding.

At Active Financial Partners we will look at your overall finances to see if equity release is really the best option for you, help find the right type of scheme - bearing in mind that in some cases you could risk losing state benefits and may have to pay extra tax.


This is a lifetime mortgage. To understand the features and risks, ask for a personalised illustration.

Active Financial Partners do not have permission to give advice on Home Reversion plans.

Retirement Planning

Retirement planning is the important task of deciding how you will live once you retire.

Retirement planning involves the consideration of a number of factors, including at what age you hope to retire, how much money you will need to cover living expenses coupled with the things you plan to do once you've retired, and where your money will come from. Generally speaking, retirement planning is planning your finances for the period of life after you stop working.

Retirement might still seem like a lifetime away for some and with the pinch of the credit crunch, starting a pension may be the last thing on your mind. But when you consider that you could be spending more than 30 years in retirement, it is more important than ever to make plans to save into a pension, as well as keeping a close eye on how much you're saving, what investments you are choosing and what level of income in retirement you will get.

At Active Financial Partners we are here to help you start your first pension or for those who have already accumulated pension funds we are here to help ensure they are in the correct place and invested in the correct way.

Note: A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.

Family Protection

Family protection is a simple way to help financially protect you, Your home and Your loved ones.

Family protection is an important part of every persons financial planning. Every Individual will have different needs and require different solutions.

Here at Active Financial Partners wewill be able to establish which type of protection you require and because we are an indepentant advisory firm we will be able to search the market and find the right solution for you.

Mortgage Planning

Getting the right mortgage deal can mean making some pretty difficult choices.

It makes sense then to seek the best professional advice. Active Financial Partners can help to interpret the variety of repayment methods, interest rate deals and other factors that influence decision-making. Our mortgage advisers offer professional advice without being tied to any single mortgage lender

Choosing the best way to repay your mortgage.

When you have decided which mortgage is suitable for you, the next step is to choose how you want to repay it. There are two options available: 'Repayment' (also known as 'Capital and Interest') and 'Interest only'.

Repayment Mortgages

This is the safest way to pay back your mortgage. It means that you repay both the capital and the interest over the term of your mortgage. In the early years, the bulk of your monthly payments go towards paying off the interest but as the mortgage matures, a greater percentage is used to repay the actual capital back.

Interest Only Mortgages

With Interest Only Mortgages, the lender receives only the interest on the amount you have borrowed during the course of the mortgage. This means that at the end of the mortgage term, the capital amount borrowed will still be owed and the borrower must therefore have the means to repay it. This is usually achieved by investing in a separate policy that yields the necessary amount on maturity, for example, an endowment ISA or a Pension scheme.

Variable Rate Mortgages

As the name suggests, this type of mortgage is subject to variable rates of interest, which means that your repayments can fluctuate from month to month. When the lenders standard rate of interest rises, so does your mortgage premium, but if their interest rates fall, then you end up better off. This type of mortgage can make accurate budgeting a bit difficult.

Fixed Rate Mortgages

Fixed Rate mortgages remove the uncertainty of what your monthly mortgage payments will be because they are fixed at a set rate for a set period of time. This is great if interest rates rise, but if they fall below the rate you are paying, then you may end up losing out. This kind of mortgage often imposes a penalty charge if your repay your mortgage early.

Discounted Rate Mortgages

This type of mortgage is designed to help borrowers to meet their repayments at the start of the mortgage term by offering a lower variable rate of interest for a limited period of time. It has the benefits and risks associated with a variable mortgage.
There are many other options available and other considerations that require your attention. Our advisers have access to the very latest mortgage information and they will always keep you informed and in touch.


Suitable security and adequate life cover may be required by the lender. As licensed credit brokers, written quotations are available on request.

Active Financial Partners could charge different level of fees depending on circumstances.
Investment Management

Investment Managament

Everyone wants to maximise the growth on their Investments and using a selection of well-managed investment funds can often be the best solution.

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