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WELCOME TO TERCOS FINANCIAL

Offering mortgage and financial advice we offer a no charge or obligation initial chat.

Whether you'’re looking for a mortgage, life insurance, pension or a financial check up we pride ourselves on our friendly, professional, independent financial advice.

We are not tied to any one mortgage lender or product provider and only offer advice after discussion and analysis of your needs and advise the best solutions from the whole of the market.

10 Reasons to use a financial adviser.

THE10GOLDENRULES

Many people think that financial advice is only required by the very rich. However, everyone can benefit from it. Not only can it help you protect and build your assets, it can help you make the most of your investments and help secure you and your family’s long term future. The contents of this document do not constitute advice and should not be taken as a recommendation to purchase or invest in any financial product. The value of a market investment can go down as well as up and you may not get back the full amount, particularly in the short term. Before taking any decisions, we suggest you seek advice from a qualified financial adviser.

No 1: To protect your family.

There are a lot of people trying to sell you insurance of one type or another but an adviser can tell you which one is actually worth buying. They will assess your position and guide you through the best options to protect yourself and your family - regardless of whether you are single, married, have children or they have long left home. Whatever your needs, an adviser can help ensure personal tragedy does not turn into financial crisis.

No 2: To help plan your spending –and saving. To secure your long-term future, you need to build some assets, initially to get you through the rainy days and then to pay for holidays and luxuries. Step one is to plan your spending so that you begin to save – and step two is to plan that saving so that you can build your wealth as efficiently as possible. Regardless of whether you currently have £10 or £10,000, a financial adviser will look at your situation and find the best starting point for you.

No 3: To help you plan for retirement. Once you have sorted out your short-term saving needs, you can then start thinking about the long-term – and most people these days realise they cannot rely on the State for more than the absolute basics. However, planning for retirement is a complex business and there are many different options available. Pensions have come a long way in terms of flexibility and transparency in recent years and now offer a wide range of investment options. A financial adviser will not only help sift through the many rules and product options but also help construct a portfolio to maximise your long term prospects.

No 4: To secure your house. The mortgage market was complicated enough already,

with its discounts and variables, AERs and caps, indemnities and early redemption fees. Then the credit crunch hit and things have got even worse. However, buying a house is still one of the most expensive decisions we make, and the vast majority of us need a mortgage. A financial adviser could save you thousands, particularly at times like this. Not only can they seek out the best rates, they can help you assess sensible levels of borrowing, make the most of your deposit and might also find lenders who would otherwise not be available to you.

No 5: To help meet your investment goals. As you progress through life, you begin to build your assets and your income begins to increase. You then start considering how you can enhance your position rather than simply consolidate it. This could mean anything from looking to retire early through to paying school fees for private schools or investing in overseas property. However your dreams evolve, a financial adviser can help assess what is realistically possible – and put the best plan in place to help you achieve it.

No 6: To find the right combination of assets. Investment is as much about protecting the potential downsides as it is about targeting maximum growth. High returns are often associated with high risk – and not everyone is happy if their investment falls by a third or more overnight. A financial adviser will make a detailed assessment of your attitude to risk before making any recommendations. They will also ensure you don’t put all your eggs in one basket by helping you diversify not only cross asset classes but also across accounts, individual funds and product providers.

No 7: To obtain an objective assessment. Every new product or investment opportunity is accompanied by hype, proclaiming it is the best ever –but that does not mean it is right for you. Investors the world over have been and will continue to be caught out by market bubbles or high charges because they don’t take a step back. A financial adviser knows how products and assets work in different markets and can outline the downsides for you as well as the benefits. Between you, you can then make a more informed decision about what hype you can believe – and what products you really need to avoid.

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

No 8: To save money. Once your risk and investment assessments are complete,

the next step is to look at tax and even the most basic overview of your position could help. It may simply mean using ISAs or a pension plan to benefit from Government incentives or it could mean choosing growth assets over income to use capital gains allowances rather than pay income tax. Alternatively, for more complicated arrangements, it might mean moving assets to your spouse or children to make full use of their personal allowances. A financial adviser will always have your tax position in mind when making recommendations and can help point you in the right direction even in complicated situations.

No 9: To keep you on track. Even when you have every product you need taken care of and your investments are set up and running to plan, someone needs to keep an eye on them in case changes in markets or abnormal events push them off course. You can ask a financial adviser to do this monitoring work for you. They can assess the performance of individual investments against their peers, ensure that your asset allocation does not get distorted as markets move and also help you consolidate gains as the dates of your ultimate goals approach.

No 10: For peace of mind. Money is a complicated subject and there are many things you need to think about to both protect it and make the most of it. Markets are volatile and the media is

prone to exaggeration of both the risks and the rewards. Employing a good financial adviser can take the emphasis away from you and move it into the hands of an expert. Whether you need general, practical advice or a specialist with dedicated expertise, the money you invest in taking advice could be paid back many times over in the long term. If you would like to take a closer look at your own circumstances and discuss the best mix of investments to meet your needs, please call us.

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Failure to consult an Independent Financial Adviser can seriously damage your wealth!

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice we can be paid by commission or we can charge a fee of typically £495.

Tercos Financial Ltd is an appointed representative of Sage Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Sage Financial Services Ltd is entered on the FSA register (www.fsa.gov.uk/Pages/register) under reference 150452. The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Registered in England No 6391526 ©Tercos Financial Limited.

About Us

Who are we?

Tercos Financial services was established in 2007 and is an appointed representative of Sage Financial services , one of the UK’s leading Independent Financial Adviser Networks, with over 13 Billion of funds under management. Tercos offers a range of services and specialist advice in many sectors with two established advisers Chris Pinkney an Independent Financial Adviser and Vivienne Bihet a Mortgage Adviser.

The principal, Chris Pinkney, offers over 25 years experience advising generations of clients. With many testimonials showing customer satisfaction and an impressive level of service and professional advice, Chris boasts and impressive portfolio of satisfied customers, whom always express their gratitude for the help and support given beyond what he ever plans to do to ensure every client expectations are met. He has specialist Equity Release qualifications combined with experience and knowledge of advising on life, income protection and critical illness products.

Vivienne Bihet has had over 25 years experience in financial services both with major national financial institutions and local businesses building an enviable reputation for honesty and integrity. Like Chris she constantly strives to provide the best advice and products from those available to meet her clients needs.

Tercos aim’s to provide clients with sufficient personal information about their Mortgage, Protection, Investment and Retirement planning and compare it with their expectations and requirements. This will allow clients to take personal responsibility for their future financial security and make informed decisions based on sound recommendations.

Through Sage Financial Chris and Vivienne also have access to a team of Chartered Independent Financial Advisers enabling them to fullfill all your financial needs covering all aspects of financial advice.

They are supported by Karen Pinkney who looks after the administration of the business providing experienced and invaluable backup.

Tercos Financial Ltd is an appointed representative of Sage Financial Services Ltd which is authorised and regulated by the Financial Services Authority.

Sage Financial Services Ltd is entered on the FSA register(www.fsa.gov.uk/Pages/register) under reference 150452.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Registered in England No 6391526 ©Tercos Financial Limited.

Equity Release
No Frame

Equity Release

Why consider equity release?

Your home is probably your most valuable asset, so you may like to see if you could benefit from some of the value which may have built up in your ‘bricks and mortar’.

But if you do not wish to sell up and move out of your home, or release funds from other sources, Equity Release plans may allow you to access funds tied up in your home and most schemes guarantee your right to live in your home for the rest of your life. An Equity Release scheme is designed to give you a lump sum, an income, or a mixture of both. There are many reasons why you might wish to consider releasing equity from your home :

-Would the security of an extra income mean that you could stop worrying about money all the time and really enjoy your retirement.

-Do you have plans to spend an extra lump sum? Perhaps on the home, a replacement car or on better holidays?

-Are you considering Inheritance Tax planning?

-Would Equity Release help you make arrangements in advance so that you will get the personal care you would like, should you ever need it in future?

These are just some examples of reasons why people consider using equity release plans as a means of generating income in retirement. As an Independent Financial Adviser we can help you decide whether this type of plan is suitable for you.

These are lifetime mortgages and home reversion plans. To understand their features and risks, ask for a personalised illustration.For mortgage advice we can be paid by commission or we can charge a fee of typically £495.

Tercos Financial Ltd is an appointed representative of Sage Financial Services Ltd which is authorised and regulated by the Financial Services Authority. Sage Financial Services Ltd is entered on the FSA register(www.fsa.gov.uk/Pages/register) under reference 150452. The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Registered in England No 6391526 ©Tercos Financial Limited.

Life Insurance
Hold Hands

Life Insurance

Prolonged ill-health, disability and death are all major threats to a family’s financial security. Whilst these are not subjects that are particularly pleasant to think about, it is sensible to consider the following basic points.

Could your family cope without the financial security that your regular income gives them?

What would be the likely financial effects of you suffering a longterm illness or disability?

Bearing in mind the above, are you confident you have adequate protection?

It is important to review your insurance arrangements regularly.

As circumstances change, so do your insurance needs. A change of house, an addition to the family, a change of job, redundancy or retirement, these are all factors which could influence your insurance needs.

The costs of each different type of insurance will also vary according to a number of factors such as your age, sex, occupation, period of cover and amount of cover.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Registered in England No 6391526 ©Tercos Financial Limited.

Mortgages

Today’s mortgage market is more competitive than it has ever been. Never before have you had so many options; fixed rates, discount rates, cash back options, variable rates, capped rates, tracker mortgages – the list goes on! And then you need to choose your repayment option; repayment, interest only, ISA, Endowment, Pension or ‘mix & match’!

With all these options available the good news is that you can find the correct mortgage for you. However this improved choice can seem bewildering and you may miss out on the best option for you through confusion, lack of time or simply having too many choices.

In this competitive market it has never been more important to get clear, concise and simple independent advice to help you make

the right choice.

Tercos Financial can make sure that one of the most important choices of your life is the correct one for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For mortgage advice we can be paid by commission or we can charge a fee of typically £495.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Registered in England No 6391526 ©Tercos Financial Limited.

How we work
Puzzle 1

How we work

Tercos Financial services was established in 2007 and is an appointed representative of Sage Financial services , one of the UK’s leading Independent Financial advisers network, with over 13 Billion of funds under management. Tercos offers a range of services and specialist advice in many sectors with two established advisers Chris Pinkney an Independent Financial Adviser and Vivienne Bihet a Mortgage Adviser.

The principal, Chris Pinkney offers over 25 years experience advising generations of clients. With many testimonials showing customer satisfaction and an impressive level of service and professional advice, Chris boasts and impressive portfolio of satisfied customers, whom always express their gratitude for the help and support given beyond what he ever plans to do to ensure every client expectations are met. He has specialist Equity Release qualifications combined with experience and knowledge in family and personal protection as

well as residential and buy to let mortgage markets, also covered by the relevant qualifications.

Being Appointed Representatives of Sage Financial Chris and Vivienne have access to a team of Chartered Independent Financial Advisers enabling them to fullfill all your financial needs covering all aspects of financial advice.

Key objectives for Investors

• Specialist Fund research service.

• Quarterly newsletter with Market commentary

• Active Portfolio Management on platforms with reduced AMC charges

• When requested, any fund switches and contribution alterations.

• Review existing mortgages to maintain competitive with current rates.

• Our aim will be to complete a full financial review for investors, looking at life/financial goals and income from all sources. From this the adviser will recommend how to meet their goals and highlight areas for potential problems. This analysis will cover protection, pensions, investments, estate planning including inheritance tax liabilities and a breakdown of expenditure.

• In the event of retirement, we will be happy to advise regarding the purchase of a Secured, Unsecured or Alternatively Secured income.

What can you expect from your adviser

Tercos will take our time to fully understand your financial circumstances, lifetime goals and aspirations.

Fully explain our proposals in clear and simple terms, with transparency of our charges and fees and provide these in writing, before any advice is given.

Allow you time to fully understand the terms you agree to before we proceed with any proposals are accepted.

We will upon having collected all your personal and financial information analyse and research the whole of the market to source the most appropriate recommendation.

We will explain fully the advice and recommendation to ensure it meets your current needs and is affordable now and in the future.

Provide all current information that will assist you to make an informed decision and discuss any issues you may feel will be relevant to proceeding with our recommendation.

We will discuss and agree the appropriate fee before we commence any work so that you are satisfied with what costs are involved.

Service and ongoing communication

As Mortgage and Equity Release specialists we pride ourselves on the level of service I deliver and ensure I will conduct any business with complete diligence, we will ensure during application that our support team monitors the progress to completion to ensure a smooth transaction.

We will provide a full holistic review of all your current and future needs and ensure any current arrangements are on track to meet your future needs, this includes:

• Protection needs for you and your family

• Retirement including Income drawdown

• Savings and Investments including fund performance reviews

• Any existing arrangements

• IHT tax and estate planning

• Residential mortgages

• Equity Release Mortgages

We aim to provide value for money service and treat you fairly at all times.

We will administrate regular annual reviews and accept that your circumstances may change from time to time.

We will provide you a contact number and email address that you can use should you require further assistance at anytime.

What Next

Tercos will provide an initial document disclosure to accompany this agreement which will explain Tercos services and costs and our process, you must read these carefully before making a decision.

This agreement is our service charter to you for which I confirm will be the level of service you can expect when you decide to proceed from the outset, whether you purchase a product or not.

We will decide on the appropriate process required to ensure you needs are meet and you are satisfied with the service and advice and determine the costs involved before we proceed.

On completion of any business you maybe asked to provide feedback on the satisfaction of the service you have received so that we may improve where possible.

Where a fee is applicable a fee agreement will be required before we can commence work. I would write to you to confirm the terms of such agreement.

We agree to fulfil our service charter as stated above and will endeavour to deal with any queries in a timely manner.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Documents

Click on the buttons to open, download or print our generic guides or put a request on our contact page and we'll send you a printed copy

Guide to Lasting Power of Attorney.pdf

Guide to Tax.pdf

Guide to ISAs.pdf

Guide to Family Protection.pdf

Guide to Mortgages.pdf

Guide to Savings and Investment.pdf

Guide to Equity Release.pdf

Guide to Buying a Home.pdf

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Contact

Alexandra Dock Business Centre, Fishermans Wharf

Grimsby DN31 1UL

and

49 Lower Addiscombe Road

Croydon CR0 6PQ

Tel: 01472 240035 or 020 8760 9920

Fax: 0870 7065213

Mobile: 07831 640785

Email: enquiries_tercosfinancial.co.uk

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW Registered in England No 6391526 ©Tercos Financial Limited.

Accessibility Statement

Access Keys

What are Access Keys?

Not every user has a graphic environment with a mouse or other pointing device. Some users rely on a keyboard, or voice input to navigate links and activate forms. To support such users as much as possible this website supports a technical standard called Access Keys - essentially this is a way to define keyboard shortcuts that allow you to navigate to sections of the site without using the mouse.

How to use Access Keys

Simply press the F12 key and press either the left or right arrow keys to navigate to your desired menu option.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Legal Disclaimer

The materials appearing on this website do not constitute financial advice and are provided for general information purposes only. No warranty, whether express or implied is given in relation to such materials. We cannot be held liable for any technical, editorial, typographical or other errors or omissions within the information provided on this website, nor shall we be responsible for the content of any web images or information linked to this website.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

Privacy Statement

Information you provide to us

Your privacy is important to us. By providing personal information such as your name and e-mail address via the forms on this website, you agree to us contacting you with regard to the information you request.

Some forms on our website also include a check box asking you for permission for us to add you to our mailing list. This is an opt-in mailing list and your personal information will be used solely by us. Under no circumstances will your personal information be sold or used by any other organisation.

From time to time, we may include links in our e-mails to other web sites which we think may be of interest to you. Each email communication you receive from us will have the option to remove your e-mail address from our list.

Information we monitor about visitors

During the course of any visit to our site, the pages you see, along with a short text file called a 'cookie', are downloaded to your computer. Many websites do this, because cookies facilitate useful features such as the ability to identify whether a user has successfully logged into the site or to find out whether the computer (and probably its user) has visited the website before.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA does not regulate some forms of mortgages and tax planning services.

Tercos Financial Ltd registered office: 26 South St Mary's Gate Grimsby DN31 1LW

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