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You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your mortgage requirements.
The Financial Conduct Authority does not regulate wills and trusts.
A Will Trust is created in a Will to provide better protection and control of how the asset is held, managed, and benefited.
One example of how a Will Trust can work is where the title of the family home is held as tenants in common, so each co-owner has a specific share.
In this case, the testator can leave their share of the property to beneficiaries who otherwise might not inherit such as children from previous relationship, while providing the co-owner life interest in their half share
Lifetime Family Trust is often known as Asset Protection Trust. Unlike Will Trust, this is established straight away. As this involves transferring your family home into a Trust while you continue to live in it, it offers valuable benefits from ensuring that your home will pass to those individuals you wish to benefit at a time selected by you Control passes to the trustees immediately. As above, the deliberate deprivation of asset rules should be carefully considered where this is the case.
Trusts can be complicated structures with tax implications, and you should always seek legal advice before setting one up.
The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts and all services deemed to fall under the Estate Planning and Estate Administration services.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or other secured loans.
Crystal Advice Limited is an appointed representative of Ingard Financial Limited which is authorised and regulated by the Financial Conduct Authority, [Maple House, Park West, Sealand Road, Chester, Cheshire, CH1 4RN]
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
The Financial Conduct Authority does not regulate some forms of bridging loans.
The Financial Conduct Authority does not regulate Wills, LPA’s, Trusts and all services deemed to fall under the Estate Planning and Estate Administration services.
The Financial Conduct Authority do not regulate some forms of buy to let mortgages. We may charge a fee for our service up to 1%. Our typical fee is £500 payable on completion, subject to status.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
The information contained on these webpages is for information purposes only and does not constitute individual advice. Please contact us to arrange a consultation.
Registered Office: Kings Court, 17 School Road, Birmingham, B28 8JG. Registered No. 9932669. Registered in England and Wales.
