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Commercial Finance Advice

We save your business time and money by accessing the whole of the financial market to source the best and most suitable solution for your situation.

KDW Financial Planning

Commercial mortgages and investments

KDW Financial Planning

Commercial finance and cash management

KDW Financial Planning

Commercial insurance and business protection

Commercial Finance

Our commercial finance advisers offer a ‘one stop-shop’ for all your commercial finance requirements.

We offer a competitive advantage over high street banks, with respect to the commercial finance solutions we can offer. Our in-depth industry knowledge and expertise in business lending solutions means we offer an efficient and high level of service from initial enquiry to completion. We offer a free no obligation initial consultation.

We are a true one-stop-solution for all of your commercial requirements, allowing you to focus on what’s important – running your business.

Our services include:

  • Owner Occupied/Business Premises
  • Investment Property
  • Bridging Loans
  • Invoice Discounting
  • Asset Finance
  • Cash Management
  • Key Man Insurance
  • Relevant Life Cover
  • Shareholder Protection
  • Building/Contents Insurance
  • Auto Enrolment

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

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Tax Planning Advice and Expertise

The UK tax system can be incredibly complicated and keeping up with legislative changes can be incredibly time consuming. However it doesn't have to be.

KDW Financial Planning

Smarter tax planning resulting in tax efficiency

KDW Financial Planning

In-house “TRUST” experts

KDW Financial Planning

Inheritance tax specialists

Tax Planning

Let our in-house tax experts help you to ensure you are only paying the correct amount of tax.

There are legitimate ways to minimise your tax bill, however many people are unaware that these opportunities even exist.

An adviser at KDW will help you to navigate the complex area of tax planning to make sure that you are making tax efficient financial decisions.

There are 5 key areas that we concentrate on:

  • Income Tax
  • Capital Gains Tax
  • Inheritance Tax Mitigation
  • Business Property Relief
  • Tax Relief on Investments

At KDW, we:

  • Provide you with the most tax efficient ways to save and invest your hard earned money.
  • Offer an initial, free, no obligation, consultation.
  • Are experts at explaining complex tax legislation in way that is easy to understand.
  • Empower you to make smarter financial choices which result in better tax efficiency.
  • Explain the tax implications of the budget and autumn statement.

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

I consent to future communications about any relevant services or products


Protect you, your family and home

We help you put the right level of protection in place for yours and your loved ones future.

KDW Financial Planning

One million workers a year find themselves unable to work due to a serious illness or injury*

KDW Financial Planning

One in ten NHS patients wait longer than eighteen weeks for treatment in hospital**

KDW Financial Planning

Protect your loved one's future

Assurance

Many of us prefer not to think about the potential financial implications if the worst were to happen.

However, it is essential to consider what would happen you were to develop a critical illness and be unable to work: How would your mortgage payments be met? Would your family’s standard of living be affected?

There are various levels of protection available which will cover different circumstances; from Critical Illness Cover, which will pay you a lump sum should you develop an illness that prevents you from being able to work, to Mortgage Protection, which covers the cost of your mortgage payments should you be unable to work due to an accident or sickness.

We can assist with putting health insurance in place so that in the event you were to fall ill you can receive the best possible treatment, as quickly as possible.

Assurance policies that we advise on include:

  • Term Assurance
  • Family Income Benefit
  • Mortgage Protection
  • Endowments
  • Investment Bonds
  • Critical Illness Cover
  • Long Term Care
  • Income Protection Insurance
  • Private Medical Insurance
  • Permanent Health Insurance

What is Term Assurance?

Term assurance is the most common type of life insurance within the UK and is typically used for family and/or mortgage protection.

A Term Assurance policy will pay out if the policy holder dies within a set period of time, as specified in the policy.

When taking out the policy a set term (for example 10-25 years) and an amount of cover is selected and these will stay the same until either a claim is made or the policy ends.

The level of cover required will vary from person to person. It will be dependent on the debts that need repaying and if you wish to leave a lump sum for your dependents living costs; this is something a financial adviser will be able to go through with you.

Why do I need Critical Illness Cover?

While we hope that you never experience a critical illness the sad reality is that 1 in 5 men and 1 in 6 women will suffer a serious illness at some stage in their life.

A critical illness policy will pay out a tax-free lump sum in the event you are diagnosed with a serious illness or are unable to work following an accident.

The lump sum is then yours to do with as you like, typically it would be used to pay off a mortgage, cover the cost of any refurbishments or adaptations that your house may require or even the cost of private medical treatment.

You should consider critical illness cover if you do not have enough savings to tide you over if you were to become seriously ill or disabled or if you do not have an employee benefits package that covers you for extended sick leave.

Should I consider Family Income Benefit?

A family income benefit policy will pay a tax-free monthly income to the policy holders family, if the policy holder were to die.

The income would be paid until the end of the agreed policy term.

Many families prefer this to receiving a lump sum as it can be hard to decide how the money should be spent once any immediate debts are repaid.

If you are the main breadwinner in your family then this policy is particularly relevant.

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

I consent to future communications about any relevant services or products


Independent Equity Release Advice

We have the knowledge and expertise to help you release equity from your home. For more information, get in touch with us today.

KDW Financial Planning

Release tax free cash from your home

KDW Financial Planning

No monthly payments

KDW Financial Planning

Retain ownership of your home

Equity Release

Equity release allows you to release a lump sum from the value of your property whilst continuing to still live in your property.

There will be a fixed rate of interest which accumulates on a year basis, the outstanding value will then be paid to the lender upon death.

Once you receive the lump sum it can be used for anything you wish, including retirement income, home improvements or a dream holiday.

Please note there are minimum age restriction on equity release mortgages which will vary from lender to lender. The minimum age is typically for those aged 55 and over.

KDW Mortgages will help you to:

  • Discuss your reasons for using equity release to ascertain if it is the most suitable borrowing option for you.
  • Highlight any implications that this may have on inheritance tax.
  • Source a suitable equity release mortgage.

Find out how Equity Release helped Richard and his Family. Here is Richard’s story:

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

I consent to future communications about any relevant services or products


Independent Mortgage Advice

There are hundreds of different mortgage options available at any one time; making the process of picking a mortgage rather daunting. At KDW we aim to simplify this process and make it as stress free as possible.

KDW Financial Planning

Value of mortgages underwritten with KDW in 2021

KDW Financial Planning

We can get you a decision in principle within just 24 Hours

KDW Financial Planning

We independently source the entire market to find the best mortgage deals

Mortgages

Whether you are buying your first property, remortgaging an existing one or purchasing a buy-to-let, we have the knowledge and expertise to help you.

Our team of specialised mortgage advisers source the whole of market to find the best mortgage to suit the clients personal and financial circumstances. The property market can be incredibly competitive which is why we get our clients a decision in principle within 24 hours, this strengthens their position as a potential buyer when they do find the property of their dreams.

We offer advice on the following mortgages:

  • Interest Only Mortgages
  • Repayment Mortgages
  • First Time Buyers
  • Remortgaging
  • Equity Release
  • Buy-to-Let Mortgages
  • Commercial Mortgages

First Time Buyers

Looking to take your first steps onto the property ladder? Our mortgage advisers can help you get the keys to your first home.

The KDW Mortgages team can help you to:

  • Help you to work out how much you can afford to borrow
  • If you are struggling with saving a deposit we can discuss the available options, such as help to buy
  • Help you set a budget; taking into consideration how much your mortgage will cost you on a monthly basis and your other financial commitments
  • Recommend and source a mortgage which best fits your needs and circumstances
  • Provide you with a decision in principle within 24 hours
  • Advise on valuations, surveys and conveyancing
  • Discuss and advise on the suitable home protection options available

Moving Home or Remortgaging?

Whether you are moving areas, upsizing, downsizing or simply looking for a better deal on your mortgage let KDW Mortgages find the best deal for you.

KDW Mortgages can help you to:

  • Switch to a different lender to get a mortgage which is better suited to your needs
  • Arrange conveyancing and insurance
  • Explain the costs involved with the remortgage
  • Decision in principle for your new mortgage within 24 hours
  • Advise on home protection options and any policies that may need to be updated to reflect your new property
  • Discuss relevant protection options for your holiday home

Buy-to-Let

Let us help you secure a buy-to-let mortgage.

Purchasing a buy to let property can be a great investment and can provide you with an additional source of income. Changes to taxation on buy-to-let properties and the criteria for funding the process has made the application process quite complex. Whether this is your first investment property or another addition to your property portfolio our mortgage advisers will be able to guide you through the entire process from initial enquiry to completion.

KDW Mortgages will help you to:

  • Work out how much you can afford to borrow
  • Explain the costs involved, such as the additional stamp duty surcharge
  • Source a mortgage from the whole of market
  • Decision in principle within 24 hours
  • Discuss the available protection options for your investment property
  • Go through and explain the tax implications

Commercial Mortgages

Looking to purchase new business premises or release equity from your existing property?

A commercial mortgage is used to secure a mortgage for a property that is not the individual’s residential home. It can also be used to redevelop or release equity from an existing commercial property. At KDW we have a team who specialise in all areas of commercial finance, including commercial mortgages. They are experts in the market and are able to quickly source a suitable mortgage.

KDW Mortgages will help you to:

  • Assess if a commercial mortgage is the most appropriate option to meet your goal. If it is not we will advise you on other suitable lending options.
  • Source products which aren’t always directly available on the high street.
  • Find the most competitive commercial mortgage.
  • Calculate how much you can afford to borrow.
  • Obtain a decision in principle within 24 hours.

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

I consent to future communications about any relevant services or products


Independent Investment Advice

KDW’s investment advisers have been advising clients since 1978 and have over £365 million of assets under management for over 6,000 clients.

KDW Financial Planning

Over 6,000 people invest with KDW

KDW Financial Planning

9,000 funds available on our wealth platform

KDW Financial Planning

Over £365 million in assets under our management

Investments

Understanding how to invest successfully can be an incredibly complex and time process consuming without a working knowledge of the financial marketplace.

This is where we can help. A KDW financial planner will work on an investment strategy for you taking into account your financial aspirations and attitude to risk. This results in every client receiving a completely unique investment plan.

The process will begin with a meeting with one of our investment advisers to discuss exactly what your investment goals are. This could range from saving for retirement or to starting up a new business. This will give us an idea of your timescale and your attitude towards risk.

If you already have existing investments we can use our in-house analytical tools which establish how they are performing; allowing the adviser to start building a financial plan.

When your financial plan is presented to you, your adviser will take you through your options in a simple and straight forward manner.

It is important to understand that every different type of investment will have a different structure, different tax treatments and will carry different investor implications.

  • At KDW we have the expertise to guide you through any of the following:
  • National Savings
  • Deposit Accounts
  • Fixed Interest
  • Insurance Bonds
  • Property
  • ISAs
  • Endowments
  • Open-Ended Investment Company (OEIC)
  • Annuities
  • Unit Trusts
  • Investment Trusts
  • Enterprise Investment Schemes EIS)
  • Venture Capital Trust (VCT)
  • Business Property Relief (BPR)

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

I consent to future communications about any relevant services or products


Independent Pension Planning Advice

For many of us retirement can seem like a distant dream so we delay our pension planning and instead prioritise other financial commitments such as a mortgage or a new car. However the sooner you begin to save for retirement the better.

KDW Financial Planning

Monitor your retirement funds in real-time.

KDW Financial Planning

Bespoke goal setting for your retirement.

KDW Financial Planning

Processes explained at every stage.

Pensions

While we should all receive a basic rate state pension this alone is often not enough to provide a comfortable level of income in retirement.

The State Pension is often complemented with a company pension, workplace pension, private personal pension or other investments. There are various options for your retirement planning available, which can make it incredibly difficult to select the correct product for your circumstances. This is where a financial adviser can help.

Our pension advisers will be able to help clarify and simplify the whole pension procedure; undertaking a financial audit of your existing pensions, analysing how your policies are performing and identifying if there are any policies that could be moved to provide you with a greater return when you retire.

Ultimately our pension advisers work to ensure that your quality of life doesn’t have to change when you retire. At KDW we specialise in pension planning across the following areas:

  • Workplace Pensions (Auto-Enrolment)
  • Personal Pensions
  • Stakeholder Pensions
  • Small Self-Administered Schemes (SSAS)
  • Self-Invested Personal Pensions (SIPP)
  • Executive Pension Plans
  • Occupational Pensions and Final Salary Analysis
  • Annuities

Your Questions Answered

Here we have answered some of the most frequently asked questions we receive regarding pensions.

How is a pension different to regular savings?
A pension is a long term saving scheme which allows you to save money for your retirement. By saving a percentage of your income whilst you are working you will be able to still receive an income when you decide to reduce your working hours or stop working altogether.

It differs to regular saving schemes, such as an ISA, as it receives favourable tax treatment.

Pension policy is regularly updated by the government which makes it a fairly complicated area. There are many different types of pension schemes from a company pension to a state pension to a SIPP (Self Invested Personal Pension).

If I have a state pension should I be saving elsewhere?
Unfortunately the state pension is unlikely to provide you with a sufficient income when you retire so you should consider other types of pensions. Another point to consider is the future of the state pension is currently unclear; therefore it is vital to have another source of retirement income.

When should I start saving into a pension?
While the earlier you start saving the bigger your pension pot is going to be, you should never be put off from starting to save for retirement. If you do begin saving for retirement later in life you may decide to make bigger contributions to catch up on any time you missed.

It is also important to remember that saving for retirement is a tax efficient method of saving.

What are the relevant tax breaks?
There are three key tax breaks in relation to pensions:

  • Tax Relief – any contribution made to a pension attracts tax relief at the individual’s highest marginal rate.
  • Tax Free Growth – unlike savings held in a regular investment which are subject to income tax and capital gains tax any investment that is held in a pension is able to grow tax free.
  • Tax Free Cash – from the age of 55 an individual is able to withdraw up to 25% of the total accumulated funds as a tax free ‘Pension Commencement Lump Sum’. The remaining funds can either stay invested, withdrawn as a lump sum or used to provide an annuity

Why use KDW for your Workplace Pension?

We help companies to comply with auto enrolment by assisting them with both the set up and the management of a workplace pension.

Auto enrolment is the pension legislation which requires employers to provide a workplace pension scheme and pay employee contributions. Every company is allocated a staging date; which is the date that they need to have entered their employees onto a workplace pension scheme by.

Employers face multiple duties when setting up a workplace pension scheme, including providing a qualifying pension scheme and ensuring that mandatory communications are sent out to employees.

Failure to set up a workplace pension scheme and comply with the required duties by the allocated staging date can see businesses face fines from £50 per day.

Here at KDW, our team of advisers are experienced in setting up auto enrolment schemes for small, medium and large businesses as well as accountants and payroll providers.

We offer a free initial consultation, which gives us the opportunity to learn about your company, its people and processes and for you to find more about us and how we work.

How Can KDW help with your workplace pension? We approach auto enrolment in three simple steps:

Pension Scheme Advice
After undertaking a thorough review of the clients’ business, its people and existing payroll we help to select a compliant pension scheme. A scheme that is economical and that will effectively meet the requirements of the business and its employees.

We are able to offer advice on all aspects of auto enrolment, including contribution levels and eligibility criteria.

Set-up and Implementation
We work with our clients assisting with the implementation of the chosen scheme, providing advice and support throughout the process. Also we can provide personalised employee communications, so that our clients’ employees are fully aware of the forthcoming changes.

On-going Support
Once the chosen auto enrolment scheme is in place, we continue to provide the employer with support; ensuring that they remain compliant with auto enrolment legislation. We also assist them with providing the Pension Regulator with the certification of the workplace pension scheme.

As Independent Financial Planners we are fully qualified to advise our clients and their employees on their personal pension and assist with individual retirement planning.

Workplace Pensions for Small to Medium Businesses

The Smart Approach to Auto Enrolment with KDW

Small to medium businesses
It is important to seek advice on auto enrolment well in advance of your allocated staging date. Even if there is an existing pension schemein place it will not necessarily comply with the additional duties and responsibilities which are required for auto enrolment.

KDW can help your business manage the set up and implementation of an auto enrolment scheme that is right for your business.

Accountants and Payroll Providers
We understand that it can be stressful and time consuming setting up auto enrolment schemes for numerous clients, which is why we offer a no-nonsense service, which will save time and money for both you and your clients.

Our auto enrolment scheme allows accountants and payroll providers to offer an efficient and cost effective service to their clients.

Download our Auto-Enrolment factsheet here.

Make an enquiry

For more information on our financial planning services, please use the short form below and one of our representatives will be in touch ASAP.

We will always treat your personal details and information with the utmost respect and will never sell them to 3rd parties or other companies.


I consent to the use of my contact details in connection with this enquiry

I consent to future communications about any relevant services or products


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