case studies

The young family

Mr & Mrs Client aged 35. Husband employed (some benefits). Wife P/T (some benefits). 2 children under five years old.

Background - Property £250k, Mortgage £135k, Savings £12k, Joint income £54k

Challenges

1. Concerned regarding protection issues
2. Wanted tax efficient mortgage repayment

What we did

1. Reviewed employee benefits and Personal policies
2. Implemented protection package
3. Restructured mortgage package and Repayment vehicle

The Results

1. Enabled continued standard of living in event death, critical illness, disability
2. Tax efficient savings linked to mortgage and existing savings used to reduce overall term