Helping You With – Pensions- On A Referral Basis When you are reviewing your mortgage, it is the perfect time to check everything else too. Most people only sit down to look at their finances when something big is happening - usually a house purchase, a remortgage, or a change in circumstances. I see it all the time: clients are completely on top of their mortgage, but everything else sits in the background for “another day.” If you are speaking to me about your mortgage, it is the ideal moment to check the rest of your financial picture too, especially your pensions. Have you lost track of your old workplace pensions? Many people have several old workplace pensions from previous jobs. They are easy to forget about, and even easier to put off dealing with. But they can make a real difference to your long-term plans. Ask yourself: Do you know where all your old workplace pensions are? Do you know how much is in them? Do you know how they are invested? Hav...
One of Our Top Buy to Let Lenders is Saying... Aldermore has a flexible approach to layered SPV structures , which could be a great fit for some of your more complex landlord cases. Let’s bring this to life with a simple example: Parent Company Ltd (Holding Company) Director – Mr Smith Director – Mr Williams ↓ SPV Ltd (Property-Holding Company) Director – Mr Smith Director – Mr Jones In this scenario, only the SPV, Mr Smith, and Mr Jones would be named on the application , as they are the directors of the borrowing entity. The wider structure (including the holding company and Mr Williams) would simply be captured via a supporting note — helping to keep the application process streamlined. Key highlights: ✅ No limit on SPV layers ✅ Only the SPV’s directors/shareholders with 25% or more need to be named on the application ✅ Wider ownership structure simply captured via a supporting note on submiss...