01322 522523 info@lawtonfs.co.uk

Are You Covered?

What do you think of when you consider what a Financial Adviser does?

What qualities would you expect. Trustworthy? Honest? Knowledgeable? Qualified?

We like to build relationships, nothing more.  Your financial planning should be as individual as you.

Mortgages

  • Remortgages
  • First Time Buyers
  • Buy to Let
  • Shared Ownership
  • Right to Buy
  • Help to Buy
  • Joint Borrowers Sole Proprietors

Financial Planning

  • ISA’s
  • Investments
  • General financial planning

The value of investments can fall as well as rise. You may get back less than you invested.

Business Protection

  • Key person insurance
  • Private medical Insurance

Protection

  • Life insurance
  • Critical illness cover
  • Income protection
  • Buildings and contents insurance

Other Services

  • Wills
  • Equity release

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.

Will Writing is not part of the Quilter Financial Planning offering and is offered in our own right. Quilter Financial Planning accept no responsibility for these aspects of our business.

Estate Planning

  • Pensions and investments
  • Inheritance Tax
  • Protecting Wealth

About Us

Lawton Financial Services are a financial services company based in the South East. We are a company that consists of many experienced and professional financial advisers and financial planners that provide a range of services to benefit our clients.

At Lawton Financial Services, we have a national client-base that comprises of a mixture of individual clients to small businesses that require our proficient financial services and advice to help them get the most out of their money. We base our success on three main principles; integrity, professionalism and impartiality that is accompanied with a creative approach to financial planning.

We are a company that truly believes in a high-quality service. Our advisers look to build long-term relationships with our clients.

Mortgages

What our clients think

What were the circumstances that caused you to look for an adviser?
To get a mortgage and home insurance.

How did Christopher Lawton help you?
He did an amazing job in getting me three mortgages for buy to let property and new home and got a great rate.

What is your current situation? Have you seen the outcome you were hoping for?
Yes outcome was better than expected. Couldn’t have secured the funds without Chris’s expert help.

What could they have done better?
Nothing, he did a brilliant job

What were the circumstances that caused you to look for an adviser?
I needed to redo my Mortgages for new investment.

How did Christopher Lawton help you?
He did the whole thing with the Mortgages and gave us some options so we could do what we wanted to do.

What is your current situation? Have you seen the outcome you were hoping for?
Yes for sure, and I will call him again if I need help, he also help with other financial advise.

What were the circumstances that caused you to look for an adviser?
We were looking for a new mortgage and Chris had been recommended to deal with our mortgage requirements.

How did Christopher Lawton help you?
Chris is very knowledgeable and having a salary in a foreign currency it can often be hard to obtain a mortgage.

What is your current situation? Have you seen the outcome you were hoping for?
Absolutely.

What could they have done better?
Not at all, I have recommended Chris to many others to see if he can also help them

Put You & Your Family in Good Hands

Get In Touch

The guidance and/or advice contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Our Office

Address: Unit 4a/5a Kent House, Old Bexley Business Park, 19 Bourne Road, Bexley, Kent DA5 1LR

Telephone: 01322 522523

Email: info@lawtonfs.co.uk

If you are unhappy with our service
If you have a complaint about your adviser, or any financial advice you have received from your adviser, please contact us:

Quilter Financial Planning Complaints Department
Riverside House
The Waterfront
Newcastle upon Tyne
NE15 8NY

Email: QFPcomplaints@quilter.com
Tel: 0191 241 0700

You can find more information by visiting the Quilter Financial Planning website:
http://www.quilterfinancialplanning.co.uk/contacts/

If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (www.financial-ombudsman.org.uk)

Other Services

The advisers at Lawton Financial Services cover a number of different parts of the industry, but there are some areas that we can't give advice in.

However we can introduce you to an authorised and regulated Financial Adviser or Solicitor who can provide you with specialist advice in this area. Please contact us and they will get back to you to discuss your requirements.

We can refer you to a specialist in:

- Debt Management
- Wills
- Conveyancing
- Loans
- Overseas property
- Equity release

The FCA do not regulate debt management, wills, and conveyancing.

Equity release will reduce the value of your estate and can affect your eligibility to means tested benefits.

Protection

The advisers at Lawton Financial Services can have a very important role to play in your life. What we will do is: we will explain what insurance policies are available to you, how they works, what they do, what they don't do, if they are suitable for you, any exclusions and how much they cost. There is no hard sell, there is no scaring you into taking a policy, just an open, honest conversation about your choices.

Here is a brief and very simplified list of insurance products available to you:

- Life insurance: Pays out a lump sum of money when you die.
- Critical illness cover: Pays out a lump sum of money when you are diagnosed with a predefined illness.
- Income protection: Pays a monthly benefit for a pre-agreed term when you are unable to work for a prolonged period of time.
- Unemployment cover: Pays a monthly benefit for a pre-agreed term when you are made involuntarily, well, unemployed.
- Buildings and contents Insurance: Pays out (less the excess) for claims for loss or damage to home and possessions.

Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Business Protection

It would seem an obvious thing to do, yet so few even think of it. You work hard, you take the risk of owning a business, but have you taken the time to think if you died today or a key employee had a serious illness, would your business survive?

Essentially the following are areas that Lawton Financial Services would talk you through, helping you to understand the financial impact of death/serious illness within your business:

- Key person insurance - also known as 'keyman' insurance
- Director/shareholder protection
- Partnership protection
- Business loan protection
- Sole trader protection
- Continuation protection
- Succession planning
- Private Medical Insurance

Estate Planning

As people reach the later years of their lives, they like to spend the hard-earned money they have accumulated over their lives. However, it is still very important for people to pass on and preserve their wealth to the next generation, especially after having worked so hard for it.

Inheritance tax (IHT) of 40% is payable on the value of your estate over the nil-rate band, which currently sits at £325,000 or potentially £650,000 for a married couple. At Lawton Financial Services, we have experienced financial advisers that can review your assets and can calculate the possible inheritance tax charge you may leave to your beneficiaries. Our advisers will work alongside you to find the most effective and efficient way of passing your wealth on. We can recommend a number of estate planning strategies to help you reduce your potential IHT liability.

It is important to remember, as a regulated and professional firm, we do not advise our clients on ways to avoid paying IHT. We simply advise them ways to reduce the amount of IHT they pay by decreasing the value of their estate, but preserving the wealth, or providing them with the money required to pay the inheritance tax.

If you are not sure of the potential IHT charge you may face, you can work it out using our IHT calculator on our ‘Online Services’ page. This calculator will give both our advisers and yourself an approximate figure that we can work with to devise ways of reducing the charge payable upon death.

Financial Planning

The value of investments and pensions and the income they produce can fall as well as rise. You may get back less than you invested.

How do we do it?

The objective of the advice service that we provide is to put in place product solutions to enable you to meet your financial goals and then regularly review the performance of those solutions to help you to remain on track. In order to achieve this, we follow the process set out below, which is broken down into six stages:

- Initial consultation
- Fact finding
- Research
- Report & recommendations
- Implementation: arranging products and related actions
- Ongoing review service

Mortgages

Are you looking to purchase a property? That means you will have to arrange a mortgage. Arranging a mortgage can be a very stressful and complicated process. How do you know you have chosen the right mortgage for you? Choosing a mortgage is one of the biggest financial decisions of your life, and it is important that you acquire the appropriate financial advice to help you choose the most suitable mortgage for your current financial circumstances. That is why we are here. At Lawton Financial Services, we have many advisers that work specifically in the mortgage market, whether you are looking to purchase a new home, remortgage, or purchase a buy-to-let property. A mortgage is potentially the biggest financial commitment of your life, so we ensure we give the most accurate advice and recommend the most suitable mortgage products, treating each inquiry with respect and importance it deserves.

At Lawton Financial Services, we can advise on and arrange the following Mortgage types: - Capped Mortgages, Discounted Mortgages, Fixed Rate Mortgages, Flexible Mortgages, Offset Mortgages, Current Account Mortgages, Standard Variable, Tracker Mortgages. We are more commonly seeing fixed rate mortgages being used. At Lawton Financial Services, we endeavour to build a lifetime relationship with out clients and we will always be sure to remind you when your fixed rate term is coming to an end. We will then help you arrange a product transfer or a remortgage to prevent you from going onto the variable rate, which will most likely be much more expensive. We are here to help you. If you require any more information on the above mortgage types do not hesitate to give us a call and one of our advisers will be happy to explain it to you. Lawton Financial Services only charges on completion of a mortgage. A standard fee of £495.00 is charged on completion of a mortgage.