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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release.
Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.
Independent Financial Advisers - IFAs Ayr
Lang Financial
1 Wellington Square, Ayr KA7 1DJ, UK – 01292 282116
Stuart has been advising for several years now and have found him to be consistently helpful, knowledgeable, friendly and professional. He's always willing to take time to talk you through the options available, takes on board your comments and thoughts and has never been pushy in the way some advisors can be. I wouldn't hesitate to recommend Stuart to anyone looking for a new advisor.
I have known Stuart for some time now, and more recently through business members of his team and have always been treated with appropriate care and kindness. In conversation with relatives and friends when the occasion occurs I never hesitate to recommend Stuart and his team. Through feedback from said persons, Stuart Lang and his team have yet to let me (or them) down.
NFU Mutual Ayr
The Agri Centre, Whitefordhill, Ayr KA6 5JW, UK – 01292 427887
I can’t wait for the AYRSHIRE Tractor and Machinery Rally on Sunday 22 July 2018! There will be some terrific vehicles there..,
1825 Financial Planning
6 Citadel Pl, Ayr KA7 1JN, UK – 01292 269909
Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Ayr.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.
Crowd Funding and Business Loans
We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.
TSB Bank
104 Main St, Ayrshire, Prestwick KA9 1PA, UK – 01292 499998
Always friendly, polite and happy to help.
Natwest
19 Miller Rd, Ayr KA7 2BX, UK – 01792 244609
I used to bank here for 10 years when I lived in Ayr then Coylton, the staff are very helpful & friendly, I even got my photo taken with them 2 days before Christmas Day & I also kissed one female staff on the cheek under the Mistletoe
A superb bank with extremely helpful and friendly staff - highly commended and highly recommended!
Barclays Bank
225-227 High St, Ayr KA7 1RB, UK – 0345 734 5345
The Staff are helpful and kind. I have personal experience of Craig and Ian, and both are very professional and exceptionally helpful. The bank has a cash point inside and outside. There is parking nearby and disabled parking in the street. (Note the Bank will be closed from July the 13th for approximately 8 weeks)
Great bank friendly staff and very helpful.
Banks
Bank of Scotland
123 High St, Ayr KA7 1QP, UK – 01292 667701
Spoke to Michael in internet banking today,very helpful guy,well done
Good
The Royal Bank Of Scotland PLC
30 Sandgate, Ayr KA7 1BW, UK – 01292 268826
The staff are friendly and welcoming but this branch has been refurbished to largely be a self service branch. There are tethered iPads everywhere and I'm not convinced the staff are 100% set on them either.
RBS
30 Sandgate, Ayr KA7 1BY, UK – 0345 724 2424
I am tourist went to this branch few time even lots of the people on the queue but the staff always so help full and friend especially on of the staff called.paul he always never make me down . Appreciated Paul and thanks
Queue was dealt with very quickly. As soon as a member of staff became available they approached first person in queue to offer help. My enquiry was dealt with very efficiently by Fiona who referred me to Andrew. Andrew was extremely professional. 100% customer service.
Building Societies
Nationwide
178 High St, Ayr KA7 1RQ, UK – 0800 554 0918
Mortgage Brokers
MURPHY
3 Parkhouse St, Ayr KA7 2HH, UK – 01292 288177
Friendly helpful staff. Lovely refurbished offices
Absolute Mortgages
85 Main St, Ayr KA8 8BU, UK – 01292 291222
Ayr Independent Mortgage Consultancy (Scotland)
28 Green St Ln, Ayr KA8 8BH, UK – 01292 611373
Mortgage Brokers - Key Questions
How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Ayr.
Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.
How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Ayr that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.
Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Ayr.
Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.
How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Ayr that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.
Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.
Mortgages
Prestwick Investment Trust plc
150 Main St, Prestwick KA9 1PB, UK – 01292 475674
Bellisle Financial Services
7 Alloway Pl, Ayr KA7 2AA, UK – 01292 285138
Gem Mortgage Financial Services
7 Alloway Pl, Ayr KA7 2AE, UK – 01292 477650