What Everyone Needs To Know About Mortgages

Mortgage Advice
Time to review your mortgage?

Your home may be repossessed if you do not keep up repayments on the mortgage.

If you have an existing mortgage, you should review it regularly to make sure you’ve still got the most suitable deal for you. You also need to know that if you are on a fixed rate mortgage you may be automatically switched to a Standard Variable Rate when the term comes to an end.  If you don’t have your mortgage reviewed you could find this is costing you more than you need to pay over the term of your mortgage when comparing with a new fixed rate term.

If you are looking for a first time buyer mortgage there are a few things you need to do to help yourself get the most suitable mortgage deal. For example, make sure you are on the voters roll, make sure you know if there are any errors or blips on your credit file. We are all human and not everyone has a perfect credit score, a minor error will stay on your file for six years and can seriously impact which lenders we can use.  We also suggest not applying for credit in the months running up to taking a mortgage.  Talk to us well before you need a mortgage so we can help you to be mortgage ready.  For lots more information http://bit.ly/2o6hjCY

Second Promotion for John Smith

Financial Services
John Smith Promoted to Head of Paraplanning

We are delighted to announce that John Smith has been promoted to Head of Paraplanning. In May 2016 John was promoted to the position of Senior Paraplanner.  He joined Four Oaks Financial Services in January 2015 as a financial adviser but then switched roles and joined our in-house Paraplanning team as a trainee and quickly showed his aptitude for this work.  John has worked in financial services for many years having been a financial adviser for West Bromwich Building Society, HSBC and Lloyds Bank.  Owing to his exceptional experience, accuracy and communication skills especially with our financial advisers John has proven himself to be a valuable member of our senior team based at our offices in Shenstone Wood End, near Sutton Coldfield, Lichfield and Tamworth.

“John has been doing a great job managing the day to day running of the Paraplanning department for some time”. Says Martin Ward, MD of Four Oaks Financial Services. “He takes the personal development of everyone in his team very seriously and this promotion recognises John’s dedication and his attitude to getting things right first time.  This is something he imparts to the rest of the Paraplanners through having high standards and leading by example.”

Four Oaks Adviser To Walk 40 Miles In One Day

Financial Protection Adviser
David Jones, Protection Adviser will walk 40 miles in one day

Two years ago one of our clients suffered a major heart attack. This was out of the blue and he found himself in hospital in Stoke for a number of weeks.  Whilst there he wondered how long it would take him to walk home.  Last year he found out, because he did the walk with a group of local business people, including our MD Martin Ward and Protection Adviser David Jones, raising a staggering £10,000 for charity.  David has volunteered to do the walk again and this is taking place on the 30th April.  David who is an active member of the Army Reserves will not only be walking but he will also be helping to look after the other walkers feet and wellbeing during what is a grueling day, last year taking over 14 hours to complete the walk.

This year the walkers are supporting two local charities, The Buddy Bag Foundation, which is also Four Oaks Financial Services designated charity and Footsteps Counselling & Support.  Four Oaks is one of the walk sponsors and Martin Ward will this year be part of the road crew supporting the walkers as they journey from The Stoke Royal University Hospital to The Crown in Four Oaks. If you would like to find out more or make a donation please visit http://uk.virginmoneygiving.com/fundraiser-web/fundraiser/showFundraiserProfilePage.action?userUrl=thelongwalkhome2017

By clicking on the above links, you are now departing from the regulatory site Four Oaks Financial Services Limited. Neither Four Oaks Financial Services Limited nor Intrinsic are responsible for the accuracy of the information contained within the sites.

Four Oaks MD Is Judge At Business Awards

Financial Advisers in Sutton Coldfield
Martin Ward (2nd on Right) with the other judges and event organiser

The Tamworth, Lichfield and Sutton Coldfield Business Networking Awards have established themselves as the go-to event for local businesses. The fifth annual awards ceremony recently took place at Drayton Manor. But, well before the night of the awards Martin Ward, Four Oaks Managing Director, became a member of the panel of judges who freely gave many hours of their time to select the highly commended companies and the winners of the 12 awards categories. As Martin is a judge Four Oaks Financial Services couldn’t enter the awards this year, having won the Professional Business category in 2013 and 2014 and being highly commended in 2015.  Thanks to Philip Charles Photography

Announcing Our Charity

Four Oaks Financial Services Team at Buddy Bag Launch

We are very proud to be working with the Buddy Bag Foundation as our nominated charity. Buddy Bag Foundation works across the UK to help children who have to leave their homes, often as a result of domestic abuse or violence, and they literally leave with nothing but the clothes they are wearing.  Buddy Bags are backpacks that contain essential things the child will need such as toiletries and underwear, but also a teddy bear and other items that they can call their own.  The aim of the Buddy Bag Foundation is to help restore a sense of safety and security into a child’s life during what is a traumatic time.

Buddy Bag recently gave a presentation to our whole team and we are very excited to be supporting Buddy Bag by raising funds for them during events that we run throughout the year and our team will also be helping to pack buddy bags. If you would like to know more about the Buddy Bag Foundation follow this link http://www.buddybagfoundation.co.uk

By clicking on the above link, you are now departing from the regulatory site Four Oaks Financial Services Limited. Neither Four Oaks Financial Services Limited nor Intrinsic are responsible for the accuracy of the information contained within the site.

Celebrating Long Service

Financial Adviser Alan Woolford (right) with Martin Ward (left)

Alan Woolford was the first Adviser to join Four Oaks when we worked from a small office in Aldridge. That was five years ago and Alan’s commitment to the Practice has been celebrated with a long service gift of a new laptop which was presented to him at a recent team event.

“Alan has consistently produced good results and is always happy to help his clients and colleagues in any way he can.” Said Martin Ward, Managing Director of Four Oaks Financial Services.  “Alan is known as ‘Mr Reliable’, and he has become a good mentor for our younger Advisers.  We are very pleased to celebrate Alan’s five years at Four Oaks and thank him for his contribution which has helped the Practice go from strength to strength.”

Alan is a well-known networker in the local area and is a member of Burntwood Business Networking Group.