Why Do 70% Of Mortgage Seekers Work With A Broker?

Mortgage Advice Lichfield Mortgage Advice Tamworth Mortgage Advice Sutton ColdfieldYour home may be repossessed if you do not keep up repayments on the mortgage.

Sometimes it feels like everything has to be done on-line. But, apparently there is no substitute for the human touch, especially when it comes to getting mortgage advice. More than 70% of people looking for a home loan choose to work with a broker.  If you make the wrong choice you could end up paying hundreds or even thousands of pounds more than you need to pay.

There are a number of choices open to you, including trawling umpteen websites and spending hours putting in applications to a range of lenders. Visiting various high street mortgage lenders one by one, or talking to a knowledgeable Mortgage Adviser about your home loan options.  The latter choice will save considerable time and probably considerable stress.

Advisers like us offer much more than just a transactional service, and because we are local we provide extra insights by providing mortgage advice for Tamworth, mortgage advice for Lichfield and mortgage advice for Sutton Coldfield borrowers.  We can help you find the most suitable mortgage for your circumstances and can help you work out how much you can afford to borrow, and explain what lenders are looking for when they assess your finances.  This may be particularly important if you have not been in your job for very long, have a low deposit or are self-employed.

Mortgages need to fit your unique needs. We can talk you through the features and benefits of different types of home loans and make you aware of any extra fees or early settlement costs.  You see sometimes the headline rate may not actually make the mortgage as attractive as it first seems.  We are experts so let us guide you.  And, when you are ready to make the application that’s when we step and take care of the transactional side of things.

Your first meeting with one of our mortgage advisers is at our cost and without obligation. So get in touch and make an appointment to talk about your options.



New Business Development Manager Appointed

Financial Services
Simon Trevelyan, Business Development Manager

Our business is growing and we provide an exceptional level of service to our clients. But we are not content with that! We have created the new position of Business Development Manager and we are delighted to welcome Simon Trevelyan into this role.

Simon will be working with our team of local Financial Advisers at our prestigious offices in Shenstone Wood End near Tamworth, Lichfield and Sutton Coldfield. As Business Development Manager, Simon will be supporting our Advisers with their continuing professional development so we can maintain and enhance our high levels of customer service. The other key aspect of the role is to co-ordinate the interaction between our Advisers and the research and administrative processes that are carried out in other departments.

Simon has many years of experience in financial services and has spent over 15 years successfully managing teams of Advisers with the emphasis on delivering tailored advice, not “tick box” advice. Whilst at Skipton Financial Services, Simon was top regional manager for 3 years and was the company’s national seminar presenter, presenting at events organised by The Guardian and The Telegraph newspapers.

Simon says “What I am looking forward to most is working with the Advisers, helping them prepare for their client meetings and develop their financial planning skills and knowledge. We are starting a programme of team events, for example Prudential are coming in soon to give our Advisers additional knowledge. Things are always changing in financial services and we want Four Oaks Financial Services Advisers to be at the top of their game so they can give the very best advice to our clients.”

In his spare time Simon plays golf and is an avid Rugby Union fan and supporter of Lichfield Rugby Union Football Club.

When Do You Know You’ve Got Enough Money?

Wouldn’t it be sad if at the end of your life you found you had more money than you would ever spend?  It would be even worse if you had worked for longer than you needed to, or had spent years worrying about having enough money.

Help is at hand! There is a new approach to financial planning called lifestyle financial planning. The knowhow of a qualified financial adviser combined with industry proven technology is now available to help you answer difficult questions like:

  • When will I be able to retire?
  • Can I afford to change career or go part-time?
  • Can I give some money to my children or grand-children and still be able to live comfortably?
  • What rate of investment return do I need to achieve my financial goals?
  • Am I taking more risk with my investments than I need to?
  • What if there is a stock market crash or two, am I still going to be ok?
  • If I downsize to a smaller home in the future will this release enough cash to support or fund my retirement?
  • What will be my estate’s likely inheritance tax bill, and are there ways to reduce this?
  • How can I mitigate tax and optimise the income my investments earn?
  • What of my personal dreams can I realistically achieve?

At Four Oaks we believe that money is only a means to an end.  It is what you want to do with your money that is important part of financial planning.  So don’t resign yourself to the daily slog until the Government retirement age.  Work with one of our Financial Advisers and put yourself in the driving seat with the destination being a happier and more rewarding life and peace of mind!!

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

Tax treatment varies according to individual circumstances and is subject to change.

Announcing Personal Development Skills Training For Our Support Teams

Our Paraplanning, Client Liaison and Client Support teams make a huge contribution to the excellent client experience we provide. They perform a vital role in supporting our Financial Advisers who give local financial advice in the Tamworth, Lichfield and Sutton Coldfield areas. Our support teams not only provide information and admin services before an Adviser meets a client, they also make sure the Adviser is able to give appropriately researched advice and, once a client has made a decision on where and how to invest, they make this happen by doing all the processing work.

We are investing in a programme of personal development skills training, which has already started and is being delivered by respected coach and trainer John Stylianou of Actual People Development. The training is encompassing communication skills, telephone techniques and skills, planning and time management and preparing for performance reviews.

The training will be delivered in workshops that will dovetail with the training and management development skills that John is working on with our senior managers Kimberley Malin, Head of Client Support who is the leader of the Client Liaison and Client Support Teams and John Smith who is Head of Paraplanning.

Four Oaks MD Martin Ward said “The training and development of our whole team is very important to us as we want to maintain and improve our high standards of client care through continuous improvement. We are putting in place Personal Development Plans for every individual and this training for our Client Support, Client Liaison and Paraplanning teams is part of this learning. We have a happy environment and a real team atmosphere here at Four Oaks and this investment will help ensure this continues as we grow.”

Find out more about Actual People Development.

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.

Major Investment In Professional Management Skills For Our Senior Managers

Financial Advice Sutton Coldfield
L-R Kimberley Malin, John Smith, John Stylianou (Coach), Simon Trevelyan

In recent months Kimberley Malin and John Smith have been promoted to Head of Client Support and Head of Paraplanning respectively, and they are also members of our Steering Group. They are both extremely talented individuals in their areas of expertise but as we are growing as a business, so is our workforce.  We have therefore invested in a programme of management development coaching and training for both Kimberley and John.

We have contracted highly respected coach and trainer John Stylianou of Actual People Development based in Lichfield to deliver a series of training workshops and one to one coaching on a regular basis over the next 12 months. John is a consummate professional and has a background in delivering professional development for well-known organisations in the financial sector and high growth SME businesses.

Four Oaks MD, Martin Ward said “We have promoted Kimberley and John from within our team, which is our policy. This means they have more responsibility especially with managing the members of their team.  Therefore, we want to make sure they have the knowledge and skills they need to be successful managers and we are delighted to be making this investment for them personally and for the ongoing success of Four Oaks Financial Services.”

Find out more about Actual People Development http://www.actualpeople.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.

Six First Time Exam Passes Gets Our Academy Off To A Flying Start!

Our Successful Academy Team with Academy Leader, John Smith (Centre)

The first exams to be taken by our people through our new Four Oaks Training Academy have netted fantastic results with all six of them passing their RO5 Financial Protection examination first time!

Congratulations to Lily Jackson, Sam Harley, Emily Walker, Kevin Holder, Charlotte Holmes and Charlotte Trueman.

The aim of our Academy is to enable our Financial Advisers and our support teams to study for their professional qualifications. In this instance all of our Academy members who took this exam are not Financial Advisers, they are from our Paraplanning and Client Support teams.  We believe it is important for all of our staff to be as well qualified as possible in order to provide the very best service to our clients.

The Four Oaks Academy is now studying for the RO2 qualification in Personal Taxation.

“I am so pleased.” Says Four Oaks Managing Director, Martin Ward. “John Smith heads up the Academy and he has done a stunning job setting up the study plan, leading the Academy sessions and putting everyone through their mock exams and mentoring them.  Everyone has studied hard and deserves recognition for their dedication and commitment which has led to this great result.”

Lifestyle Financial Planning, Our New Enlightened Approach

Financial Planning
Lifestyle Financial Planning

If you knew how much money you would have at the end of your life, and this was far more than you needed, think how this might affect the decisions you will make.

With industry leading technology and the expertise of our Financial Advisers we can work with our clients to project forward not only to the end of their life, but through every stage of their life to show their likely financial situation. This enables you as our client to answer questions such as:


  • When will I know when I can retire?
  • Could I change career or go part-time?
  • Can I give my children money for house deposits and still be able to live comfortably?
  • What if there is a stock market crash or two, am I still going to be ok?

The very sad fact is that lots of people amass more money than they will need to give them for a long and fulfilled retirement. They spend years working and worrying when they could be living their dreams and spending time with family.  The key is to work with your Adviser to model what you need to do that will result in the income you need to achieve your life goals.  This lifetime lifestyle financial plan will bring clarity and peace of mind.

Talk to your Adviser.

Announcing The Launch Of The Four Oaks Training Academy

Celebrating The Launch of The Four Oaks Training Academy

We have launched the Four Oaks Training Academy creating a defined career path for our team who wish to achieve their Level 4 Diploma in Financial Planning. This could lead them to becoming a Financial Adviser or pursuing another career route with us at Four Oaks.  This is a financially remunerated development programme which is good for our team and good for Four Oaks because we ensure we keep our very talented people within the business and have an excellent stream of qualified Advisers to support our clients and future growth.

Our already qualified Financial Advisers will be working towards their Chartered status, which supports our goal to become a Chartered practice.  Four Oaks MD, Martin Ward said “Financial Services is ever changing. We always strive to give our clients a premier service and to continue to do this we need our entire team to be competent in the academic aspects of our industry especially the legal and regulatory requirements as well as the delivery of financial services. We are looking to provide a long-term career for the Four Oaks team and believe that our new Academy will do just that.”