Calculators
Useful tools and calculators from the Money Helper (Money Advice Service).
Mortgage Calculator
This tool helps to guide how much you’d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Pension Calculator
This calculator gives an estimate of the income you’ll get when you retire. It includes income from workplace schemes and private pensions contributions, plus your basic State Pension before outlining any shortfall and tips for addressing it.
The value of pensions and investments and the income produce can fall as well as rise. You may get back less than you invested.
Savings Calculator
This handy tool helps users to understand how long it will take to save a specific amount, or how much they need to save to have enough by a particular date.
Redundancy Action Plan
The tool gathers information about the user’s particular redundancy circumstances to provide tailored information relevant to them and informing users of their legal rights and statutory redundancy pay. It encourages users to use the budgeting functionality to work out how long any pay off will last and provides information about entitlements to benefits. Your tailored advice plan can be printed at the end of the tool.
Opens on MAS website
Loan Calculator
Loan calculator helps to visualise the monthly cost of one or several loans and will output a date from which you will become debt free. From there, a you can prioritize existing loans and scenario test the effects of payments increases/decreases.
Divorce and Separation Infographic
This infographic provides a fantastic overview of the key financial considerations when dealing with the very emotional subject of divorce. By giving people a clear outline of the money side of things, this will help people feel more in control of their situation.
Patient in explaining investment strategies and fee structures
I’ve known Graham for 12 years during which he has helped to manage the major part of my financial affairs. His approach to clients has been exemplary: patient in explaining investment strategies and fee structures, ready to answer the kinds of questions that those like myself without expertise in the language and organisation of financial advice invariably need to raise, generous with his time in meetings in order to ensure that complex issues and important choices are fully understood. His determination to grasp in detail the profile and objectives of clients and to work out together the best investment strategies, both for the short- and the long-term make him a financial adviser in whom I can have complete confidence. I would not hesitate to recommend him highly to prospective clients.