Case Studies

Here are some examples of the help and advice we are able to provide, and a demonstration of how we work. The advice we provide is completely confidential and so personal details have been changed.

Defined Benefit Transfer for a divorcee

Upon referral from a colleague, a divorcee approached FOCUS for advice regarding her pension fund held under her previous employer’s defined benefit scheme. Her concern was that,by leaving her fund in the scheme, she would not be able to make full provision for her two children beyond the age of 23 (maximum) in the event […]

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Move and Let-to-Buy mortgage

Our clients Mr & Mrs H had been looking to effect a move for the family to Cornwall in order to improve their quality of life. They found a lovely cottage near to Rock that suited their needs exactly. The purchase price of the property was £495,000. They had savings of £50,000 to assist in […]

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Interest only mortgage

Our client, Mr G, needed to urgently raise a mortgage on a property he had recently built. He had an existing mortgage on his present home but the lender declined moving this to the new property as Mr G had built it himself and also because he required an interest only repayment profile (as per the […]

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Difficulty in obtaining a remortgage

Our clients – Mr & Mrs McE, got into financial difficulty in 2012 and, as a result, ended up having a default registered against their name/credit file in the sum of £3,600. They managed to clear the debt in May 2016 but their credit score was severely damaged as a result leaving them with only […]

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Financial protection for a business loan

Financial protection for a business loan The need An existing FOCUS corporate client required life assurance protection for two Directors as security on a new business loan. The detail To assist with a current expansion project, this medical diagnostic firm had decided to seek funding via a £200,000 business loan to be repaid over a […]

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Retirement & Investment Advice

Retirement & Investment Advice The need A former employee of a company for whom FOCUS provides pension scheme advice, Adrian has built up a good sized pension fund and is keen for his money to work as hard as possible to maximise the growth potential in his retirement fund. He therefore approached FOCUS for personal retirement […]

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A new pension scheme

A new pension scheme The need Established in 2011 and now having 10 employees,  a local technology company approached FOCUS as it was felt that the time had come to look at establishing a pension scheme for its staff. The detail Having previously been involved with a company that FOCUS provided pension scheme advice for , the finance director […]

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Introduction of an Employee Benefit Package

Introduction of an Employee Benefit Package A local, specialist house builder wanted to introduce an employee benefit package for its twenty five employees. The need The company did not have any employee benefit schemes in place and needed guidance both in terms of structure and implementation. The detail We first met with the company to […]

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Mortgage for newly self-employed client

Mortgage for newly self-employed client David and Kate needed to move because David had been offered a new, senior, position with his employer. The need David and Kate had found a property and were looking to purchase at £850,000, requiring a mortgage of £470,000. The detail As part of his promotion, David’s employment status changed […]

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Investment Advice

Investment Advice Carolyn has been a client of FOCUS for a number of years. Recently, her circumstances sadly changed. Following the death of her husband, Carolyn approached me for advice and guidance to provide financial stability for her young family. The Need Following receipt of the pay-outs from her husband’s life assurance and pension plans, […]

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First time buyers with non-standard income

First time buyers with non-standard income Sarah and Matthew were looking to purchase their first home. The Need Having found a property, Sarah and Matthew came to FOCUS as first time buyers seeking mortgage advice. With a purchase price of £300,000 and a deposit of £45,000, they required an 85% mortgage of £255,000. The Detail […]

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Equity Release Mortgage

Equity Release Mortgage Peter and Rosemary Thurston first came to FOCUS on recommendation from an existing client. At this time, I arranged a mortgage for them to purchase a new home in London. The Need A couple of years later, Peter and Rosemary contacted me for some further advice. They were both retired and with […]

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Mortgage for a non-standard property

Mortgage for a non-standard property James and Anna have been clients of FOCUS for many years. Most recently, they came to us as they were looking to move house and needed our help and guidance to find a suitable mortgage. The Need The property James and Anna wanted to purchase was slightly unusual as it […]

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Lifetime Financial Planning & Wealth Management

Lifetime Financial Planning & Wealth Management Mr & Mrs H originally came to FOCUS for some financial advice relating to pension funding requirements for themselves as company directors and also to establish a group pension scheme for their employees. The Need  At outset, we provided financial advice on all areas of the company’s insurance and […]

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At Retirement Advice

At Retirement Advice William, now 68, had accrued a substantial pension fund and used his pension plans as part of his tax planning. He came to FOCUS as he now wanted advice on how to access to his pension fund. The Need William had no immediate need for an income as he would continue to […]

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