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MortgagesMortgages
Choosing a mortgage is probably the biggest financial decision you will make. However with thousands of mortgages to choose from it can seem like an impossible maze to find your way through.

InvestmentsInvestments
Getting your financial affairs in good shape, with funds available to meet unforeseen costs, to reduce your mortgage or to support you in retirement, can increase your sense of security and freedom.

PensionsPensions
Saving for retirement is something that most of us put off for as long as we can.


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Home Information Packs (HIPs)

Since the 1st of August 2007 a legal requirement was phased in whereby anyone within England or Wales who intended to sell a residential property was required to have commissioned a Home Information Pack (HIP) before the property could be marketed “For Sale”.

You can purchase HIPs from a variety of sources, but be wary of cheaper alternatives which may come with tie-ins or hidden costs.

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Domestic Energy Performance Certificates  (EPC's)

Since the 1st of October 2008 landlords have been required to have an Energy Performance Certificate (EPC) conducted on their properties before they can advertise there property 'For Let'.

The EPC is calculated in exactly the way as the EPC within a HIP, however, it is valid for ten years instead of three.

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Commercial Energy Performance Certificates  (CEPC's)

Since the 1st of October 2008 Commercial Energy Performance Certificates (CEPC’s) have been required on all commercial properties upon sale, construction or rent. They and should be made available to any new tenant or purchaser as soon as marketing commences.

CEPC’s are more complex than the domestic type and will often require an initial visit to the property before a quote can be provided.

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The Financial Services Authority does not regulate Home Information Pack & Energy Performance Certificate activities.

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We always strive for great service
Treating Customers Fairly is a core principle of our company and the way we conduct our business.

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Testimonials
Mr S Close - Yarm
I have used Independent Financial Services for investment advice for a number of years....

Testimonials

If I had my way, I would write the word "INSURANCE" over the door of every cottage and upon the blotting book of every public man, because I am convinced that for sacrifices which are inconceivably small, families can be secured against catastrophies which otherwise would smash them forever. - Sir Winston Churchill.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

We do not normally charge a fee for mortgage advice, however this will be dependent on your circumstances. If a fee is charged our typical fee is £250.

J Gillespie & Co Ltd t/as Independent Financial Services is an appointed representative of Personal Touch Financial Services Ltd
which is authorised and regulated by the Financial Services Authority.

TERMS AND CONDITIONS

J Gillespie & Co Ltd t/as Independent Financial Services, Registered in England & Wales, No 04128171 - 87 Stockton Road, Hartlepool, TS25 1SJ


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