Hamilton House, 1 Temple Avenue
London, EC4Y 0HA
+44 (0) 207 489 2018
info@riverside-consultants.com

Our Services

As part of our comprehensive, tailored approach, we offer a complete range of services to meet your needs:

Mortgages

Estate Planning

Investments

Protection & Life Assurance

Retirement planning

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. At Riverside we provide mortgage advice which is individually tailored to your particular situation. We have access to a comprehensive range of mortgages from across the market. We will act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you. We will liaise with your solicitors, your surveyors and your estate agents in order to ensure a smooth and stress free transaction.

We offer an efficient, no obligation service, with guidance on how best to acquire your new home or investment property (Buy to let mortgages are not regulated by the Financial Conduct Authority). We can also manage re-mortgage requirements when the time is right to change. Our aim is to help you through the process and to avoid unnecessary expense and frustrations.

The fee for arranging a mortgage is £395 but the cost for our initial meeting is met by us. Under certain circumstances, we reserve the right to charge up to 1% of the loan amount, typically this will be £395. We will provide you with written confirmation of your fee prior to the commencement of any chargeable activity.

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

Having worked hard during your life and paid your fair share of taxes, you’re likely to want the wealth you’ve created to benefit those who matter most. Inheritance Tax (IHT) is a major concern in the UK as property prices and estate values continue to increase. Unprotected assets are subject to 40% taxation on values exceeding the Nil Rate Band of £325,000 (2015/16) per person. Within your financial plan, we will assess how we can minimise your tax liability, whilst maximising what you can pass on to your loved ones in a tax efficient manner.

HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Saving and investing for maximum tax efficiency is more likely to result in your hopes and dreams becoming a reality. Whether it is saving for a deposit for your first home, planning for school fees or just saving for a rainy day, Riverside is here to determine the most effective route to achieving your investment goals.

We have access to a large number of UK and International funds either directly, via our Platform proposition, or indirectly, via our Insurance proposition. We can offer pre-approved portfolios by Old Broad Street Research (OBSR) or we will tailor a bespoke portfolio dependent on your particular attitude to risk.

The value of the investments and any income from them can fall as well as rise. You may not get back the amount originally invested.

Life and health assurance are generally considered to be essential cornerstones of financial planning. Against a general trend of better health and decreasing mortality rates, insuring against these risks can be relatively inexpensive.

Most people are aware of the need to have life assurance, if they have dependents or outstanding liabilities. But you should not ignore the need to have health assurance that will pay you an income if you are ill and cannot return to work. Critical Illness cover provides a lump sum should you be diagnosed with a pre-defined condition.

We will recommend the types of cover that are relevant for you, calculate how much you need and over what term. From a panel of providers we will identify the solution most appropriate for your circumstances.

With life expectancy continually on the rise and expected pension age increasing accordingly, thinking about and planning for you retirement has never been so important. Not only are people living longer, but their lives tend to be far more active, with a greater spending appetite to match. The basic fact is that our income in retirement will need to support us for much longer than previous generations ever expected.

At Riverside, we encourage our clients to start retirement planning as early as possible. We view it as integral to proper, holistic financial planning. As part of our advice process, we will help you plan for your retirement, to maximise your pension fund, select funds matching attitude to risk and ensure that the right decisions are made at the appropriate time. Of course, when you reach retirement age and you want to start taking your benefits, we will be there to guide you through the myriad of options available to you.

The value of the investments and any income from them can fall as well as rise. You may not get back the amount originally invested.