Financial Services

B2B Profin was formed specifically to provide a face-to-face financial advisory service to businesses and professionals primarily within the Milton Keynes and Northern Home Counties areas. At the outset, our advisers will typically chat with you by phone to get an understanding of your requirements, before arranging to meet with you at your convenience to discuss in detail your specific desires and to outline our recommendations.

We are able to offer assistance by phone, post, or email. However our experience of such matters is that the majority of our clients would prefer to meet face-to-face with a specialist. This way we get to know and fully understand your situation before committing you to what may be the biggest financial commitment or undertaking you may have made in your life so far.

For more on our Financial services please visit our B2B Profin website

"In this world nothing can be said to be certain, except death and taxes" – Benjamin Franklin 1789.

Our fees

The advisers at B2B Profin are fiercely proud of their independence and are able to offer mortgages, insurance and investments from the whole market. Our regulatory body, the Financial Services Authority, require that any firm proposing to call itself ‘Independent’ must offer its clients the option to pay for its services by fee.

Accordingly, we offer clients the choice of paying No Fee, (we will be paid by commission from the lender), or paying a fee if they desire. There will be occasions when a consultation service is sought and a fee agreed between the firm and client dependent upon the work involved.

You may rest assured that you will be fully informed of our fee structure up-front in order that you may agree these in advance. As professional advisors we would prefer to charge an agreed fee for the work that we undertake on your behalf but as some clients prefer it we do still agree to work for no fee and receive any commission from the recommended provider in its stead.

Our aim is to build a trusted relationship between you as our valued clients and us as your advisers that will continue to serve you well during your lifetime, and which you are happy to recommend to others.

Full details of our charges are contained in our Key Facts About Our Services, which will be provided prior to any advice being given

Business Protection Insurance

Business Protection Insurance is a way of protecting your business and ensuring that your loved ones are catered for if the unexpected occured. Essentially there are five elements to Business Protection Insurance:-

Key person insurance - also known as keyman insurance
Director/shareholder protection
Partnership protection
Business loan protection
Sole trader protection

Business Protection Insurance clearly provides an all important safety net for all types of businesses. It is all too common for businesses to view Business Protection Insurance as an optional extra. It would be a far safer way of trading to consider Business Protection Insurance as part of the business plan from the first day of trading. Businesses all over the UK cease trading for all sorts of reasons - many of which could have been prevented had they had some form of Business Protection Insurance in place.

So why is Business Protection Insurance necessary?

Business Protection Insurance ensures that you, your co-workers and the business itself are insured for the unexpected. When Business Protection Insurance is in place and you experience the unexpected you can:-
Keep the business trading
Replace key individuals
Protect corporate debt
Buy out a shareholder if they become critically ill or buy their share from their estate if they were to die.

Mortgages explained

General Information

Not only do you need to consider which mortgage is best for you, you need to think about which interest rate options are most likely to suit your needs. This is a short guide to the interest rate options available on various mortgage products.

Remortgages

Remortgages can be used for various reasons, most people simply switch mortgage because it will work out cheaper for them. This short guide provides more information on remortgages.

First Time Buyers

Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. This short guide provides some good general advice on things to consider as a first time buyer.

Buy to Let Mortgages

Becoming a private landlord should not be seen as an easy way of making easy money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will continue to rise. That said, having a second property to let to tenants could reap considerable financial rewards over time. This short guide tells you what you need to know when considering Buy to Let.

Current Account Mortgages

With a Current Account Mortgage, you run all of your finances through a single account - your mortgage, current account, savings and personal loans. This short guide explains how Current Account Mortgages might benefit you.

Flexible Mortgages

A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over 25 years, look like a bit of a dinosaur. Most of us now assume that we may be better off opting for a flexible deal and this short guide explains why a flexible arrangement may benefit you.

Protecting the family

We all insure our most treasured material possessions such as our houses and cars in case of the unexpected; but some people don’t adequately protect themselves and their families. If you have a family you probably value your loved ones above all else and the last thing you would want is to have anything threatening their financial security.

Life Assurance

What would be the financial consequences to your family if you or your partner were to die? Who would pay the bills? Would you still want your family to live the life you had planned for them? It is important to remember that we do not effect life assurance for ourselves but for those who depend on us. We can help you arrive at the appropriate level of cover to protect your family. Using our experience we take into account benefits that would be received from all sources in the course of determining any shortfall in cover.

Income Protection

It’s easy to take for granted the ability to always be able to work. Imagine what life would be like if your income was reduced significantly or was to stop completely through illness or incapacity. How many people would be able to sustain a significant loss of income for the long term? We have an extensive knowledge of the range of income protection policies available within the market place and can obtain the best terms and conditions available.

Critical Illness

If you or your partner became seriously ill, there might be reduction in income and your lifestyle may need to change to help you recover. Special nursing or equipment may be required to aid the recovery process. These all represent additional costs, at a time when the household income may have been reduced. For most people it would be considered wise to protect at least their mortgage and other debts. A critical illness policy will pay out a tax free lump sum for any qualifying condition to enable major commitments such as a mortgage or loans to be paid off and allow you to concentrate on recovery.

B2B Profin( Colin Smith t/a) is an Appointed Representative of Burns-Anderson Ltd, 27 Great George Street, Bristol, BS1 5QT, which is authorised and regulated by the Financial Services Authority. Not all services offered by B2B Profin are regulated by the Financial Services Authority