Aldenhart Financial Services Ltd. are Independent Financial Advisers who are authorised and regulated by the Financial Services Authority (FSA number 220496).

We offer a fully comprehensive financial advice service to help with all your short, medium and long term financial planning requirements. We remain committed to being fully independent and offering products from the whole of the market.

If you have any questions regarding our services then please do not hesitate to contact us at any time. This Website is UK based and falls under the regulatory and tax regime of the UK. This Website is aimed at customers within the UK.

Aldenhart Financial Services Ltd originally commenced trading in 1993.  The business was originally run as an Appointed Representative of a network and became directly authorised by the Financial Services Authority on 1st April 2003 (FSA No. 220496). 

The business is based in its own offices in South Croydon, Surrey and since those early days has grown considerably both in staff numbers and clients (who now exceed 1500). 

Clients are based all over the UK but because of heavy investment in technology, access to our services can be via telephone, fax or email as well as personal visits as and when appropriate. 

The company proposes to continue its expansion to all areas of financial services.

Andrew is Director of Aldenhart Financial Services Ltd which commenced trading some years ago. His career has included 10 years with a major clearing bank followed by a further 10 year period with a major Building Society.

In 1987 he left the Society to join a large national broker as Director with responsibilities for developing corporate connections and with particular emphasis to employees of those companies for personal financial arrangements.

After leaving that organisation Andrew set up as an Independent Financial Adviser and currently undertakes work for employees of major corporate organisations such as Marks and Spencer Plc and Pfizer Ltd.  More recently Aldenhart Financial Services were appointed to take over the financial services work for a major local firm of solicitors.  This separate organisation, ASM Financial Ltd (FSA No. 469352), is an Appointed Representative of Aldenhart Financial Services Ltd, the principal firm.

Andrew can be contacted directly on andrewholloway@aldenhart.co.uk

Chris has 20 years experience in the mortgage market, 15 of which were devoted to being Branch Manager of a major high street lender. He left them in 2005 to work for an established IFA as a mortgage specialist and has achieved both CeMAP and Lifetime mortgage qualifications.

Chris has joined Aldenhart to help develop the mortgage business by bringing new clients to the firm and ensuring our existing customers' needs continue to be met in a professional and timely manner.


Chris can be contacted directly on chrisderben@aldenhart.co.uk

Ros Cox first started working for Aldenhart Financial Services in 1995 and is therefore experienced in all administrative aspects of financial services.

She works closely with Andrew Holloway in dealing with agents, solicitors, lenders, insurance companies and investment houses to ensure that client requirements are progressed quickly and efficiently.

As Administration Manager Ros handles the daily administration of Aldenhart Financial Services so any enquiries may be directed to her. Ros can be contacted directly on roscox@aldenhart.co.uk

Joan Parine has joined Aldenhart Financial Services Ltd as a Mortgage Administrator.  She works closely with Chris Derben and deals with lenders and solicitors to ensure clients receive a speedy and efficient service.

Joan has 14 years of experience in all aspects of mortgage administration for a major high street lender. Joan can be contacted directly on joanparine@aldenhart.co.uk

Aldenhart Financial Services Ltd
Bolingbroke House
332 Brighton Road
South Croydon
CR2 6AJ

Tel. (020) 8666 0201
Fax. (020) 8686 0699
e-mail : info@aldenhart.co.uk

Please speak to Aldenhart Financial Services Ltd before downloading any of the files on this page. All files are in .pdf format and require Acrobat Reader to be installed on your computer. Adobe Acrobat is a free download, click on the logo below to download. Once completed and printed you may post or fax to Aldenhart Financial Services Ltd.

Downloads
Personal Fact Find		Combined Initial Disclosure Document
Client Agreement		Data Capture Form (Life Assurance)
Mortgage and Protection Fact Find

A mortgage is likely to represent the single biggest transaction that most of us will ever take on in our lives. The amount borrowed is, more often than not a significant multiple of the salary or salaries of the applicants and as such, because there is a vast selection of mortgages on offer, careful consideration should be given when making these arrangements.

Aldenhart Financial Services Ltd. offer a comprehensive mortgage service which examines your particular circumstances and recommends a suitable mortgage accordingly, from the whole of the market.

Mortgage Glossary

Advance a lender providing the funds to a client

Adverse Credit a poor credit record such as mortgage arrears or county court judgements (CCJs)

Arrangement Fee a fee for setting up your loan

ASU Accident Sickness and unemployment insurance. This type of plan is normally set up to cover your mortgage payments plus 25% for additional bills. Normally these payments will run for between 12 and 24 months.

Base rate the rate of interest set by the Bank of England. Sometimes lenders call their own standard variable rate their base rate or basic rate.

Building report a detailed survey of a property. Recommended for older or more unusual properties

CCJ county court judgement. Handed out for non-payment of a debt

Completion the point at which a property is legally yours

Credit check/score the way some lenders assess the risk of taking you on as a borrower, based on your financial record and income

Disbursements the name for the various costs a solicitor will charge for carrying out your legal work

Early repayment charge a penalty sometimes charged by a lender when you repay the mortgage earlier than expected

Equity the proportion of the property you actually own

Exchange of contracts the point at which a vendor’s and buyer’s solicitor swap contracts and begin to finalise the purchase

Freehold land or property that is owned in perpetuity as opposed to leasehold, where the owner buys the right to live there for the length of the leasehold agreement

Guarantor someone who agrees to guarantee your loan and is fully liable for its repayment should you default

Homebuyer’s report more basic than a Building Report, it includes a valuation and should reveal any faults a property has

IFA independent financial adviser who considers the whole market to find you a mortgage

Leasehold gives you the right to occupy the property on the land which the leasehold covers for a specified period

LTV loan to value. The proportion of the value or the price of the property, whichever is the lower, that a lender is willing to offer you

Negative equity the size of the loan on your home is greater than the property’s market value

Pay rate the rate of interest you pay on a home loan

Portable when you transfer your mortgage to a new home without penalty

Remortgaging arranging a new mortgage on your home, without moving

Self-build building your own home

Self-certification where you declare your income to the lender which it will generally accept with the minimum of checks

Stamp duty a type of government tax on the purchase price of a property. This has been abolished for purchases in some areas

Title deeds legal documents for a property

We all know we should save but there are many people who for one reason or another just never seem to get round to it. This is hardly surprising, with the vast range of savings schemes available how can you know that the scheme you pick is right for you.

If you would like to talk to one of our friendly professional staff then please contact us and we will be happy to assist you. We guarantee that we won't talk jargon to you and remember starting a savings habit may only involve a few pounds per month. If you would like us to contact you then please complete our online enquiry form.

Useful Links:

Pension planning for retirement can sometimes be a complex subject to understand.

Aldenhart Financial Services Ltd can, if appropriate, give you guidance and advice over the various options available to you. For the majority of employees, joining the company pension scheme is generally accepted to be the most appropriate route to adopt and full details should be available to employees detailing the cost and benefits of joining such an arrangement.

It's never too early to give this matter serious thought so why not contact us for a free initial discussion regarding your circumstances. Our expert advisers will be happy to talk to you about ways in which you can make sure that your retired years are worth the work you have put in to get there. As an alternative, we are happy to contact you, just complete our online enquiry form.

Useful Links:

As part of your financial planning arrangements you should consider suitable life protection. We offer a comprehensive range of products including convertible, decreasing and term assurance, whole of life plans and family income benefit plans. We also offer a comprehensive range of plans to include critical illness cover and permanent health insurance (sometimes known as income replacement).

Please contact us for a suitable quotation based on your circumstances, which will include age, medical history, term of the plan and amount of cover required.

We can also supply quotations for buildings and contents insurance as well as accident, sickness and unemployment (ASU) cover.

We hope that you will find the links noted interested and informative. Please note that, upon clicking on any of these links you will leave the Aldenhart Financial Services Ltd web site and as such we are not responsible or liable for the information / advice that may be contained in any of the pages that you will see.