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The Free Money Advice Service has been setup by the government to provide impartial advice on most financial matters but is particularly good on Equity Release. 

Equity Release is a minefield but a necessary minefield! Get it right and older people can raise money on their property - potentially allowing them to afford to stay in their homes for the rest of their lives. Get it wrong and they can accumulate an enormous debt and effectively disinherit their children as the finance company claims their home in order to repay the accumulated loan when they die. The link below may help you decide whether this might be a useful route to go down. However just as importantly consider using a financial adviser.
This is a simple AgeUK Equity Release calculator which will help you find out how much an equity release loan would allow you to raise on your house.

Independent Financial Advisers - IFAs Bournemouth

The Chatsworth Practice Ltd

Platinum house, 23 Hinton Rd, Bournemouth BH1 2EF, UK – 01202 233297

Excellent advice. Personal service.

St Barts Finance

260-264 Charminster Rd, Bournemouth BH8 9RR, UK – 0800 002 9900

James Sherrard and his team did an excellent job in finding us a good mortgage that suited our needs. The service was highly professional, informative, friendly, and competitive. Thank you guys, job well done!! We will be returning customers!

I have no hesitation in recommending James and the team at St.Barts. They have arranged 3 mortgages for me. Each time they've sorted out the best deal and made the whole experience as painless as possible. Thanks go especially to James.

City Mortgage Advisor

260 Charminster Rd, Bournemouth BH8 9RR, UK – 01202 348148

Steve is diligent, experienced, and knows the industry. Importantly too, he's an easy guy to talk with and makes the process easy to understand with little complications. The best mortgage advisor in Bournemouth in my view, and I've had experiences with quite a few!

Worked with city team when organizing my remortgage from a high street bank. Exactly what I was looking for well informed fantastic choice and excellent service. Highly recommended

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Bournemouth.
This is a revolution! We are used to going to a bank with a business plan and been lent money on very high rates of interest - but only under increasingly demanding conditions. Crowd funding is the public investing directly to the businesses - at all stages of their development. Crucially there is a huge range of projects and Crowd Funders. You could do worse than just read and then click some of the WiKi link below.

Crowd Funding and Business Loans

We could not find any Crowd Funding or Business Loans around your location. Please click below to see full results from Google.

Read current articles in MoneyWeek magazine.
Nationwide

559 Christchurch Rd, Bournemouth BH1 4BQ, UK – 0800 554 0424

Bit of a queue if you got at the wrong time. Nice helpful staff.

NatWest

The Shopping Centre, 3, The Castlepoint Centre, Castle Ln W, Bournemouth BH8 9US, UK – 0345 788 8444

Small branch but with friendly and helpful staff.

Easy free parking, friendly helpful staff accessable modern building

NatWest

5 Old Christchurch Rd, Bournemouth BH1 1DU, UK – 0345 788 8444

Well it's all about the staff here they are absolute excellent treat very personally not just the number which must be difficult for a bank I've always found them excellent and friendly senior management well no comment but on the grass is level very very good and yes some of the senior manager ok

Really helpful staff, efficient service and nothing too much trouble. surprised by negative reviews as service has been top class every time i go in

Banks

Nationwide

10 Southbourne Grove, Bournemouth BH6 3QZ, UK – 0800 554 1216

Helpful friendly staff

NatWest

42 Southbourne Grove, West Southbourne, Bournemouth BH6 3RT, UK – 0345 788 8444

Staff always been helpful to me when I holiday in Southbourne. I'm treated with respect and professionalism. Use it everyday in the week and cash point when it is closed.

My local branch. Helpful staff and a good banking service.

Lloyds Bank

2 Southbourne Grove, Bournemouth BH6 3RP, UK – 0345 300 0000

Always helpful and polite.

Always helpful staff

Building Societies

Nationwide

New Oxford House, 118-120 Old Christchurch Rd, Bournemouth BH1 1NA, UK – 0800 554 0320

This branch could do with attending to the air conditioning, if it has any. Staffed by lot of older people, mainly women. Could do with a staff focussed health regime. Air quality: dingy, stuffy. Maybe employ a Building Surveyor and a employee health specialist to encourage interest in Nationwide as a modern and progressive business. Usually busy, long queues. I think the whole branch needs a slight overhaul. Nice pleasant staff. Strange smell as soon as entering. I heard they clean the composite stone floor with bees wax. Not good. Organic matter decays producing bad odours. Maybe get some male staff for a balance. Women though good at customer relations and data entry are often not too good at technical and manual stuff. Overall impression: nice, friendly and helpful staff but the ambience is a bit jaded/whiffy/outdated. I think the branch was last modernised in mid to early 1990's.

Rather hot inside during the summer but the staff are very prompt with any enquiries.

Nationwide Richmond Hill

21 Richmond Hill, Bournemouth BH2 6EP, UK – 01202 292444

Very centrally located in the heart of Bournemouth on Richmond Hill new smart head office

Halifax

103-105 Old Christchurch Rd, Bournemouth BH1 1EY, UK – 01202 459203

They try and get you to use online and self service... if I did then they wouldn't be required.... I wouldn't mind but half of the time, their self service machine rejects my cheques! Staff are friendly enough and helpful, but the IT isn't up to it half of the time.

Mortgage Brokers

Oakwood Independent Mortgage Consultant

230A Malmesbury Park Rd, Bournemouth BH8 8PR, UK – 01202 587555

The team at Oakwood were wonderful. In particular David was helpful and enabled me to get a good affordable mortgage when my credit rating was poor. The team were supportive and professional and I would highly recommend to anyone considering buying a house.

Very friendly, efficient staff. Highly recommended.

Total Home Loans ltd

8, Trinity, 161 Old Christchurch Rd, Bournemouth BH1 1JU, UK – 0845 643 9941

Fast, efficient and friendly service. I contacted Total Home Loans as they were recommended by a friend and I needed advice fairly quickly. I was very happy with the services provided and would definitely use them again.

NexMoney

Avalon, 26-32 Oxford Rd, Bournemouth BH8 8EZ, UK – 01202 802677

We have used NexMoney on numerous occasions. This time it was to sell & buy. Luke had the mortgage sorted quickly and Linda kept us informed, sorting out queries and being a go between. Great service. Useful

Could not praise the team more. Made the dream of home ownership a reality. Made the process a lot easier as I imagine it could be by yourself great value for money. 100% would (and have) recommended. Thank you team

Mortgage Brokers - Key Questions

How much do mortgage brokers charge?
Typically, a broker will actually be paid around 0.35% of the mortgage loan as commission from your the lender. So, for every £100,000 borrowed, they would receive £700 in commission - if they are on commission. Many will therefore not charge for their advise if they are. However they maybe tied to specific companies and so may not be able to offer the best deal. Start with your bank. They will know you personally and financially - hopefully! They will tell you about their mortgages and you can use them as a base line to compare products found by mortgage brokers around Bournemouth.

Is it better to get mortgage from bank or broker?
This question will be answered by this initial mortgage research. You may hit it lucky and find that your bank can give you the best deal - but do check with a mortgage broker first.  

How do I find a good mortgage broker?
Don't write off the financial comparison websites. Moneysupermarket is full of good advise on how to find mortgage brokers and may even be able to point you around Bournemouth that they particularly recommend - although will be on commission themselves! Click the link below to go the the right part of Moneysupermarket.

Are mortgage brokers worth it?
Probably yes and we are not on commission! You are free to the these ones a ring - it could really worth it.

Mortgages

Money Back Mortgages

38 Richmond Hill, Bournemouth BH2 6EJ, UK – 0800 131 0011

I love Money Back Mortgages - it seems to be a well kept secret - fantastic service, on the best mortgage deals - and they pay you back half of the commission they get from the lender, so you get a couple of hundred pounds bonus when you re-mortgage. Amazing! I've used this company for 4 -remortgages now and think they are absolutely brilliant.

Parkway Financial Solutions

321 Holdenhurst Rd, Bournemouth BH8 8BT, UK – 01202 232136

Goog

The Mortgage Works

Portman House, Richmond Hill, Bournemouth BH2 6EP, UK – 0800 030 4060

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