Boost financial wellbeing with expert mortgage & financial planning advice

A Valuable Employee Benefit That Supports Financial Wellbeing

In today’s economic climate, supporting employees’ financial wellbeing is more important than ever. With higher interest rates, rising mortgage costs and pressure to protect your assets and finances, homeownership can be a major source of stress for some employees.

Our mortgage advisory and financial planning service is designed specifically for employers who want to offer meaningful support to their employees. This service seamlessly complements your existing employee benefits and wellbeing strategy, adding a crucial financial wellbeing component to help your employees successfully navigate homeownership and long-term financial planning.

Our areas of specialism: How we can support your employees

Our team of dedicated advisers provides expert, independent and tailored advice to your employees. From the moment an employee contacts us, we help understand their circumstances and needs, and manage the process from start to finish, ensuring a seamless and stress-free experience. We can help them with:

Mortgage advice

• Buying a first home
• Moving home
• Securing a new rate (remortgaging)
• Buy-to-Let mortgages
• Mortgages for new-build homes
• Self-Build project finance
• Large mortgages & High-Net-Worth (HNW) individuals
• Later life lending (for those over 55)
• International & Expat mortgages
• Mortgages for those with complex income structures
• Short-term financing (Bridging & auction finance)

In the majority of scenarios, our mortgage services come at no cost to your employees, making it a high-value, low-cost benefit for businesses to provide. Fees are only payable on certain specialist mortgage products, and will be discussed before proceeding.

Financial Planning advice

• Investment planning - whether your employees are new to investing or seasoned investors, we can create a well-diversified portfolio to match their needs and objectives. Alternatively, we can also review their existing arrangements.

• Retirement strategies - we advise and review all types of pensions, from stakeholder and personal pensions to self-invested personal pensions (SIPPS) and group personal pensions.

• Inheritance tax planning (IHT) - by taking control of IHT planning early on, we can build a tailored strategy with your employees. We can help if they have wealth to protect and are keen to reduce their overall IHT liability.

A fee will be payable for our financial planning services, however your requirements will be discussed and any applicable fee agreed before proceeding.

Why this matters for your business

Your employees are your greatest asset and how they feel about their money and financial future can directly impact their focus, performance, focus and overall wellbeing. Plus Including this benefit can also help drive employee engagement, productivity and retention.

Offering access to specialist mortgage and financial planning services can benefit your workforce in many ways:

• Reduced financial stress – Employees receive expert guidance, making mortgages, homeownership and financial planning less overwhelming. 
• Informed decision-making – Access to whole-of-market mortgage advice ensures your people secure the best available options tailored to their needs.
• Increased job satisfaction – A workplace that supports financial wellbeing fosters loyalty and long-term commitment. 
• Flexible appointments – Employees can access the service – whether that’s face-to-face clinics, webinars, or one-on-one meetings - at their convenience around their work. 

Flexible engagement to suit your business and employees

We work with you to find the best way to engage with your employees and design a programme that enhances your existing benefits offering.

Our team can deliver a variety of tailored communications, including:

• Face-to-face mortgage and financial planning clinics
• Educational webinars focussing on specific subject areas
• Lunch and learn sessions
• One-on-one meetings at times that suit your employees
• Regular market updates to keep employees informed about market trends

Howden Mortgages and Financial Planning is a trading style of SPF Private Clients Limited. SPF Private Clients Limited is part of the Howden Group. Registered in England and Wales under company number 36809707 with its registered office at 33 Gracechurch Street, London, EC3V 0BT. Authorised and regulated by the Financial Conduct Authority (FCA).