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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 Coatbridge

DM Pension & Investment Solutions Ltd

6 Leesland, Uddingston, Glasgow G71 6TW, UK – 01698 815006

Contacted David, who had previously done excellent work for the family, regarding pension transfers from previous employers. He came to my house and explained all the options in an understandable and professional manner. Really impressed with the ongoing updates, great communication and timelines met. This is a first class organisation, rating 5/5".

I have used David in the past when I was cashing in my annuity for the best deal and found him very helpful. I therefore had no hesitation in calling on David again to rearrange our savings which he did with characteristic efficiency

Affinity Financial Planning Ltd

Kelvin House, 87 Calder St, Coatbridge ML5 4EY, UK – 01236 421422

MKM Financial Management Ltd

8 Hozier St, Coatbridge ML5 4DB, UK – 01236 441120

Click for excellent Money Saving Expert advice on choosing an Independent Financial Adviser (or IFA) around Coatbridge.
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.
TSB Bank

106 Main St, Coatbridge ML5 3BJ, UK – 01236 358997

Just a BIG thanks to Robert @ the Coatbridge branch.Your advice and humor were well and truly noted.Great adviser and a great guy all in.Thanks again my friend.

Nationwide

91 Main St, Coatbridge ML5 3HJ, UK – 0800 554 0927

This is a very small branch and doesn't take many people to make it seem much busier than it actually is. It could definitely do with a refurb as it is old and tired looking. However, the staff are really friendly and helpful and highly efficient in managing the difficulties in dealing with such constrictions.

Rbs

A725, Coatbridge ML5 4ER, UK

Publicly-bailled out shysters

Friendly staff

Banks

RBS

80 Main St, Coatbridge ML5 3DZ, UK – 0345 724 2424

Lovely staff, but always really busy with long queues!

Clydesdale Bank

23 Bank St, Airdrie ML6 6AD, UK – 0800 345 7365

Nice place and staff are very helpfull

Not bad, but HSBC offers better services in my opinion.

Nationwide

3 Graham St, Airdrie ML6 6EQ, UK – 0800 554 0932

just joined nationwide and staff are lovley ,they do some great accounts for all walks of life ,michelle is lovley and very helpful ,its a small place the serve airdrie ,im happy all the samd

Building Societies

Nationwide

91 Main St, Coatbridge ML5 3HJ, UK – 0800 554 0927

This is a very small branch and doesn't take many people to make it seem much busier than it actually is. It could definitely do with a refurb as it is old and tired looking. However, the staff are really friendly and helpful and highly efficient in managing the difficulties in dealing with such constrictions.

Nationwide

3 Graham St, Airdrie ML6 6EQ, UK – 0800 554 0932

just joined nationwide and staff are lovley ,they do some great accounts for all walks of life ,michelle is lovley and very helpful ,its a small place the serve airdrie ,im happy all the samd

Mortgage Brokers

Independent Mortgage & Property Services Ltd

23 Stirling St, Airdrie ML6 0AH, UK – 01236 750343

I would recommend Independent Mortgage & Property Services to anyone thinking of buying a house as the experience was professional and painless. David and his staff focused on helping as much as possible with the purchase along with providing great advice about the best value products which were available to me. Unlike some others I have used previously David kept me updated at all times and was always there to respond to any questions I had, great service!

I've used David now for several years across various mortgage and insurance reviews and renewals and he has always been first class. At various stages of my career I've been both self-employed and employed and David still was able to give me access to the best advice and the most competitive rates. I would have no hesitation in recommending Independent Mortgage & Property Services for all mortgage and insurance related advice.

Complete Mortgages

60 Brambling Rd, Coatbridge ML5 4UP, UK – 07768 312001

Premier Mortgage Club Ltd

61 Oakridge Rd, Bargeddie, Glasgow G69 7TH, UK – 0845 217 1577

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 Coatbridge.

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 St Stephens Primary School 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

Consumer Choice Mortgages

4 Dykehead Cres, Airdrie ML6 6PU, UK – 01236 747223

The Loans Department

Arca Business Centre, 8 S Caldeen Rd, Coatbridge ML5 4EG, UK – 0808 168 0608

Independent Mortgage & Property Services Ltd

23 Stirling St, Airdrie ML6 0AH, UK – 01236 750343

I would recommend Independent Mortgage & Property Services to anyone thinking of buying a house as the experience was professional and painless. David and his staff focused on helping as much as possible with the purchase along with providing great advice about the best value products which were available to me. Unlike some others I have used previously David kept me updated at all times and was always there to respond to any questions I had, great service!

I've used David now for several years across various mortgage and insurance reviews and renewals and he has always been first class. At various stages of my career I've been both self-employed and employed and David still was able to give me access to the best advice and the most competitive rates. I would have no hesitation in recommending Independent Mortgage & Property Services for all mortgage and insurance related advice.

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