How we work
As Independent Financial Advisers we are free to advise on financial products available from all product providers. We use advanced computer software to research, compare and select the most suitable deals currently available. We are thus able to make arrangements to maximize the benefits to our clients.
You'll get our help to review your existing financial situation and reach a realistic assessment of your likely needs. For this, you'll need to set aside some time to talk to us - the first 45-minute consultation is free. There's no charge, and no obligation, while we find out together if it's worth going ahead.
Depending on your instructions we will carry out a needs analysis based on your current situation, and taking into account any specific plans and/or targets you may have. We will then advise you on anything from a short term financial objective to a lifetime financial plan, followed up with regular reviews where agreed.
You will receive professional advice about where your financial arrangements are already good, and where they're inadequate (or not covered at all).
You'll also have our help to decide how much provision you need to make, and the order of priority in dealing with your finances. And of course it will all be sensibly balanced in relation to your current income and your prospects.
In almost all cases we are able to make arrangements which clients would be unable to make for themselves. All our proposals will be fully explained so that you'll know exactly what and why before you agree to anything.
Committed to treating our customers fairly
At Thornton Springer Financial Services, we are committed to offering our customers the highest possible standards of service. In so doing we are pleased to support the Financial Services Authority initiative 'Treating Customers Fairly'.
We recognise that both we and our customers have everything to gain if we look after your best interests and treat you fairly in all aspects of our dealing with you.
Our commitment to you
We will:
- provide you with clear information about the products and service we offer, including fees and charges
- ascertain your individual needs, preferences and circumstances before recommending a mortgage
- only recommend a financial product that we consider suitable for you and that you can afford - and always the most suitable from the available options
- encourage you to ask if there's something you don't understand
- give you access to a formal complaints procedure should you become unhapy with our service
How you can help us
To help us give you the most appropriate advice, we will ask you to:
- tell us as mush as possible about your income and outgoings, to enable us to properly assess how much you can afford
- let us know about the changes to your circumstances
- let us know if there is any respect of our service, or of a product we have discussed or recommended that you don't understand
- tell us if you think there are ways we can improve our service.