How much can I borrow as a first-time buyer?

Most lenders offer between 4 to 4.5 times your annual income, depending on affordability and credit status.

What deposit do I need for a buy-to-let mortgage?

Most lenders require at least a 25% deposit, though some accept 20% depending on the deal.

When should I remortgage?

You can remortgage up to six months before your current deal ends. This helps avoid moving onto a higher variable rate.

Can I combine multiple pensions?

Yes, combining pensions is often possible, but it depends on the type of pension and whether there are any special benefits attached.

Do I need a licence for an HMO in Chislehurst?

Yes, if your HMO has 5 or more tenants, you’ll usually need a licence from the local authority. Smaller HMOs may also require one depending on location.

Can I get a commercial mortgage as a limited company?

Yes, many lenders support commercial property purchases via limited companies, subject to credit and affordability checks.

Am I too young for equity release?

Most equity release plans require you to be at least 55 years old, and the older you are, the more you can typically release.

How fast can I get a bridging loan?

Bridging loans can often be completed in 5 to 14 days, depending on the property and legal process.

What types of protection cover are available?

Common types include life insurance, critical illness cover, and income protection — each offering different levels of financial security.

Pension Review Services in Chislehurst

🧓 Pension Review Services in Chislehurst

Thinking about your future retirement plans? If you live in Chislehurst and want a clearer picture of how your pensions are performing, we can help you take the first step by arranging a review with a trusted professional.

Whether you’ve had several jobs, multiple pension pots, or just want to check if you’re on track — we can help you connect with someone who can assess your current situation and explain your options clearly.

🔍 What Is a Pension Review?

A pension review is a check-up on your current pensions, including workplace pensions, personal plans, or frozen pots from previous employers. The goal is to understand:

📊 How your pension is performing
💷 What charges you’re paying
📁 Whether your pensions could be consolidated
🏁 Whether you’re on track for your retirement goals

If you’re unsure how your pensions are invested or what income they might provide, a review can give you clarity — and highlight opportunities to improve.

📁 Lost or Dormant Pensions?

Many people in the UK have one or more pensions they’ve forgotten about — especially if they’ve changed jobs multiple times. Our partners can help trace old or dormant pension pots and combine them where suitable.

This could make your retirement savings easier to manage and potentially reduce fees.

👥 Who Can Benefit From a Pension Review?

Anyone with a workplace or personal pension
People with multiple pensions from previous jobs
Self-employed individuals with private pensions
Anyone approaching retirement age and needing clarity

📍 Why Chislehurst Residents Use Our Service

Chislehurst is home to a wide mix of professionals, business owners, and retirees. We often hear from people who haven’t looked at their pension in years — or aren’t sure what they’re paying in fees or getting in returns.

If that sounds familiar, we can help you connect with someone who specialises in pension planning and can offer clear, practical insight.

📞 Book a Pension Check Today

Our service makes it easy to arrange a no-obligation pension review through a qualified adviser. There’s no pressure, and you’re free to take things at your own pace.

Visit our homepage to learn more, or try our Mortgage Calculator if you’re also considering equity release or later life lending.

❓ Frequently Asked Questions

What is included in a pension review?

A typical review will look at your current pension values, investment performance, fees, and any gaps in your retirement plan.

Can I combine my pensions?

Yes — combining pensions (also known as consolidation) may be possible if it makes financial sense. This depends on the types of pensions and any benefits tied to them.

Is there a cost to review my pension?

Initial reviews are often free, especially if arranged through our service. If advice is provided, costs will be made clear up front.

Can you help find old pensions?

Yes. Many partners offer pension tracing services to locate pots from previous jobs or old schemes.

Do I need to be near retirement?

No — you can review your pensions at any stage. In fact, the earlier you start, the more time you have to make changes if needed.

🧮 Mortgage Calculator for Chislehurst Buyers and Landlords

Using a mortgage calculator is a quick and easy way to get a rough idea of what your monthly payments might look like. Whether you’re buying a new home in Chislehurst or exploring buy-to-let options, it’s a smart place to start.

Our calculator allows you to adjust the loan amount, term, and interest rate — giving you a clearer view of affordability before you take the next step. It’s ideal for first-time buyers, landlords, and homeowners looking to remortgage.

Ready to run the numbers? Try our Mortgage Calculator now and get a head start on planning your next move.

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