T: 028 406 24626  M: 07818094023  E: philip@spratt-financial-services-ltd.co.uk

Pensions                                                             Regular Savings & Investment

• The State Pension 
  
• Choosing the Right 
  
• Pension SERPS / S2P
  
• Personal Pension planning 
  
• Open Market Options
  
• Company Pension Schemes
  
• Stakeholder Pensions
  
• Your Pension & Changing Jobs
  
• Pensions for Smokers / Ill Health

• Annual Gift Allowances
  
• Tax Efficient Savings 
  
• Investments
  
• Funding for University Fees
  
• Personal Allowances
  
• Estate Planning (IHT)
  
• Wills and Trusts

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Life Assurance & Critical Illness                       Mortgages

Level Term Assurance

• Critical Illness
• Whole Of Life 
• Decreasing Term Assurance 
• Universal Term 

• Business Protection 
• Income Protection 

A Full Range of Mortgages Are Available to Suit Everyone's needs From: 

• First Purchase
• Home Movers 
• Remortgages 
  
•  Buy To Let

Your home or Property may be repossessed if you do not keep up repayments on your mortgage.

Spratt Financial Services Ltd  Registered in Northern Ireland No.NI 053377
5 Bannview Hts Banbridge Co.Down Bt32 4LZ
Authorised And Regulated By The Financial Conduct Authority 
We are on the Financial Services Register  No. 429148
The Financial Conduct Authority does not regulate will writing, taxation and trusts advice and some aspects of buy to let mortgages
The Information contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK