Cooper Associates
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Cooper Associates Voted Best Mortgage Office in the UK and Best Regional Mortgage Broker in the South West at the ESTAS 2020. At Cooper Associates, our core values are at the heart of everything we do. We provide an unparalleled level of service to our clients, with whom we look to build a lifelong relationships based on trust and integrity. We don't believe in jargon, our award winning mortgage advisers work only to give you a bespoke, personal mortgage recommendation tailored just for you.

Our wealth of mortgage experience extends from first-time buyers to advice on moving home, remortgaging, buy-to-let mortgages and equity release. We know the value of face to face advice. We are always happy to travel to meet you at a time and place that suits you best. We treat every client as our only client so you can be assured you will have our unreserved attention whatever advice you may require.

Our mortgage advisers are based in Taunton, Exeter, Bristol, Reading and Torquay and offer appointments from 8am to 8pm.
Highlights

read more › Our business is the provision of advice on financial matters and we deliver our services from three distinct and award winning brands. Cooper Associates is an award winning mortgage advisory firm and our service is the delivery of tailored mortgage and insurance advice. Cooper Associates Wealth Management is a financial advisory firm, and our service is the provision of investment, pension and inheritance tax advice. Despite being one of the country's fastest growing financial firms, we recognise that our continued success is dependent on making sure we get matters just right for you.

read more › At Cooper Associates Wealth Management we've chosen to work with St. James's Place Wealth Management because their values are aligned with ours and they have a strong heritage. St. James's Place Wealth Management is a FTSE 100 company with 90.7bn of client funds under management. Our approach is to treat each client as our only client and we therefore do not impose unnecessary 'client criteria', such as a minimum level of wealth. Whether you're starting out on your financial journey, or whether you've already accumulated significant wealth, we'd be delighted to help.

read more › We offer those who strive to succeed a meritocratic environment in which they can prosper. We are committed to developing our people and helping them to achieve their goals and aspirations. We will develop, support and mentor our individuals and in return, we expect them to deliver. Cooper Associates places great emphasis on recruiting only the highest calibre of individual. Our fast paced environment is driven by those within it and we are always interested in individuals who fit our culture. Cooper Associates Mortgages is a fast-growing business within the Cooper Associates Group and we are looking for an Equity Release Adviser to join our advisory team.

read more › The Cooper Associates Foundation is the philanthropic arm of the Cooper Associates Group, acting to support charities through clients associated with the Cooper Associates community. Our giving is guided by themes, with the main focus on children and young people who have special needs through illness or disability, or who are disadvantaged in other ways. We also look to support other good causes. Our Foundation is keen to support small to medium-sized charities that can benefit substantially from our fundraising.

read more › Starting from the simple principle that each client should be treated as our only client, we aim to build long term relationships whereby professionalism and integrity are the fundamentals. For mortgage advice to be truly valuable, an understanding of your financial position is imperative and we achieve this through face-to-face meetings between you and your expert mortgage adviser. A mortgage is potentially the biggest financial commitment you are likely to face, and with the ever-increasing complexities of the financial world, the importance of employing the services of the right mortgage advisory firm has never been so important.

read more › Buying a new home can be one of the most exciting times you will experience. It can also be one of the most challenging. Whether it is your first step on the property ladder or you have moved many times before, we understand the questions and concerns you may have. We offer face-to-face appointments at a time and location of your choice to determine your objectives. After discussing all relevant options available, we will then deliver a personal solution for you. We know when you are buying a new property, there will be numerous professional firms party to your application.

read more › Buying a home is likely to be the largest financial commitment you ever make, and it is vital that you have the right mortgage. When it is your first step on to the property ladder, the choices can sometimes be daunting. With so many mortgage lenders offering so many products, Cooper Associates can guide you through the complexity of today's mortgage markets. We provide a bespoke mortgage recommendation that is not only suitable for your individual needs, but also as competitive as it can be. Watch our first-time buyers, Harriet & Stuart talk about their experience of buying their first home through Cooper Associates.

read more › Remortgaging is an area of finance that is often overlooked, with so many never realising just how valuable advice on a remortgage can be. However, with your mortgage likely to be your largest financial commitment, it is essential that regular reviews are performed to make sure you are always on the most competitive mortgage product to meet your requirements. When making a recommendation our mortgage advisers don't just choose the lowest interest rate available to you. They take into account additional factors, such as the probable movements in the Bank of England base rate, the impact of any fees charged and the flexibility for future borrowing with that lender.

read more › Whether you are looking to purchase your first buy to let property, or refinance your existing buy to let properties, the choices can be bewildering. Lending policy for buy to let mortgages has changed significantly in recent years and the way buy to lets are taxed has changed too. Our mortgage advisers have a wealth of experience in advising new landlords and those with extensive property portfolios. Unlike other mortgage advisers, we don't just view an investment property as a transactional approach.

read more › We treat every client as our only client and in this instance, we count your family as our clients too. We understand equity release is a big decision, not only for you but your family too. Our experienced mortgage advisers offer face-to face visits with you and your family to truly understand your equity release requirements and tailor a recommendation specific to your circumstances. Before arranging any equity release mortgage for you, our mortgage advisers will present you with a letter detailing our recommendation.

read more › Whether you wish to purchase a property for your business, buy some land or build your own home, our highly experienced advisers can offer strategic guidance and advice. We have established relationships with commercial finance houses and we work in consultation with you to provide a range of innovative and competitive commercial finance solutions. We take the time to understand your requirements and tailor a financial solution specific to your circumstances.

read more › Providing advice on suitable protection isn't about selecting the cheapest provider, which of course you can do, but more about understanding the peripheral factors that can make a considerable difference. Having identified and quantified your protection requirements, your adviser will then prepare a recommendation bespoke to your circumstances. In addition to price, which of course is important, your adviser will also take into account many other factors, such as comprehension of cover, claim statistics, trust requirements and so on.

read more › We know our clients' plans for the future. After all, it forms an integral part of our advice process as we advise our clients on the best way to get there. What we can't predict is what life is going to throw at them before. Death or a critical illness can have a catastrophic impact on a family's financial security. We take our responsibility of minimising this financial impact seriously and provide tailored advice on protecting our clients from the unexpected. Our clients Ben and Lydia talk about how critical illness cover helped them when Lydia was diagnosed with a critical illness.

read more › The impact of death is most seriously felt by the ones we leave behind and life insurance is about protecting those we love when we are no longer here. During such an upheaval, the financial consequences are hopefully those ones we shouldn't need to think about. Whether you wish to pay off your mortgage or want to ensure your children can go to university, our advisers will help you to identify how plans put in place today can help you safeguard your own and your family's future. In addition to ensuring you have an appropriate level of protection, your adviser will arrange suitable trust provisions if applicable.

read more › As a consequence of suffering a critical illness, individuals frequently face big changes in their lifestyle. Often an inability to earn the same salary as before the illness, and the potential requirement to pay for the necessary adaptations to your home can cause financial turmoil. We work hard with our clients to achieve their financial security. When a critical illness puts this at risk, we aim to ensure relevant protection policies are in place to mitigate the consequences and impact of the illness.

read more › However, for many, even a relatively short period of time without an income would cause financial difficulties. Income replacement plans are designed to provide you with an income should you be unable to work because of illness or injury. They are term plans, in that they will cover you for a specified number of years, and in the event of a qualifying claim the proceeds are paid until you are able to return to work. Our advisers will work closely with you to identify the effect not working would have on your finances and ensure any policy arranged, starts working when you stop.

read more › Whilst many businesses have their company assets insured, such as the premises and cars, many more forget that their greatest asset is their people. Our specialist advisers work in partnership with you to help protect the future of your business. Whether you are a key person, or you have an individual who your business is heavily reliant on, we can help protect you against the business loss in the event of their death or serious illness. Our business protection adviser, Steve Woodbridge, talks about why protection is so important for businesses of any size or nature.

read more › If you employ people, you will have employer's liability insurance to protect against the cost of providing compensation to an employee if they are injured at work. But have you protected yourself from the impact the loss of a key person would have on your business. A key person is an individual whose continued absence would affect the profit and the continuity of the business. This key person may be you, or it could be your most profitable sales person. Whoever it is, the loss of that person could have a devastating effect on your ability to continue running your business.

read more › The loss of a partner or co-director can have a major impact on the future of your business. Imagine that the shares of one of your co-directors ended up in the hands of someone you don't know, and who doesn't know your company. This is exactly what can happen if one of your co-directors becomes critically ill or dies. Ownership protection provides funds so that should one partner or co-director die, the remaining business owners may be able to afford to exercise an option to buy the deceased's interest in the business from his or her estate.

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