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Not only do you need to consider which mortgage is best for you, you also need to think about which interest rate options are most likely to suit your needs. The cost of insurance, particularly life insurance has fallen over recent years, whilst the quality of cover has in many cases increased. We at Blue Stream financial are focused on providing bespoke solutions to cater for the individual needs of our clients.

We utilise our experience within the financial service industry in order to help you meet your financial objectives. We are based in Edgware and are happy to conduct meetings at convenient locations subject to geographical proximity to our office. We have many clients based locally in Edgware, Mill Hill, Stanmore, Watford, Colindale, Borehamwood, Barnet, Hendon, Golders Green and the surrounding areas.
Highlights

read more › A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The financial services industry regulator, the Financial Conduct Authority (FCA), has set out a new set of rules for mortgage advisers, and lenders, to improve the process of getting a mortgage.

read more › Life and Protection Insurance policies can protect you and your family from the financial consequences of death, a serious accident or illness, or unemployment. Far from being a luxury, Protection Insurance should be considered essential, especially if you have a family or people that rely on your income. Life Insurance (sometimes known as Life Assurance) helps provide financial security for people who depend on you, should you die. This type of cover can pay out a (tax-free) lump sum on the diagnosis of certain life-threatening or debilitating illnesses, or if you have to undergo certain types of surgery.

read more › Also known as 'key man insurance', this can compensate a business for financial losses arising from the death, or extended incapacity, of a specified employee or director. This can provide a business partnership with the funds to 'buy out' or compensate the deceased's dependants, should a business partner die. A Relevant Life Plan is a death-in-service benefit taken out by a company on behalf of an employee. In the interests of financial security, business stability and continuity, it is essential to provide a safety net following the loss of a shareholder.

read more › This section contains miscellaneous & general financial information that you may find useful when dealing with certain life events. This document contains a short explanation of Capital Gains Tax, the allowances available in the 2021/22 tax year, and how you can use it in your year end tax planning. Civil partnerships in the United Kingdom, granted under the Civil Partnership Act 2004, allow same-sex couples to obtain essentially the same rights and responsibilities as marriage. Designed to be very much equivalent to marriage for same sex couples, a civil partnership carries both rights and responsibilities, in very broad terms, attracting the same legal and tax protections/advantages/disadvantages as a traditional marriage.

read more › It's important to ensure you put the right insurance in place to protect your home, its contents and your overall financial security. Global investors have been paying more and more attention to Evergrande, the sprawling Chinese real estate business on the brink. They're increasingly worried about what they see.

read more › We've provided a selection of useful calculators below. Please note that whilst the calculators are accurate, they perform generic calculations that do not take into account your individual circumstances. They should be used as a guide only and not relied upon. Please also note we do not store or see any of the information you input to these calculators. Use this calculator to determine if there might be a shortfall in your pension fund when you retire. Calculate your mortgage repayments on a given mortgage amount for a specified interest rate.

read more › As part of our commitment to treating our customers fairly, we would welcome your feed back on our products and services. Please take a moment to complete our Client Satisfaction Questionnaire which will be used to evaluate and improve the services we provide. Please rate the thoroughness with which your Adviser went about the process of obtaining sufficient information regarding your personal and financial circumstances prior to making a recommendation regarding this transaction?. Do you feel that you and your Adviser fully discussed your understanding of Investment Risk and that your recorded attitude to risk matches the product you have chosen?.

read more › The Openwork Partnership is one of UK's largest and longest-established financial advice and investment companies. Every firm is individual and distinct, yet we share values and standards with each other - for the benefit of our clients. Fully research the financial products available and work with product providers to secure the best solutions for our clients. We are proud of the personal difference we can make helping our clients and their families look forward to a better future with confidence and optimism.

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