Buying a house
Buy to Let
We have enjoyed a long-standing association with Police officers since 1990, providing financial planning assistance and advice to officers and staff throughout their service and ongoing in their retirement.
Many officers seek our advice on an individual basis. This often includes obtaining a mortgage, re-mortgaging, constructing a financial plan, helping with existing finances, planning for retirement or adapting to life after retirement.
Charles Royle and Company will provide help and advice on the following:
This will benefit officers who are within two years of their anticipated retirement date and wish to have a structured plan in place when they retire from the force by way of an individual consultation during which we will discuss your police pension and personal finances.
Please contact us to arrange a visit to our office or a location near to you. Please check this web page regularly for updates.
We shall be running our two day Pre-Retirement planning course in association with Devon & Cornwall Police Federation at Middlemoor on 10th and 11th October 2019.
We shall also be running further courses in 2020 at Middlemoor on the 23rd & 24th January, 26th & 27th March and the 8th & 9th October.
Please contact your local Police Federation representative for more information.
Mid Service courses will be running on the 30th September at Bodmin station, 2nd October at Crownhill station and 23rd October at Torquay station.
Please check this web page for updates and further planned dates.
We met Mr R a few months prior to his retirement to have a structured discussion on his future plans.
Upon retirement we reviewed and advised on how to utilise his pensions and investments in a way to provide income flexibility and peace of mind securing the retirement he wanted.
Mr D was due to retire shortly and planned to use some of his lump sum to reduce his current mortgage. A fixed rate was unsuitable as he would not be able to make a lump sum payment as he wished and if left unchanged the mortgage payments would increase by £190 per month.
We re-mortgaged to a new lender offering a variable product without any early repayment charges. This enabled him to pay a lump sum off his mortgage when he retired saving him over £1,000 and securing a new fixed rate into retirement.