Discussing your assets and financial plans
A question about your assets starts with what you want to achieve with your money, when you need it and which risks you can bear. First discuss your question and the appropriate services.
What do you want to achieve?
Describe your goal before looking at a product. Do you want to keep money available for a home, a future expense or a reserve? Your time horizon and need for readily available money make a difference. Your household's commitments and uncertainties also belong in the overview. Consider your financial circumstances as a whole, rather than only an expected final amount.
Access and risk
Money you need soon calls for a different decision from money for a longer-term goal. Make clear which part you want to retain as a buffer and what a setback would mean. An expected return is not a certainty. This page does not promise a return, recommend a product or provide a personal allocation of your funds.
Define the services required
Discuss your goal with RFD and read the Building wealth service comparison card. We discuss whether your question falls within our services and agree the work, information required and costs in advance. A question about assets can concern different subjects; when deciding, check which services and product terms apply to you.
A rental property as a specific subject
Considering finance for a home to rent out? A buy-to-let mortgage requires a separate assessment. A property brings different risks and commitments from freely available cash. Rental income, vacancy, maintenance and terms deserve their own assessment. Financing also does not confirm that a letting plan is legally or fiscally feasible.
Considering renting out a home? Read our explanation of a buy-to-let mortgage.
Preparing for your meeting
Bring a general overview of your goal, time horizon, funds and existing commitments. You do not need to share bank statements or confidential financial documents through this website. We agree which information is needed and how you can submit it securely. Read the service comparison card for information about the services it describes; the card is not individual product advice.
Services and comparison documents
The service comparison document describes our financial services and the stated costs. We agree the services and costs for your enquiry with you personally.
Frequently asked questions
Does this page advise me to invest?
No. The page helps you formulate your question. Whether a subject falls within our services and what personal advice is needed are discussed first.
Is a particular return promised?
No return or final amount is guaranteed. Potential choices must be considered alongside your goal, available funds and risks.
Can I ask about a rental property?
Yes. See the existing buy-to-let mortgage page and discuss your financing question. The conversation does not confirm an offer, acceptance or legal and tax outcome.
What should I bring to a first meeting?
The outline of your goal, time horizon, available funds and commitments is a starting point. Submit confidential documents only through the secure method agreed with us.
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What would you like to discuss?
Have a question about your mortgage, insurance or finance? We are happy to help.