Lows Orkney offer a full range of financial services alongside our existing legal and property services.

We have installed the very latest in Information Technology to enable an up to the minute service, completely independent of any insurance companies or networks, and to provide almost instant quotations on the product most suitable for you.

Bob Walker, our Independent Financial Adviser, is available to see you in one of our offices, or to visit your home at a suitable time. Legal and financial advice will very often go hand in hand and we can offer the benefit of providing both services under one roof. Joint appointments with your solicitor or accountant can easily be arranged to suit.

We offer a free initial consultation to clients and we are equally happy to work either on a fee basis or on a commission basis. We will provide further information on this at our initial meeting.

Mortgages - We can provide fully independent mortgage advice. We use computer software to search the whole marketplace when finding the most suitable mortgage for you, and offer impartial advice and a recommendation as to the mortgage we feel best suits your needs. You can discuss mortgages face to face, in our offices or in your own home.

Investments - If you have a lump sum or a regular premium to invest we can give independent advice on:

• ISAs
• Investment Bonds
• Offshore Investment
• Inheritance Tax Planning*
• Annuities
• Pensions - we offer straight-forward advice on:
  • Stakeholder and Personal Pension Schemes
  • Group Pension Schemes
  • Executive Pensions
  • Freestanding AVCs

It is vital to consider your pension arrangements now as there were change in pensions legislation from 6th April 2006 which affect everyone planning for their retirement.

Protection - Whether you are looking to protect your family, your business or your estate from the taxman we can give you sound, impartial advice on the most appropriate solution for you.

To arrange a suitable appointment or to request further information please phone Elaine Thomson, our Financial Services Administrator, on 01856 873151. Alternatively, you can email Elaine on elainet@lowsorkney.co.uk.

Lows are authorised and regulated by the Financial Services Authority. Your home may be repossessed if you do not keep up repayments on your mortgage. *Inheritance Tax Planning is not regulated by the Financial Services Authority.