• Rachael Panteney

Self-employment brings both freedom and responsibility.

Though you have more control over your finances than when you are in a salaried position, there are many things you need to think about to make the most of your new status. Using a financial adviser could help you make the most of your money.

1. You may need help with a mortgage:

When you are self-employed it can be more difficult to get a mortgage, as lenders are sometimes nervous about the amount of money you have coming in. A financial adviser can help you navigate the maze of lenders, which have different criteria for lending to the self-employed, as well as ensuring you have the correct evidence in place to prove you are a good loan candidate.

2. Your pension is your responsibility:

When you are employed, you usually have an employer contributing to your pension. Many people do not even think about where their workplace pension is invested, leaving the employer to get on with it. But self-employed, you are responsible for your retirement planning and saving for your old age. A financial adviser can help you with a pension plan that makes the most of tax breaks and is invested in assets aligned with your own risk tolerance and financial goals.

3. Have a purpose in mind:

Self-employment has considerable rewards and challenges. To make the most of it you will need clear financial goals and to know how you will work towards them. Getting an expert in could make all the difference.

A qualified financial adviser could help you make the most appropriate decisions, taking into account the tax rules and your circumstances, as well as your retirement plans.

To find out more about how Willow Tree Financial Services can help you achieve your financial goals, call 01323 436680 or go to www.willowtree-fs.co.uk

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

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