About Us

We are Independent Financial Advisers, and as such can offer you unbiased financial and mortgage advice from the marketplace as a whole

Based in Bangor, County Down we are able to provide consultations at our prestigious office, in the comfort of your home or place of work. The majority of our clients reside throughout Northern Ireland and in some instances further afield. Using technology we can provide services throughout the whole of the UK.

We pride ourselves in giving unbiased honest advice.

Whether you are looking for advice in a specific area, or a full financial review, we are in an excellent position to help you. Whatever your goals we are happy to accommodate!

~ VISIONS, AIMS & VALUES ~

Our Vision – What we want to be.

“To be acknowledged as the Premier Independent Financial Adviser in Northern Ireland.”

Our Aim – Where we want to be.

We aspire to be the Leading Independent Mortgage and Investment Adviser by choice, by consistently providing clients with unmatched expertise, superior service and innovative solutions.

Our Values – What we believe

Value 1: We satisfy our Clients

Our Clients are what make our business successful, they are our first priority.

If we don’t take care of the client – someone else will.

We will always keep our promise and we will follow up to ensure that our clients are satisfied with our response.

To have EVERY client as a satisfied client.

Value 2: We act with integrity

In all our dealings with clients, colleagues and fellow Professionals, we will behave with integrity, openness and above all else, we will be Honest.

We expect to be held accountable for what we do, or do not do.

Value 3: We will protect our INDEPENDENCE

We will fiercely guard our INDEPENDENCE.

We are, and will remain, a role model for Independent Financial Advice.

We will maintain our superior reputation by living our Values and never act in a way to bring our Company into disrepute.

Value 4: We will respect our team

We trust and empower individuals to get on with their job.

We expect to give and receive respect and trust in our relationships with each other.

Enthusiastic people with good ideas will be nurtured and celebrated.

We will encourage creative behaviour – failing intelligently is acceptable.

We will respond to requests from colleagues as if they were from clients.

Value 5: We will pursue excellence

Any poor performance will be managed out and never ignored.

We will learn from everything we do and pursue excellence.

We will find ways to do it, rather than reasons not to do it.

We will actively seek feedback and continually improve all that we do.

We will offer a client the level of service they expect . . . . . . . and more.

Treating Customers Fairly (TCF)

As a Practice we our totally committed to Treating Customers Fairly (TCF).

The aim of TCF is to encourage a change in behaviour of Firms to deliver improved outcomes for consumers so they are confident that they will receive fair treatment, no matter who they do business with.

It is our aim that 'Consumers can be confident that they are dealing with a firm where the Fair Treatment of Customers is central to our Corporate Culture'.

Our Practice is focused on delivering the six TCF consumer outcomes:

1 Consumers can be confident that they are dealing with firms where the fair treatment of customers is central to the corporate culture.

2 Products and services marketed and sold in the retail market are designed to meet the needs of identified consumer groups and are targeted accordingly.

3 Consumers are provided with clear information and kept appropriately informed before, during, and after the point of sale.

4 Where consumers receive advice, the advice is suitable and takes account of their circumstances.

5 Consumers are provided with products that perform as firms have led them to expect, and the associated service is both of an acceptable standard and also as they have been led to expect.

6 Consumers do not face unreasonable post-sale barriers imposed by firms to change product, switch provider, submit a claim or make a complaint.

Perfection IS our Goal – Excellence will be Tolerated.

EXTRACT FROM RECENT NEWSPAPER ARTICLE

THE Bangor based firm of Independent Mortgage and Investment Advisors has built up an unrivalled reputation over the past two decades in terms of its expertise in the sphere of financial services ranging from the provision of mortgages to world wide investments.

Under the leadership of the company Principal, Michael Rushe, the company headquarters in the busy County Down town now provides a solid foundation of INDEPENDENT advice for a wide ranging client base.

It has as the cornerstone of those foundations the determination of the firm, under the leadership and example of Michael Rushe, a refusal to accept anything less than the best possible deal for the customer.

It is a company attitude that has been cemented by seeing its adherence to the most stringent professional principles at all times not allowing itself to be divorced from providing continual reassurance and friendship to its clients

The result has been the development of the company into one of the leading players in the Northern Ireland financial services field but equally one that has never forgotten that the seeds of its phenomenal success are firmly rooted in the needs of the community, in all its diverse strands.

That combination of professionalism with a smiling face has resulted in the expansion of a client base that knows no barriers in being able to access the expertise of the company’s staff.

Once a potential client steps over the office threshold that individual can be confident that the accumulated talent and professionalism of Independent Mortgage and Investment Advisors is prepared to work on behalf of the customer.

The welcome is as warm as it is genuine. If at the end of the initial consultation process it is found that the advice on offer does not meet the requirements of an individual customer, for whatever reason, the door is never closed.

Every avenue will be explored and every possible source of additional advice will be checked and analysed in order to ensure that, if at all possible, the requirements of the customer can eventually be met.

There is absolutely no distinction drawn between the requirements of any client other than being able to tailor the respective financial package to meet individual needs.

The same level of total commitment is provided for a client who may wish to purchase a Housing Executive home in order to gain access to the private property sector as to an individual who perhaps wants to invest a substantial financial sum as part of an international retail development.

The continuing growth of the overseas private property market, both in the established European sales destinations of Spain and France and in the rapidly expanding former Communist bloc counties such as Bulgaria and Romania has brought a fresh dimension, and with it new financial challenges.

Again however the same principles of attention to detail in every aspect of the legal and financial requirements of investing in overseas property is one that Independent Mortgage and Investment Advisors has been able to display to the satisfaction of its rapidly increasing European financial sales structure.

Michael Rushe describes the company philosophy as being one that recognises the importance of every financial transaction – and the paramount need to treat every financial transaction as being the most important undertaking for the person involved.

“We recognise that a very special bond of trust has been placed in us as a group of people, not just as a company operating in the environment of high finance.

“We regard our clients, all our clients, as depending on the staff of Independent Mortgage and Investment Advisors to give the best possible advice in order to protect their investments.

“In the context of the professional standards we pride ourselves on delivering. It does not matter at what level the investment advice is designed for.

“The one thing that we stress from the outset is that the advice is fair, objective and above everything else totally INDEPENDENT. It is only by adhering strictly to the regulatory code of the financial service profession that we are prepared to operate.

“The standards are already high in terms of the industry. However every member of staff working as part of the team at Independent Mortgage and Investment Advisors is committed to continually seeking ways of improving standards.

“We have set an extremely high bar in relation to those standards. We want however to cope on a daily basis with the challenge of setting the bar even higher when it comes to the protection criteria of our client’s interests,” Michael explained.

The key word, the core dynamic, in the Mission Statement of Independent Mortgage and Investment Advisors is INDEPENDENT.

The company is totally objective in the pursuit of the best possible deal for the customer.

If that means confronting and questioning and challenging on behalf of a customer in a rational and reasoned way the operational methods of either Government or financial institutions then it will be carried out at all levels.

Once a question is asked an answer is always eventually extracted, no matter how embarrassing or difficult it may prove to be for the corporate body involved.

The provision of INDEPENDENT ADVICE is central to every aspect of the professional advice service provided by Michael Rushe and his 14 strong team.

Everything else is secondary.

It is that team ethic, fostered by the fundamental twin elements of INTEGRITY and INDEPENDENCE, that has sustained the continued expansion of Independent Mortgage and Investment Advisors over the past 20 years.

And it has underlined in graphic detail that the provision of complex financial services advice in an uncomplicated and friendly fashion can be delivered on the basis of the bedrock values of Independent Mortgage and Investment Advisors.

Being INDEPENDENT allows us to work on YOUR BEHALF!!

Our flexible approach allows us to provide face to face consultations, conduct business by post or via the worldwide web.

We provide advice on investments, mortgages, protection, pensions and inheritance tax planning

Your home may be repossessed if you do not keep up repayments on your mortgage.

For Mortgages we can be paid by Commission or a Fee or a combination of both. If paying by Fee this is charged at an hourly rate of £120.00. For example it typically takes us 10 hours to complete the advice, recommendation process, administration and preparation of a Mortgage, therefore the Fee would be £1,200.00. As an alternative we will charge a minimum of 1% of the loan, whichever is greater. This Fee note & or Commission, is in addition to any marketing allowance we may receive from the product provider we recommend to you.

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