Tony and Liz were clients in their early 70s. After experiencing a deterioration in their health and mobility, they wanted to ensure that they could retain their independence, dignity and financial security.

Tony and Liz had limited liquid assets available. Instead, we explored several options, including selling their property, moving to a retirement complex or remaining where they were. They didn’t want to sacrifice their quality of life and, whilst a legacy was desirable, this was of secondary importance.

It was agreed that the best option was to remain in their current home to retain access to their support network and friends. However, in order to future-proof their home, they needed to undertake several renovations to the layout, access points and outside space.

Without surplus income to fund the works, we arranged a lifetime mortgage with a lower initial debt, but a significant pre-agreed drawdown facility. This has allowed Tony and Liz to future-proof the property, but it has also given them access to pre-agreed additional funds should these be needed to provide care at home. As the interest is only charged on the monies drawn down, the accrual is relatively minor initially; helping to protect the legacy they leave to their children.

Tony and Liz are now feeling more confident about their ability to continue to enjoy their home, with the added security of knowing that additional funds are available should they need them.

As an organisation, we are Dementia Friends. Our team members have individually committed to learning and implementing patient and effective ways to work with clients who have dementia. You can learn more about Dementia Friends here.

What our clients say

This company has provided me with expert financial advice and support. Without them, I wouldn't enjoy the happy retirement I am now experiencing. I may also say that the whole process has been - dare I say it – fun!

Mandy, Cannes

A client since 2005

We have been extremely satisfied with the advice we have received from Higgins Fairbairn and would thoroughly recommend them.

Steve, Ascot

A client since 2006

A very sound business who knows what they are talking about and deliver advice succinctly with knowledge.

Dr A., Pinner

A client since 2003

Higgins Fairbairn really takes the time to understand our financial goals, put together a clear strategy while anticipating future requirements and reliably look after the whole process. All this in a knowledgeable and friendly manner.

Nikki, High Wycombe

A client since 2012

Gp has been very helpful in reviewing our finances and making great recommendations on investments and other financial matters. I would not hesitate to recommend him.

Mrs D, St Albans

A client since 2015

Higgins Fairbairn have been providing a quality service to me for many years. In all those years, I’ve never felt or needed to look elsewhere.

Robert, Stourbridge

A client since 2006

We have been with Higgins Fairbairn for over 30 years, during which our lives and circumstances have required professional financial advice which took account of our particular needs and wishes. This was always provided in a friendly, supportive and empathetic manner, which we have much appreciated and come to depend on. It has been a great benefit to have a company like Higgins Fairbairn, who are accessible and reliable, to look after many vital aspects of our affairs.

Mrs and Mrs F, London

Clients since 2006

My wife had very complicated pension arrangements which were sorted out with doggedness, patience and skill.

Arthur, London

A client since 2007

Decisions about retiring early were made easier after consultation with Mr Mantini. He answered all questions in a straightforward manner and inspired confidence in his knowledge of options available to me.

Ms A, London

A client since 2015

As a retired person, I appreciate the advice Higgins Fairbairn give me which fills me with confidence for the future and leaves me relaxed about my financial affairs.

Mr P, Barnet

A client since 2007

Higgins Fairbairn offers a personal and informed service to its clients in an environment of confidentiality and tailoring to the needs of the individual. Staff know their brief and execute it well.

Jane, London

A client since 2010

We have always found that Gp and his team have given us an excellent service and have gone to great lengths to understand our personal circumstances and needs.

Mr O, London

A client since 2008

Over the last 25 years, the Higgins Fairbairn team have always been there for me. They are outstanding in their knowledge and helpfulness.

Sue, London

A client since 2005