Rhian Hastey – 1986-08-05

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Client Details

Client's Email Address: rhian.hastey@hcacademytrust.education
Client's Telephone Number: 07942610094
Where did the client hear about us?: Your place of work
Where did you hear about us, other?: HCAT
Fact Find Video Views: 20/01/2021 12:27:14 pm
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Personal (step 1)

What are your questions or concerns about your financial future?
Do you have any dreams for the future which you might need to plan for?:
Have a mortgage covering a house that I rent out to a tenant while I'm back living with a parent. Goal is to, as soon as possible, get myself in to a position where I can buy a second house as my own home.
What is your first name?: Rhian
What is your surname?: Hastey
What is your date of birth?: 05/08/1986
Do you have a partner?: no
Do you have any financial dependants?: no

Assets & Liabilities (step 2)

Do you have any savings or investments?: yes
How much do you have in cash based accounts?: 6000
Are you saving into your cash based accounts regularly?: no
How much do you have in investment based accounts?: 0
Are you saving into your investment based accounts regularly?: no
Do you have a partner?: no
At what age would you like to retire?: 60
Do you have any pensions savings other than your current employer scheme?: no
Do you own your own home?: yes
What is the value of your home?: 150000
Do you have a mortgage on this property?: yes
What type of mortgage do you have?: capital_repayment
What is the outstanding amount?: 60000
How long is left on the mortgage?: 35
What are your monthly repayments?: 217
What is the interest rate?: 1.99
Do you have any other mortgages?: no
Do you have any loans, including credit cards or car finance?: no
Please tell us details (what it is and estimated value) of any other assets you have that you think may be of value?: The mortgage I have on the house I own is still a capital & repayment but with a permission to let agreement acquired. £217 per month mortgage - receiving £550 per month in rent.
Do you have any protection policies other than the provision provided by your employer (if applicable)?: no

Income (step 3)

Which of the following do you have?: employment
What is your annual salary?: 38500
How many months would you continue to be paid by your employer in the event of accident or sickness?: 6
Would this be full or reduced pay?: reduced
What % of your full pay would you receive?: 75
What Death in Service benefits do you have as a multiple of salary?: 0x
Are you a member of your company pension scheme?: yes
Which type of company pension do you have?: db
Expected retirement benefit - lump sum: 0
Expected retirement benefit - annual income: 28674
Do you have a partner?: no
Do you have any other sources of income?: yes
Income Source Annual Income
rent 6600

Expenditure (step 4)

Do you have a partner?: no
Do you want to fill out a detailed expenditure questionnaire or would you prefer to put in a total monthly figure?: total
What is your total monthly expenditure?: 500
How much money do you have left at the end of the month?: 1500
Is there anything else you would like to tell us, or any other questions you would like to have answered?: Having been on a career break for most of the last 18months, alot of this is partially predicted. As I have also recently returned and am now living with a parent and renting out my own home.

Fact Find Steps

Current Step: 5
Fact Find Completed Date: 15/01/2021 09:04:43 am
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Employee Video Code

Current code: HCAT

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