Nathan Ind Financial Planning Limited

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Nathan Ind Financial Planning Limited

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We are a Financial Planning and Advice service based in Malmesbury, Wiltshire.

Headed up by Nathan Ind, we work primarily with individuals and businesses across Wiltshire, Gloucestershire, Bristol and surrounding areas.

01/10/2026

Did you know that payments you make into a retirement plan can be flexible?

Depending on the plan provider, contributions can be made by:
- Monthly direct debit
- Ad-hoc lump sums
- Or a mixture of both.

And as long as your contributions have been made before the end of the tax year, they can be used to reduce your tax bill.

If you need some help with retirement planning, please get in touch.
One of our friendly advisors will be more than happy to help: www.nathanind.co.uk

Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 18/09/2026

28/09/2026

What is an offset mortgage and could your savings help to reduce your mortgage interest?

An offset mortgage links your mortgage to a savings account, allowing your savings to reduce the amount of mortgage debt you pay interest on.

For example:

- £250,000 mortgage
- £25,000 linked savings
- You could pay mortgage interest on £225,000 rather than £250,000.

Key benefits:

• Reduce the interest you pay, your savings can work towards reducing your mortgage interest.

• Potentially pay your mortgage off sooner. Keep making your usual monthly payments and you could reduce the mortgage balance more quickly.

• Keep access to your savings, although doing so may increase the mortgage interest you pay.

• A potentially tax-efficient option, because you're not earning savings interest - you don't use your Personal Savings Allowance or pay tax on savings interest.

• Help your children onto the property ladder. Some lenders allow savings to be linked to a child's mortgage, which is a potential way for parents to help reduce their child's mortgage interest.

Offset mortgages are available with different interest rate options, including fixed, variable and tracker rates.

Speak to one of our friendly advisors to explore whether it could be right for your circumstances: www.nathanind.co.uk

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

Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 18/09/2026

24/09/2026

Our Financial Drop-In Session will return later this month 🍂

Olivia will be available to answer questions about the following topics:

- Investment planning
- Retirement planning
- Inheritance tax planning
- Protection planning
- Mortgage planning
- Tax planning

With any questions that you’d like to ask, please do pop in and say hello.

Next clinic:

Weds 30th September
⏲️9am - 5pm
📍Nook & Huddle, 44 High Street, Malmesbury.

Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 18/08/2026

22/09/2026

What is life cover and why might you need it?

Typically, life cover is taken out to clear a mortgage or other debt, in the event of death.

It can also be used to feed, clothe and pay the household bills.

Life cover can be a useful protection to have when you have children, or other dependants, who are reliant on your earnings.

We can’t predict what tomorrow may bring, but you can protect the things that you care about.

Choosing which specific types of insurance should be a priority, can be a tricky task.

If you would like to talk about protection cover for you and your family, please contact us.

One of our friendly advisors would love to help. Tel: 01666 824646.

Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 18/09/2026

17/09/2026

Olivia received this brilliant review recently.

We strive to make financial advice accessible for everyone.

Well done Olivia 👏🏼

15/09/2026

When it comes to choosing a mortgage, which type of deal could suit you?

Fixed rate mortgage:

If you want to know what your monthly payments will be, a fixed rate gives you that certainty for the agreed term, making it easier to budget.

However, the fee can be higher and early there may be repayment charges, which could limit your flexibility if your circumstances change.

Tracker mortgage:

A tracker rate moves in line with the Bank of England base rate. If the rate falls, your mortgage payments could fall too.

Trackers can also offer greater flexibility, with some having lower or no early repayment charges.

However, if interest rates rise - your payments could increase too.

So which is right for you?

Fixed for certainty, or tracker for flexibility?

The right choice depends on your circumstances, your plans and how comfortable you are with changes in your monthly payments.

If you’d like to talk through all your options, one of our friendly advisers would love to help.

Please get in touch with the office www.nathanind.co.uk

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

Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved: 02/09/2026

11/09/2026

What kind of future do you imagine for you and your family?

At Nathan Ind Financial Planning, our range of services and advice are built around one goal, and that's helping you to feel confident and in control of your finances.

Whether you're helping your loved ones to buy their first home, or working out what kind of retirement you want.

A detailed, personalised financial plan will help you achieve your lifegoals, and ambitions.

Your journey is unique, and so is our approach. We personalise your plan specifically for you.

Together, we’ll help you achieve the future you imagine.

SJP Approved 02/09/2026

08/09/2026

Does your retirement feel like a long way off?

Whether you're self-employed, employed, or simply want more control over your retirement savings, it’s never too early to start thinking about the future.

You have time on your side.

And the choices that you make with your finances today, can make a real difference to the life you want to create later on.

A personal retirement plan is one of the safest, most flexible options available when it comes to creating the future you imagine.

And your finances have the opportunity to grow over time, with the added benefit of tax relief on eligible contributions.

The value of investments can rise and fall. Positive returns are more likely if you invest for the long term, but this is not guaranteed and you could get back less than you invest.

If you'd like to talk through the options, we'd love to help.

Contact our office to chat to one of our friendly advisers - Tel: ☎️ 01666 842646

Nathan Ind Financial Planning Ltd is an Appointed Representative of and represents only St. James's Place Wealth Management plc, which is authorised and regulated by the Financial Conduct Authority.

SJP Approved 02/09/2026

03/09/2026

Did you know that you can set up a pension for a child?

Whilst only a parent or guardian can set up a pension for a child, anybody can contribute.

It can also help to mitigate any Inheritance Tax liability that you might have.

And with the power of compounding growth, even a small contribution such as £25.00 per month
has time to grow.

And like adult pensions, eligible contributions get a 20% boost from the government - something you
wouldn't get from a cash savings account.

If you'd like any further information on the topics we've discussed today, do feel free to call the
office. We'd love to help.

Taxation rules can change at any time and are dependant on individual circumstances.

Nathan Ind Financial Planning Limited is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct
Authority).

SJP Approved Date: 28/07/2026

31/08/2026

The team received this brilliant feedback from one of our clients:

"Professional yet empathetic. Patient and utterly trustworthy. Highly recommended."

At Nathan Ind Financial Planning, we are passionate about making financial advice accessible for everyone.

Address

Office 1 & 2 Potters Yard, 22 High Street
Malmesbury
SN169AU

Telephone

+441666824646

Website

http://www.nathanind.co.uk/

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