AcFin - Friendly Finance &Care
Products

We carry a wide range of products to suit a variety of budgets and tastes. Some of our most popular products are described below. Please call or fill in the contact us form for more information on products, current promotions and customer options.


                           
Seniors Capital Equity Release
Seniors Capital Equity Release
Equity release or a lifetime mortgage as it's sometimes known is a popular way to raise money from the equity on your house up to 50% of the house value, with a no negative equity guarantee, no need to leave home,it still belongs to you as long as you wish,there is no lose of ownership.
No monthly payments ever.
If then you decide to sell the property later, the remaining outstanding equity at the time belongs to you or your estate in the event of the owner passing away.

What can I use the money released for?
Any purpose, there are no restrictions.
typical examples
* Home improvements
* A once in a lifetime dream holiday
* Special family events-Wedding 
* Draw an income 
* Investments

UK pensions have traditionally had many restrictions.The good news for those of us now living abroad is that many of these restrictions can easily be avoided.
This can be achieved by transferring your UK pension rights to a
Qualifying Recognised Overseas Pension Scheme (QROPS)
The key differences between a UK pension and a Qrops are detailed below.
The key benefits of a Qrops are enjoyed if you have been a non resident in the UK for a period of 5 full tax years.But for some an element of benefit can be immediate,e.g. the payment of pension without deduction of tax at source and a beneficial tax treatment of that income for residents of Spain and Portugal to name but two.

Flexibility and potential benefits are the overwhelming reasons to transfer to a QROPS


release or unlock your UK private or occupational pension trax free in Spain
Spain wealth management qrops taking benefits 

QROPS by acfin financial services, see website www.acfin.co.uk
* Ability to leave pension fund to beneficiaries.
*Investment freedom, a greater choice of where and what your pension is invested into.
* Under certain circumstances a higher percentage of a tax free lump sum can be taken.

* No requirement to purchase an annuity or an alternatively secured pension at 75.
* No lifetime allowance.
* On the death of the owner of the Qrops pension, unlike an annuity,the Qrops funds are not lost, they pass onto the estate/beneficiaries.

Taking Benefits.
* There is flexibility in timing of taking benefits from a QROPS.
* In most instances benefit can be taken at any time after the ages of 55,
but it can be possible to access funds before this age.


Summary.
Her Majesty's Revenue and Customs (HRMC) permit UK pensions rights to be transferred to a QROPS.
Take full advantage of this service before it is too late,once you have taken your UK maximum 25% tax free lump sum pension and annuity payments you disqualify yourself for all the benefits of a QROPS.


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Secured personal loans for the home owner in Spain.EuCredit although based in Spain are financed from the UK,
We are the only Company presently offering loans from €5,000 to €25,000 for any purpose.

We can provide a loan decision in principle within 36 hours and generally repayment terms are between 5-10 years at rates below what the banks charge for personal loans and well below credit card charges...
a great way to review all your credit and monthly payments into one lower monthly payment or use for any other purchases like a New Car, New Kitchen, or any home improvements etc.
it is yours to do whatever you want to improve your lifesyle here in Spain.




We can assist many Expat businesses by offering a business partnership which enables you, our business partner,
the opportunity of offering credit to your customers for the traditional purchases of Automobiles, Marine, Furniture, Garden or Pool design, Landscaping,
Home Improvements, Education, Medical sectors and many others, the list of opportunities is endless.

If you have a business and would like to offer a speedy and reliable credit facility to your clients, make that extra sale that you would not normally achieve, then please contact us.

Our Busness development manager, will be happy to call on you to arrange an AcFin/Eucredit Business Partners Account.

The business partnership procedure is simple, free of any charges to the business partner. We do all the processing and aftercare with the client, you just sell your product using a credit offer on a scale of €5,000 up to €25,000 over 5 years or 10 years as per the personal loans rate card.

The client will receive an offer within 3 hours to a couple of days (weekends) your client receives the credit for the product they wish to purchase from you and you our business partner make a sale, have a happy customer who will be glad to tell friends and family what a great service you provide.



If you have any questions on any of our services,
please fill in the Contact Us form click send 



Ask for application forms for Personal loans,
Business partnerships and client loans, Equity release and Qrops UK pension release on the Contact us page.


            
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