Vulnerability flags
“The mortgage payments are getting heavier with rates where they are. It's a stress.”
lowFinancial stressclient_sarah
Self-reported financial pressure around mortgage payments; not a vulnerability per FG21/1 today but flagged for monitoring on next review.
Extracted fields— focus a field to highlight its source in the transcript
j/k move · a accept · r reject · ⏎ apply
4 accepted, ready to apply
Transcript
Cli
Welcome back. Today's goal is to get the fact-find shape right before paraplanning.
Cli
Bit of a revision since we last spoke — our joint income's gone up to roughly £215k.
Cli
I just got promoted to consultant. Adjusted income is north of £200k now.
Cli
That'll push you into the tapered annual allowance band — we'll need to size that carefully.
Cli
We also want to max the LISA — first-home deposit topup at age 50.
Cli
And we're keeping the option open for Tom — private secondary school is on the table.
Cli
Oh, and we'd budget for a holiday home in five years — Cornwall or similar.
Cli
The mortgage payments are getting heavier with rates where they are. It's a stress.
Client email draft