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Welcome to H & L Balen & Co
Specialist Insurance Brokers

Established in 1950 , H & L Balen are an ethical firm and have grown considerably since then as a result of our reputation and by recommendation. H & L B handle Financial Services, Mortgages and Business Loans, provide consultancy services and financial education to Groups. We are the sister Company of Balens Ltd which transacts a comprehensive range of Insurances. Read More

Independent Financial Advice

Independent" means that we are not tied to any one Insurer, which means that we work for you, not the insurance companies. "Advice" means that we don't just look to the present, we try to help you plan for the future and guide you through the minefield that can be Financial Services!

We offer a friendly, personal service and tailor our recommendations to your specific needs,
We will never try to sell you products or services you don't need- we are an ethical business.
Independent Financial Advice with Integrity- we are not driven by commission incentives
Option of Fee Based remuneration or commission based
Confidential Independent Financial Advice is available, using advanced research software.
Revisions and reports undertaken on your existing arrangements.
Income protection schemes
Life Assurance and Critical Illness Protection Schemes
Pensions including Stakeholder arrangements
Employee Benefit Packages.
ISAs Unit Trusts and other investment ideas
Financial lifestyle in retirement advice

Mortgages

Our Mortgage department sources commercial as well as residential loans from across a broad range of providers. Speak to Roger Bates about this for more information. Roger was for many years a Senior Bank Manager with Lloyds Bank and has a wealth of experience in money matters at your service.

Our Mortgage Desk enables us to explore the whole market place to find the most suitable deals for you (including those who work from home).
We do not steer towards a provider based on fees we earn - we are independant and work for you
A re-mortgage, incorporating other debts might save you money!
Complete packages to include Buildings and income protection and / or life insurance can be devised if required

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House Prices

As at	Feb/12
Avg.	£160118
Index	-0.50%
Src: Nationwide Building Society
Detail...

Bank Base Rate

As at	Feb/12
Rate	0.50%
Src: Bank of Eng.
Detail...

Retail Prices

As at	Feb/12
Index	3.70%
Src: HM Treasury
Detail...

This Internet site is directed to UK residents only. You are responsible for satisfying yourself that under the laws of your home jurisdiction you may lawfully access this Internet site.

Please ensure you read our User Terms, Client Agreement and Privacy statement.

http://www.fsa.gov.uk/consumer/keyfacts/index.html

H & L Balen is authorised and regulated by The Financial Services Authority. The Financial Services Authority does not regulate Personal Finance, Taxation and Trust Advice, Will writing, Offshore Investments and some aspects of Commercial and Buy to let mortgages.

The tax reliefs referred to throughout this Internet site are those currently applying in the United Kingdom to UK Tax Residents. These tax reliefs are liable to change. The value of any tax relief available will depend upon the individual circumstances of the taxpayer.

Website last changed: 22/02/2012