protecting your business

Are you a business owner who has built a successful business or is looking to grow their business until it is successful? Perhaps you have entrepreneurial flair and own multiple businesses or are an equitable partner in many?

Most business owners are not always aware of the specific business implications of death, critical illness or long term sickness to them, their families, business partners or certain employees in relation to their business.

• If you are a partner in a limited company do you realise that if you were to die your shareholding passes to your family not your business partners? Do you know someone in your immediate family who wants to work in your business if this were to happen? Would your business partners want your husband, wife, son or daughter taking
your place in their business?

• If you were to die or become critically ill could your business still operate profitably? – If not and you employed people at the time of either event and they are subsequently made redundant they can claim redundancy pay via
your estate.

• Do you have key personnel, Directors, Sales Managers, Production Managers etc., in your business who if they weren’t around would cause critical or severe damage to your ability to operate efficiently, affect profitability or both?

• Does any director of the company have a large director’s loan due to them which could be paid to his estate from current company funds, without impact, if called in.

By talking through these potential scenarios with our advisors at RA Mortgages, we can put in place strategies in the forms of Life, Critical Illness and Income protection for Shareholders, Key Persons and Directors Loans.

Some of these may be tax deductible from profits if set up in the appropriate discretionary trust, available to most directors of limited companies. (Clarification would need to be sought from the company accountant to ensure eligibility).

We can also put clients in touch with good solicitor partners who can draw up the appropriate shareholder agreements and cross option agreements to protect each other and families.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

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



contact us
Contact us today to speak to one of our expert mortgage advisors..

Call 01977 525 131
Email. info@ramortgages.co.uk


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Contact us today to obtain further advice and arrange a meeting with one of our expert advisors...


A fee will be payable of £995 for mortgages up to £500,000, £1,500 for mortgages between £500,001 and £1,000,000 and £2000 is payable for mortgages over £1,000,000.

RA Mortgages is a trading style of Simpli Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority, 726327. Simpli Financial Solutions Limited registered address is Business & Innovation Centre, Wearside, Sunderland, SR5 1RW.

Buy to Let, most Let to Buy, Overseas Mortgages & Commercial Mortgages are not regulated by the Financial Conduct Authority