Mortgages

Jargon free mortgage advice

There are thousands of mortgage products available for all sorts of circumstances but finding the right one is not an easy task. We can help you find the right mortgage for you. Find out more today.

The choice in the mortgages market can be confusing with so many products to choose from.  Your adviser will take the confusion out of mortgages and present the options clearly and simply, allowing you to make sense of the products available.

Your adviser will access professional mortgage sourcing software which is updated daily to bring you the latest deals from the whole of market, so if you are a first time buyer, homemover, remortgaging, sorting out your buy to let investments or need any other mortgage related help and advice then please don’t hesitate to click on the enquiry button below.

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

Need help? Give us a call or request help by sending us a message through our contact page.

Simply click on the Contact us tab to the right.

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Protection

Life cover, Critical illness cover & Income protection policies

Nobody likes to think of the worst or what could happen if things went wrong. But what would happen if you were unable to work, due to long term illness or disability?

How would you pay your mortgage or meet your other monthly commitments? How would your partner meet the monthly mortgage payments, in the event of your death or the diagnosis of you becoming critically ill?

These are things you really should be mindful of and failure to meet monthly mortgage repayments could result in mortgage lenders repossessing your home.

Need help? Give us a call or request help by sending us a message through our contact page.

Simply click on the Contact us tab to the right.

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Buy to Let

Financing your investment properties. Buying a property “to let” can be a potential minefield in today’s current climate. When buying a second property “to let” you will need to decide whether your primary objective is income or capital growth. You should be mindful that there are a number of tax issues with regards to owning properties “to let” in order to maximise your tax position. You can visit the ARLA website at www.arla.co.uk for further information on becoming a private landlord. A mortgage adviser will be able to provide a comprehensive mortgage sourcing service arranging buy to let mortgages for investors with a single property right through to the professional landlord with an extensive portfolio. The market has changed over the last 12 months with lending criteria tightening. This has placed some investors in an awkward position when remortgaging but a mortgage adviser can help in restructuring buy to let financing, allowing you to move forward and bring your investment under control. If you would like an informal chat about your buy to let property finance then please feel free to make an enquiry by clicking on the button below.

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

In general buy to let mortgages are not regulated by the Financial Conduct Authority.

Need help? Give us a call or request help by sending us a message through our contact page.

Simply click on the Contact us tab to the right.

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Life Insurance

Planning for the future to protect you and your family.

Life Insurance policies pay out a lump sum if you were to die or if you are diagnosed with a critical illness. A further policy can be added, which will pay out a monthly benefit should you be unable to work through accident or sickness.

Many people, at all stages of life can benefit from the peace of mind a Life/Critical Illness policy can bring. Your adviser will help you work out how much cover you need with your policy. In the event of your death, it may not just be a mortgage you want to have paid, you may want to leave your loved ones enough money to cover income you would have earned or pay for Universty fees etc.

Life/Critical illness policies have a few extra features which can be beneficial for you. It’s important you take advice when arranging a policy of this type so you can be assured you will have the level and type of cover which best suits your needs.

Need help? Give us a call or request help by sending us a message through our contact page.

Simply click on the Contact us tab to the right.

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