Mortgages

Buying a property is the largest single transaction in most people's lives. Arranging the mortgage can be a stressful and time consuming experience with many high street lender only prepared to see you in their premises during the normal working hours, probably when you are at work yourself. We will see you in your home, or at our offices, at a mutually convenient time, possibly in the evening or at the weekend.

Whether you are buying your first home, moving house, buying an investment property or wishing to review your current mortgage arrangements, there are thousands of different mortgage products available and our specialist research facility will help us target the right product with the right lender for your circumstances. Whether it is a fixed rate or a variable rate, a tracker rate or a capped rate we can assess your needs and recommend the right one for you.

We can also provide assistance in arranging finance for businesses, with access to many lenders, not only the usual High Street banks.

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

For mortgages you can choose how we are paid. Pay a fee, usually 0.5% of the loan amount (£500 on a mortgage of £100,000) or we can accept commission from the lender.

Protection

People often say to us “Why do we need protection?”

We say “because sometimes the worst happens!”

It is easy to think “it will never happen to me”, especially when we are feeling fit and healthy. But sometimes, without warning life throws the unthinkable at us. Finding out that you have an illness is devastating, but discovering that you don’t have the right insurance plan in place to help you get through it financially just doesn’t bear thinking about.

After discussing your personal and financial circumstances we will make a recommendation for protection needs and this may include one or several of the following:

Life cover – providing a lump sum or annual income in the event of death.

Critical Illness Cover – providing a lump sum or annual income in the event that you are diagnosed with a specified critical illness.

Income Protection – replacing a proportion of your income in the event that you are unable to work following an accident or as a result of ill health. Redundancy cover options are also available.

Private Medical Insurance – giving you the reassurance that you’ll get the treatment you need, when you need it, in hospitals that you choose.

Inheritance Tax Planning – to ensure that your children inherit your home should you choose.

Business Protection – to ensure that the business can continue to operate in the event of the death or ill heath of a key employee or shareholder.

Buildings and Contents Insurance – to ensure that you have the right cover for your home and contents.