Mortgages
New Purchase
We deal with a large panel of lenders the lenders and will endeavour to find you the best rate possible and follow the process through to finish.
1st Time Buyer
There are some great deals available for 1st time buyers where multiple of income is important and 100% mortgages are also available (subject to status).
Remortgage
By changing lenders you may be able to get better interest rates or terms. As we have access to a large panel of lenders, our aim will be to arrange you a suitable loan with a lower interest rate than your current mortgage.
Buy 2 Let
We deal with a wide range of lenders who can help landlords whether they have one property or a portfolio. Not regulated by the Financial Services Authority.
Self-employed
This is a specialised area where it is sometimes difficult to show evidence of income. The overall cost for comparison is 9.1% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.
Commercial Mortgages
We deal with specialist lenders to secure borrowings of business premises. Not regulated by the Financial Services Authority.
Secured Loans
Larger or longer terms loans are available secured against your property. Not regulated by the Financial Services Authority.
Overseas Properties
We can advise on borrowing made in the UK or abroad for a purchase of a overseas property. Changes in the exchange rate may increase the sterling equivalent on your debt.
Protection
Life Cover
Life assurance for one or both lives to cover the mortgage/debt in the event of death.
Critical Illness Cover
Provides you with a lump sum if you are diagnosed with one of many illnesses to pay off the mortgage. Some illnesses are not included but we will discuss this with you before we make a recommendation.
Buildings Insurance
Insurance for the structure of the property.
Contents Insurance
Usually covers all household goods & furniture. Damage & theft cover are important elements also to consider. You should read your policy to check what is covered under the basic contents insurance cover.
Income Protection
Should you be unable to work through illness or accident this provides a proportion of your salary. There are limits to the amount of cover you can arrange usually 65% of your gross salary. Pre-existing medical conditions may be excluded.
Unemployment Cover
Short-term cover should you be made unemployed to cover debt out-goings.
Landlord Insurance
Once a landlord has bought an investment property it is necessary to ensure that the right cover is in place for buildings, contents and liability.