Mortgage and Protection Planning

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

Buying a property is widely known as being one of lifes most stressful events.  In addition to this, finding the right mortgage can be extremely daunting and time consuming.  Especially if your situation isn’t deemed by a lender to be ‘straightforward’.

For many years we have guided our clients through the mortgage maze, simplifying complex situations and most importantly enabling our clients to secure their desired home.

We aim to provide a comprehensive mortgage advice service which can free up crucial time to allow you to focus on the more enjoyable parts of moving house or acquiring additional properties.  Thus, giving you peace of mind that things will keep on moving through to completion.

The key mortgage planning areas we help our clients with are:

  • Main residential mortgages
  • Buy to Let mortgages
  • Self Build projects
  • Commercial Finance – by referral only

Buy to let mortgages and Commercial mortgages are not regulated by the Financial Conduct Authority.

We also understand that securing your desired home is just the first step in your wider financial picture.  The next most important piece of the jigsaw is ensuring that you and your family can remain in your home in the unfortunate event of ill health, redundancy or death.

The key protection areas we help our clients with are:

  • Life insurance
    • How can I minimise the financial impact on my family in the event of my death?
  • Critical illness cover
    • How can I minimise the financial impact on myself and my family in the event of diagnosis of a critical illness?
  • Income Protection
    • How can I replace my income in the event of being unable to do my job?
  • Redundancy Cover
    • What happens to me financially if I get made redundant?

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

 

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