OUR SERVICES
Finding the right deal for your circumstances.
MORTGAGES
A mortgage is likely to be the largest financial commitment you will ever make. With a wide variety of mortgages on the market today from first time buyers mortgages, buy-to-let mortgages, remortgaging, self-build properties, choosing the right one for your circumstances can feel like a daunting task. Our qualified mortgage advisers are here to make the process easier and guide you towards the right deal for you. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Most Buy to Let mortgages are not regulated by the Financial Conduct Authority.
LIFE INSURANCE
Life Insurance (sometimes known as Life Assurance) helps provide financial security for those who depend on you, like a partner or children, should you die. Life insurance can provide a financial safety net as well as peace of mind for your loved ones if you are no longer able to provide for them. Your family would usually get a lump sum helping them pay off any debts, like a mortgage, as well as giving them money to live off.
EQUITY RELEASE
We can unlock the value in your property and turn it into cash, as you continue to live in your home. You will need to take legal advice before releasing equity from your home as Lifetime Mortgages and Home Reversion plans are not right for everyone.
A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.
HOME INSURANCE
Your home is the result of years of hard work, a place with precious family memories and treasured possessions. Ensuring you have home insurance in place will provide you peace of mind that all is safe and secure, should the worst happen.
