Whether you are looking to buy your first home and would like the whole process explaining and have a long list of questions, or are an experienced property owner looking to remortgage or make your next purchase, we will take the time to look at your circumstances, give as much advice and help as you want, and aim to help you through the whole process.
Buy to Let mortgages - We look after all clients, from those looking to sort out their first investment property purchase, to those who have inherited property and want to rent it out, to those with large portfolios of property who want to refinance to improve their mortgage products, or borrow against them to expand their portfolio.
Commercial Mortgages – If you are looking for funds to purchase premises for your business, or to purchase an existing business, or seeking funding to start or grow your business, we aim to help you review the options available to you.
For mortgage lending we are qualified advisors and have access to high street names you will be familiar with, through to some you will possibly not heard of, and then specialist lenders who will only deal with independent advisors.
We will work hard to try and find you the option that is most suitable for your needs, whether it’s complex income, adverse credit, small deposits, older age, or a combination of all of these, we will do the research and give you honest advice as to what your options are.
Equity Release Mortgages
Your home is normally your biggest asset. As we get older and head towards retirement, our income tends to reduce and the equity in our homes increases. Releasing Equity from your home is a way of raising money against your home for whatever you need it for, such as repairs or alterations to the property, to helping family, to personal spending. The interest payments can be made monthly, or can be rolled up to free up more of your monthly income. It is a specialised area of finance which lenders require clients to receive advice and an area which we are qualified to give this advice for Lifetime Mortgages only.
For Equity Release there are two options The first is a Lifetime Mortgage where you borrow money against your home but retain ownership of the property . The second option is a Home Reversion Scheme. This is where you sell part or all of your property in exchange for a lump sum, but continue to live in your home as a tenant, paying no rent. Interest is charged on the borrowing.
Please be aware that by taking equity from your property in this way could potentially affect benefits you receive, and reduce the potential amount from your estate to be left to beneficiaries. We do deal with providers that have an inheritance guarantee which means that there will be a minimum percentage of the value of the estate that can be left to beneficiaries, if this is something that would be useful to you. We also have providers that allow regular payments or lump sum payments on lifetime mortgages. Please contact us and we will be happy to discuss your requirements to see how we can help.
A Lifetime mortgage is secured against your home.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.
The Financial Conduct Authority does not regulate Commercial Buy to Let's and some forms of Commercial Finance and Development Finance
We recommend that you have buildings and contents insurance in place for your home so that you are protected from things such as fire and theft, and damage to the building or your belongings. You can have basic cover or increase this to include accidental cover. Examples of where accidental damage might be applicable are drilling through a water pipe or spilling paint on a carpet.
If you have any questions about household insurance please contact us and we will be happy to help.
Life Cover & Protection
If you were to lose your job, lose your health, or lose a loved one, then we can look to put protection in place to help ease the financial situation at this time.
We offer advice on life cover, income protection, critical illness cover, and specialist business insurance such as key man cover and relevant life protection. We tailor the cover to suit your budget and will recommend a suitable product to meet your objectives.
Let Us Do the Work Whilst You Concentrate On Running Your Business
As well as raising commercial finance on buildings, or for a business, or for development funding, we can also help with clients who wish to raise finance against assets of their business, or borrow against invoices raised which are waiting to be paid, or need a loan to assist with cash flow.
If you are looking to insure your commercial buildings, or tools, or yourself, we can help. We advise on this and have access to specialist insurers that cover all aspects of business insurance including Public Indemnity cover, buildings and/or contents insurance, and professional indemnity insurance.
Whatever your commercial requirements are, please contact us and we will be happy to research the best options for you.