Mortgage

Our objective is to mitigate risk for our clients while sustaining value across the mortgage lifecycle. Be it finding the mortgage for their dream property, releasing money to make them more financially secure, or having the peace of mind of knowing their family is protected should the worst happen. We provide advice across a wide range of services including mortgages, protection, and insurance. We are committed to putting clients at the heart of everything we do and to developing long-term relationships with our clients. This is achieved by ensuring that we understand the individual needs of each client and implementing tailored financial plans to address those needs. Standard, Buy-To-Let, Private Clients and Contractor / Self-Employed, CIS mortgage scheme.

Remortgaging doesn’t have to mean switching lenders. If you want to stay with the same lender but change the deal you’re on, you can. 

 Many lenders demand a perfect credit score, which can make life difficult when you need a mortgage.  A Near Prime mortgage is designed to help you get a mortgage when your credit is less-than-perfect. Many lenders would automatically categorise this as bad credit, which could stop you from being approved.  Our Near Prime mortgages may be able to meet your needs if you’ve struggled to secure a mortgage with a traditional lender. We might be able to support you even if you’ve experienced financial difficulties — CCJs, missed payments, defaults, for example — but are returning to a better financial position. 

Most of our clients are keen to ensure their dependants are protected and even once their family is financially secure in their own right and no longer directly dependent on them, they would like to leave an inheritance, or legacy, for their loved ones.

Our Protection Team can advise on the best way to structure this, using a combination of tax and trust planning and, where required, whole-of-life insurance policies.

Tax and Trusts are not regulated by the Financial Conduct Authority. Running a holiday sale or a weekly special? Promote it here to get customers excited about getting a sweet deal.

As a business owner, you already understand the importance of planning and we are sure you will already have Public Indemnity Insurance in place along with a range of specialist advisers including accountants and tax planners. We are experts in this field and ensure that you understand the implications of this in more detail and crucially that you protect yourself and ‘future-proof’ the business against any of these things happening. 

 Whether you are self-employed or employed, looking to accumulate funds for retirement, or looking to retire and access your pension pot, we can offer specialist advice on a wide range of retirement planning options. 

Determining your needs and objectives and providing appropriate investment recommendations to help you to meet your financial goals, is an important part of any financial plan.

With the correct planning in place, you can ensure that your wealth passes to the right people at the right time and in a manner that provides protection and is efficient for tax purposes.  Through our partnership with them, we can provide our clients with bespoke estate planning services.

 A Lasting Power of Attorney is a legal document that lets you (the ‘donor’) appoint people (known as ‘attorneys’) to make decisions on your behalf. 

We believe that this extends to your investments, the adage of making your money work for you is a thing of the past, your investments can now work to provide you with performance to meet your objectives as well as work to better the whole planet through ethical, environmental, and sustainable investments. The growing choice of ethical funds that stay away from sectors that damage the environment and choose to invest in those that will have a positive impact on the world. 

 Equity release and lifetime mortgages are financial products that allow homeowners to access the equity in their homes without having to sell the property or move out. 

Overseas mortgages are home loans that are taken out by individuals who are purchasing a property in a foreign country. These types of mortgages are available in many different countries, including popular destinations such as France, Spain, Portugal, and the USA.

 Self-certification mortgages, also known as self-cert mortgages, allowed borrowers to declare their own income without providing proof, such as payslips or tax returns. However, since the financial crisis of 2008, self-cert mortgages are no longer available in the UK.

 Mortgage prisoners are borrowers who are unable to switch to a more affordable mortgage, despite the fact that they are up to date with their payments, because they are trapped in their current mortgage due to changes in lending criteria or other factors.

 When you apply for a mortgage you need to choose how you’re going to repay it. You can opt for either a capital repayment (capital & interest) or an interest-only mortgage.

With an Interest-only mortgage, you only pay the interest due on the mortgage loan. With a capital repayment, you pay interest and reduce what you owe at the same time.

Monthly payments for interest only are much lower; as the name suggests, you’re only paying off the interest. But you will still need to pay off the loan in its entirety at the end of the term. Conversely, when you reach the end of a capital repayment mortgage, you have nothing more to pay. The house is yours.

 First-Time Buyers do not have the same level of financial history or security as those currently paying mortgages. Consequently, it may be difficult for a First-Time Buyer to obtain money from a lender, especially if they don’t have a sufficient income or a strong credit score. 

 Equity release allows you to access a lump sum of your property’s current value, as cash.

It’s important to consider other options available to you, prior to looking at equity release, which can be risky and expensive.

 Mortgages for expats are aimed at non-British nationals buying a UK home – or British expats buying from overseas. While these situations are a little outside the norm, a good broker can usually help you achieve your home-owning goals. 

 There is no specific mortgage product that is aimed exclusively at teaching staff. As a teacher, the mortgages available to you are the same range that are open to the majority of other applicants, however, your chosen career does afford you some benefits with certain lenders. 

 Let to Buy Mortgages suit a situation when you want to rent out your existing home and buy a new one to live in. Rather than sell your current property, you let it out, and buy a new residential property. 

 If you are looking at securing a mortgage for over £500K it is best to speak to one of our experienced mortgage advisors. 

Although there is no mortgage product specifically aimed at the self-employed, most mortgages that are available to other applicants are also available to self-employed people.

Self-employed applicants may find it more difficult to prove income stability. Lenders have an alternative assessment criteria, however, meaning that most self-employed applicants will be considered on their own merit.

 If you have been living in your council property for at least two years, it’s likely that you will have the opportunity to purchase your home at a discounted price. 

  To help buyers get onto the property ladder, many New Home Builders and Housing Associations now offer shared equity schemes, allowing more people to purchase their own home with only a 5% deposit. In Scotland, there is the Government backed LIFT scheme, which is a form of shared equity. 

Trying to get a mortgage with a poor credit score can be challenging. Defaults, county court judgments (CCJs), individual voluntary arrangements (IVAs) or bankruptcy will count against you.

Although your credit history may look tarnished, there might be a diamond beneath that murky surface. With a committed, reliable lender on side, your search in the rough won’t be in vain.

  We specialise in mortgage advice for subcontractors paid via the Construction Industry Scheme (CIS).

CIS workers face the same mortgage challenges as self-employed contractors and freelancers. For years, we’ve helped them get onto the property ladder; we can help you, too.

Our forte is helping the flexible labour workforce get mortgages using their gross income. That means fixed-term contractors, freelancers and subcontractors paid via the Construction Industry Scheme.

 If you’re an expat working overseas, it can be difficult to find an amenable UK mortgage lender. Maybe you want to rent out your existing home while you’re working abroad. Or perhaps you’re coming back and want to buy a property before you land back on UK soil.

Either way, mortgage providers rarely make it easy to maintain/put down roots back in Blighty when you’re not already here. Yet, when you’re living halfway around the world, you want easy.

If you own a limited company, you can choose how to pay for your rental property. You can:

• Take out your buy-to-let mortgage as an individual, after tax, or
• Channel the transaction through a limited company.

There are pros and cons to both. But changes affecting buy-to-let tax can make a huge difference to your profitability. Firstly, since 2020, landlords can’t claim as much relief against their mortgage interest rate. Secondly, Stamp Duty has increased on a landlord’s second (or more) homes.

 Income Protection is a policy that offers a safety net in instances such as this, and is designed to pay out a percentage of your annual income in the event that illness or injury results in a loss of earnings. 

 Life Insurance will give a cash payout either as a lump sum or regular payments to those who might financially suffer as a result of your death or if you’re diagnosed with a terminal illness. 

 A Critical Illness policy will provide you with a lump sum of money if you are diagnosed with certain illnesses or disabilities. This type of insurance is specifically designed to provide you with support throughout the course of your illness. 

 Private Medical Insurance (PMI) is designed to cover the cost of private medical treatment for acute conditions that start after your policy begins. PMI is available at a range of different levels of cover at various premiums designed to meet different customers’ needs. 

 it’s there to help protect your pocket from the cost of fixing damage or replacing things that are stolen, usually because of bad weather or break-ins. In other words, if high winds hurl tiles from your roof, you find your lounge knee-deep in water, or a burglar empties your home of jewellery and laptops. 

 Mortgage protection insurance is a type of life insurance. It pays off the rest of your mortgage if you become terminally ill or pass away within the policy term. This means your family would be able keep their home and have one less thing to worry about. 

  Our Contents Insurance offers protection for your belongings. It has what it takes to help look after the prized possessions in your home and garden but doesn’t cover the actual building itself. And with add-ons like accidental damage or bicycle cover, you can tweak your contents policy to suit you.

Our renters insurance keeps your belongings covered in case of things like theft, fire, and flooding – from your record collection to the sofa you managed, somehow, to get up the stairs. It also covers cash and even the food in your freezer.

And, if you move home, you can simply take your cover with you – all you need to do is let us know your new address, and we’ll keep it rolling.

As a renter, you probably won’t need to worry about buildings insurance – protecting the structure of the property will usually be your landlord’s responsibility.

Our Buildings Insurance protects the structure of your home and any permanent fixtures from damage. So, it can look after your walls and the pipes behind them, to the roof and windows. And things you can’t easily remove, like a fitted kitchen or toilet. We’ll even pay to rebuild your house completely if it’s ever needed. You can also tweak your policy with add-ons like accidental damage and legal services cover.   Our Contents Insurance offers protection for your belongings. It has what it takes to help look after the prized possessions in your home and garden but doesn’t cover the actual building itself. And with add-ons like accidental damage or bicycle cover, you can tweak your contents policy to suit you.

 Our Home Insurance for landlords covers the cost of rebuilds and repairs if your property is damaged. So you and your tenants can get back to normal as quickly as possible.

  Health insurance, also known as private medical insurance, is cover that helps pick up the bill for private medical care for a future short-term injury or illness. 

   If you have an accident, you want to know you’re supported. Our Personal Accident cover offers financial help when your family are in need, from unexpected injuries to hospital stays.