We provide Independent advice on all types of Mortgage Finance in both mainstream and specialist areas such as Complex Income Types, Fixed Term Contractors, Self Employed, Limited Company Directors, Investment Properties (Buy to Lets) for personal and SPV/Limited Company ownership, Ex-Pats and Older Borrowers.
Independent advice means that we have no restrictions when researching the market to obtain the most cost effective solution. We work for the client and the advice we provide has been tailored to their circumstances and requirements, ensuring they have the very best advice with access to market leading rates.
Equity Release can be a vital part of retirement planning or even to help raise a capital lump sum for various purposes. Equity release refers to a range of products letting you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both.
There are two types of Equity Release;
you take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.
you sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living in the property until you die, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance. The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.
Family is important; that’s why it’s best to get expert advice to help protect what matters, when it matters!
Thinking about the consequences should anything happen to the main breadwinner isn’t something any of us want to contemplate. However it is important when arranging your mortgage to take the time to protect you and your family should the unthinkable happen.
Put simply protection products are policies that are arranged to provide you and your family with either a lump sum or a regular income should you become seriously ill, lose your job, or in the event of your death.
Life Cover • Income Cover • Critical Illness • Family Income • Home Insurance
Death in Service (Ltd Company Directors only) • Shareholder Protection • Key Person Protection • Business Loan Protection
Dan was incredible. He was very informative, helpful and he and his team made the process as easy as possible for us and it was. No stress
Very informative and had excellent product knowledge of the entire market.
Daniel was very professional efficient and advised us on which mortgage would be better for us his manner and professionalism is outstanding.
I was looking to remortgage my BTL at the same time as buying a new residential property. Dan was great. He completed a thorough Q&A to find out exactly what I needed and then pretty swiftly came back to me with the options available.
Dan supported and guided my partner and I, by finding us the best mortgage deal available to help purchase our first family home, together. All in time for the arrival of our new family member. Dan also helped us re-mortgage an investment property on to a buy to let mortgage, which allowed us to release equity and free up extra capital.
He was really quick at getting things sorted, not something you tend to hear of in the world of mortgages but Daniel got things turned around in days. We had a few issues down the line and Daniel sorted them and ended up managing to get us something better.
The Company was launched in May 2013 with a direct vision to offer a service that varies and differs from the ‘standard Mortgage Broker’. We wanted to be able to fully assist all our clients with all areas of financial services, irrespective of the product we can or cannot directly provide. With this in mind, we have established very successful business relationships with local Professionals, enabling coverage for the majority of property and financial services related products.