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Mortgages

Whether a first time buyer, taking further steps up the ladder or buying to let, we can help.

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Protection

Life and Protection Insurance policies can protect you and your family

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Pensions

When do you want to retire and how much income will you need?

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Investments

Are you making the best use of any spare capital or surplus income?

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At retirement

Common retirement options in plain simple language

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Business Protection

Business protection is a way of protecting your business if something goes wrong.

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General Insurance

It’s important to ensure you put the right insurance in place to protect your home and its contents.

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Mortgages

A mortgage is likely to be the single largest financial commitment you ever make. There's a wide range of mortgage products out there, with varying interest rates and repayment options available.

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Our fee for this service is up to £1000 payable on application. On a normalmortgage case this is usually £300.00 which is refundable if the mortgagedoes not proceed. There will be no refund if the mortgage is offeredand you decide not to proceed.


New mortgage rules (MMR)

New mortgage rules (MMR)

The financial services industry regulator, the Financial Conduct Authority (FCA), has set out a new set of rules for mortgage advisers, and lenders, to improve the process of getting a mortgage.

Offset Mortgages

Offset Mortgages

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Second Charge Loans

Second Charge Loans

Second charge loans can be secured against residential or Buy to Let properties.

Self Build Mortgages

Self Build Mortgages

These are mortgages suited to people building a new home. With a self build mortgage, money is released in stages as the build progresses.

Bridging Finance

Bridging Finance

A bridging loan is taken out to ‘bridge’ the gap between the purchase of a new property and the sale of an existing one.

Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

Buying a home

Buying a home

Before you choose a specific deal, you need to decide what type of mortgage is the most appropriate for your needs.

Help to Buy and other government-backed schemes

Help to Buy and other government-backed schemes

The government has put in place a number of schemes to support house purchasers, such as Help to Buy.

Flexible Mortgages

Flexible Mortgages

With options for overpayment and payment ‘holidays’, a flexible mortgage can make the traditional 25-year British mortgage look rather old-fashioned.

First Time Buyers

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Equity Release

Equity Release

Equity release can help people release cash (equity) in their homes for a particular purpose, like supplementing retirement income.

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