Services

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As a professional Mortgage and Protection Advisor, I am able to give you advice on the whole of the market. This means I am not limited to a specific lender, allowing me to find the right mortgage to suit your needs.

On the website I just give a brief overview of the different mortgage options, meeting face to face, whether in person or by using great technology where a face to face meeting isn’t possible, I can give you much more in-depth advice to make sure your home buying journey is as smooth as possible.

Let me take the stress and strain out of the home buying process for you.

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][bsf-info-box icon_size=”32″ title=”First Time Buyers”]

As a purchaser of your first home, you are classified as a First Time Buyer (FTB). As such you can get a wide range of offers and products to help you onto the property ladder. There are no limits to the purchase of a property as your first home, however, there are schemes like the First Homes Scheme set up to help, by offering a 30% discount on the value of newly built properties. Or the 95% mortgage guarantee scheme that helps you by allowing just a 5% deposit. All of these schemes have specific criteria attached.

I can help you navigate the market and help take your first steps to become a property owner.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Next Time Buyers/Current Home Owners”]

These are buyers who currently own a home or previously owned one and are looking to move on. There are not many differences to a First Time Buyer, however, there is the benefit that some lenders will be happier securing a deal with you if you have a good history of repaying a previous or current mortgage. I can give you an idea of the costs involved to move home and I can even help you find local estate agents and solicitors/licensed conveyancers if required.

I can guide you every step of the way and secure the best mortgage available for your current circumstances and needs.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Remortgages”]

Remortgaging is where you are looking to port your mortgage across from one lender to another whilst staying in your home. This is mainly done to keep your mortgage at the best market rates possible. Usually, a mortgage has an attractive initial rate, that then reverts to a standard variable rate. I speak to all of my existing customers typically 5-6 months before their current deal is due to expire to ensure they don’t pay any more than they need.  As a new customer, I will keep in contact and remind you when it’s time to start reviewing your existing mortgage.  This is also an ideal time to look at options of raising additional funds perhaps for some home improvements, repaying some debts or purchasing a 2nd property!

I am not tied to any specific lenders allowing me to research the whole market including what your existing lender will offer you and advise you on how and when is best to progress further.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Later Life Lending”]

These are mortgages aimed at over 55-year-olds, allowing you to release equity in your home, whilst continuing to stay in the home you love. You may decide to do this for a variety of reasons, like helping your children or grandchildren with a deposit to purchase their own home or perhaps some home improvements you’ve been dreaming of or even to supplement your retirement income and lifestyle. It is always sensible to get good sound advice when deciding what will work for you as there are a variety of options available.

Currently, I refer clients for Later Life Lending expertise, but this is an area I will be offering soon. Please ask me for more details.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Buy To Let”]

Whether you are looking to buy your first investment property to rent out or if you are already an experienced landlord/landlady, this is the option for you. You would usually need to afford a deposit of 25% of the value of the property you’d like to purchase or remortgage. Most Buy To Let mortgages are on an interest-only basis, which means you only pay the interest on the mortgage, not the capital. The original loan is paid back in full at the end of the term.  The lenders will determine how much you can borrow based on how much the property will generate in rental income but this varies with each lender depending on your own circumstances too. Some Buy To Let mortgages are only available by using a specialist broker like myself.

I can help you step into the rental market or expand your existing portfolio and ensure your Buy To Let needs are well looked after.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Adverse Credit”]

Not everyone has perfect credit, life has its twists and turns. If your credit file is not at a level most high street lenders prefer, there are a range of lenders available to help.

Being a knowledgeable mortgage broker I have the ability to search the whole market of lenders to find a package suitable for your criteria. Smaller lenders and specialised lenders are set up to help in these circumstances.

Government Scheme mortgages such as Help To Buy, Shared Ownership and New Builds

The government has created a variety of ways to help buyers onto the property ladder. Help To Buy has been a flagship scheme in recent years and has been a huge help to many. The current Help To Buy Equity Loan scheme is available to First Time Buyers who have a minimum deposit of 5%. Rather than taking out a mortgage for the remaining 95% of the property value, the Government lends you up to 20% of the property value, and so you only need a mortgage for the remaining 75% to make it possible for you to start your homeowner journey.

Shared Ownership is a scheme that allows you to buy a share in a property and pay rent for the remaining share with an option to purchase a bigger share, later on, allowing you affordable options that might otherwise be out of reach.

New build mortgages can vary considerably from lender to lender and will be determined by a variety of factors, for example, if you are buying off-plan, the timing of the development’s completion or who the builder is and so for these reasons the mortgage process can be more complex.

For all of the above, I will be able to explain the different schemes on offer and provide you with impartial advice that is focused on your needs.

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Having a comprehensive review of your life insurance is important, especially when you are also a homeowner. It is best to view home owning and life insurance as a complete package. However, it’s important to remember that Life Insurance isn’t just about protecting your mortgage! It’s about providing for your loved ones should the worse happen, protecting your health and ensuring you get to live your life with your loved ones if you were suddenly unable to work due to ill health or injury.

The best insurance is never used!!! Insurance should be viewed for the benefits it offers you and your loved ones, rather than on a cost basis.

My expertise affords me the opportunity to offer advice from a wide range of insurers, enabling me to build a plan based on you and your family’s needs.

[/vc_column_text][/vc_column][vc_column offset=”vc_col-lg-6 vc_col-md-5 vc_hidden-sm vc_hidden-xs” css=”.vc_custom_1491752635803{padding-bottom: 50px !important;}”][dt_fancy_image image_id=”2052″ width=”1000″ height=”700″ lightbox=”true”][/vc_column][/vc_row][vc_row][vc_column][bsf-info-box icon_size=”32″ title=”Life Cover”]

Often known as Term Life Assurance, it pays out a lump sum of money when the insured person dies. This lump sum goes to those nominated as the beneficiaries. It’s an affordable way to have cover, that would help loved ones, due to lost income, with living expenses like the mortgage or debt you leave behind.

I can carry out a full review and recommend the best level of cover to suit your needs and budget.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Critical Illness”]

If unfortunately, you were to be diagnosed or suffer a critical illness such as cancer, a heart attack or stroke, this cover is put in place to pay you a tax-free lump sum.   It is designed to help and support the changes to your life and ease the financial concerns that may come from it. It may be as simple as paying off your mortgage, covering any loss of earnings, or perhaps making necessary adjustments to your home. If you have dependents at home, the money from your policy will lighten the financial burden placed on your family.

I can advise you and lay out your options in this important area of protection for you to decide on.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Decreasing Term Assurance”]

This type of cover is usually the same as a Mortgage Term Assurance policy whereby it protects a repayment mortgage by mirroring the outstanding balance that reduces over time. In the event that a policyholder dies, the insurance should be sufficient to clear the repayment mortgage balance owing at that time. However, it is not the only solution for protecting your mortgage and other solutions can be more future-proof.

I can explain how a decreasing term assurance policy works as well as look at some other alternatives for you.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Level Term Assurance”]

This cover pays out a fixed lump sum and remains the same throughout, should you die during the term of the policy. Clients often like the fact that the sum stays the same regardless of when in the policy life span it pays out.

I can carry out a full review of your needs and priorities and recommend a suitable plan that gives you peace of mind. 

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Family Income Benefit”]

This is an alternative to Level or decreasing term assurance where Family Income Benefit is designed to replace lost regular income if the insured person dies. Rather than a lump sum, it pays a monthly income.

Clients like the security of knowing a regular monthly income is in place for their loved ones if the worst were to happen.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Whole of Life Insurance”]

This policy guarantees a lump sum is paid out by the provider to your family, no matter when that is required. The benefits of this are that the policy doesn’t expire after a certain amount of time, and can’t be cancelled due to health or illness. It is what is known as a permanent life insurance policy.

It’s a very useful part of your insurance portfolio and I will give you the best advice on how it fits with the other key areas.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Income Protection”]

If you are unable to work due to a disability caused by injury or illness, Income Protection kicks in to replace your income to enable you to continue to pay your mortgage, rent and bills. Being unable to earn and be reliant on any savings you may have, or governments benefits is less of a worry when you know your wages are covered, allowing you to focus on recovering back to full fitness.

Your ability to earn an income is your most valuable asset, whether you’re a young graduate, employed by a company or a business owner. Not only is it the cornerstone of your financial future, but it also assists you to accumulate assets over your working life.

I can help you safeguard your income to alleviate your financial stresses and worry at a difficult time.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Unemployment Cover”]

This type of cover sometimes known as Redundancy insurance is a type of income protection that can payout if you lose your job. Policyholders can be paid through a tax-free monthly income, which starts after a pre-agreed waiting period (sometimes called the deferred period) and is often used to protect mortgage repayments, loan repayments, or your wages giving you time to work out what you want to do next.

I can help you compare this type of insurance quickly and easily, so you can find the right level of cover to suit you.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Private Medical Insurance”]

Where you or your family require medical treatment, having Private Medical Insurance would allow you to avoid the NHS queues and be seen in days rather than weeks. There are many benefits included with this type of policy along with different levels of cover depending on your lifestyle and needs and whether it be personal or family cover.

I will explain what the options are and make sure the plan is tailored to your requirements.

[/bsf-info-box][bsf-info-box icon_size=”32″ title=”Buildings and Contents”]

The two parts of the insurance here are firstly Buildings, which covers the physical structure of your home, in case of events like subsidence, fire, flood or weather damage. This can include outdoor structures like sheds, fences and outdoor offices.

The Contents part covers the items inside your home, and many outside your home, like the furniture, carpets, freestanding appliances or bikes.

Getting the right cover here is important, specific items need to be documented to make sure they are covered.

I can help you work out what you need to cover and if it needs to be noted separately for the insurance.

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  • Secured Loans & Bridging Finance
  • Commercial Loans
  • Later Life Lending (Equity Release)
  • Solicitors and Conveyancing 
  • Estate Agents
  • Wills and Estate Planning
  • Trusts & Power of Attorney

I have trusted third party colleagues to who I can refer you for these areas. Please ask me for more details.

[/vc_column_text][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces” bg_type=”image” parallax_style=”vcpb-hz-jquery” bg_image_size=”initial” parallax_sense=”40″ bg_override=”ex-full” type=”vc_default” css=”.vc_custom_1582233549234{padding-top: 70px !important;padding-bottom: 75px !important;background-color: #bf0069 !important;}”][vc_column width=”5/6″ offset=”vc_col-lg-offset-2 vc_col-lg-8 vc_col-md-offset-1 vc_col-md-10 vc_col-sm-offset-1″][ultimate_heading main_heading_color=”#36a834″ sub_heading_color=”#ffffff” main_heading_font_size=”desktop:24px;” main_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:20px;” main_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:60px;mobile_landscape:44px;” sub_heading_line_height=”desktop:70px;mobile_landscape:54px;” sub_heading_font_family=”font_family:Roboto Condensed|font_call:Roboto+Condensed” sub_heading_style=”font-weight:bold;” sub_heading_margin=”margin-bottom:40px;”]The core philosophy of our business is to seek out the best deal for the customer and not the institution that will pay us the best commission[/ultimate_heading][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]

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5%

1%

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£1421

Monthly Payment

Principal & Interest £1421

Monthly Taxes £1421

Monthly HOA £1421

Monthly Insurance £1421

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