We can help you choose the right mortgage making the whole process much simpler. There are lots of deals available, so it’s easy to get confused about which one is right for you, even if you’ve been through it before.

We offer you expert guidance and help to take the worry out of finding the right mortgage. Not only will it help you decide on the right mortgage type, we also help you find the most suitable deal. With access to mortgage products from a wide range of the UK’s leading lenders, you can be confident the mortgage we recommend is right for you.

Your home may be repossessed if you do not keep up repayments on your mortgage. 

Our fee for this service is £395.00. For Lifetime mortgages we charge a flat fee of £595.00 The Financial Conduct Authority (FCA) does not regulate some forms of mortgage.

A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.

The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.

Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead. This is a referral service.

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Personal Insurances

We provide advice on the many types of life insurance available; the most appropriate type for you will depend on your circumstances.

Life Insurance will pay out either a single lump sum (sum insured) or a regular income when you die.

Many people take out Critical Illness Insurance cover for when they take on a major commitment, like a mortgage, or start a family. However, since we’d all like to have our financial commitments lightened if we were to suffer a serious illness or injury, the cover is relevant for most of us at any time. Critical Illness Insurance pays out a tax-free lump sum on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions including heart attack, stroke, cancer and major organ transplants.

Income Protection Insurance pays out a regular tax-free replacement income if you become unable to work because of illness or injury. It could help you keep up with your mortgage repayments and other living costs until you’re able to return to work.

Short Term Income Protection Insurance can provide a monthly income to help cover your regular outgoings if you can’t work due to an accident or illness/injury. There are important differences between these products, and long-term Income Protection Insurance. They include a limit on how long the replacement income will be paid for – usually between 12 and 24 months. By contrast, Income Protection Insurance will pay out for as long as you are unable to work (up to the policy expiry).

The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Business Insurance

Key Person Insurance – Ask us how the right insurance can compensate a business for financial losses arising from the death, or extended incapacity, of a specified employee or director.

Shareholder Insurance We believe, in interests of financial security, business stability and continuity, it is essential to provide a safety net following the loss of a shareholder.

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