Reliable mortgage advice 

Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers. Whether you are a first time buyer, looking to re-mortgage, purchase a second home or even looking to release equity to provide income in retirement. This is where our advisers excel. 
 
Be reassured that our style is to guarantee reliable mortgage advice appropriate to any individual that makes contact with us. 

Types Of Mortgage 

These are the main types of mortgage we can arrange: 
 
First time buyers 
Remortgages 
Buy to let 
Self build 
Flexible mortgages 
Offset mortgages 

Equity Release 

Equity Release products are designed for people over 55 to take cash value from their homes without having to move. There is a wide range of Equity Release products which can provide a valuable source of income for some people. 
 
These schemes allow the borrower to stay in their home and benefit from the cash released from the equity of their property until certain events occur for example moving into long-term care or death. At this point the lender will be repaid, usually through the sale of the property. 
 
There are different types of Equity Release Scheme, some of which mean ownership or part-ownership of the property passes to the Equity Release provider and others where a cash sum is drawn from a promise to repay the lender on the sale of the property. 
It is important if you are considering an Equity Release scheme to understand the differences between these scheme types and this is something we can help you with. 
 
Equity release can be very useful in some circumstances but it is essential to seek advice on whether it is suitable for you. We will help you understand if it is the right option for you, so please get in touch if you are considering an Equity Release scheme. We are experts in this market and will make sure you receive the right advice. 
 
As part of your overall planning, you will want the peace of mind of knowing that your financial security is protected. We can help by assessing your individual needs and making recommendations on the most suitable cover to protect you and your family in the future. 

Assessing Your Needs 

During our thorough assessment of your circumstances and needs, we will establish what types and how much cover you may require. We can also look at any cover you currently hold. If you have a life policy that is several years old, you may be able to change your provider and get a more competitive premium, or increase the benefit for the same monthly cost. 

Types Of Cover 

We can help you find the most suitable products for: 
Life cover including level term assurance, mortgage life cover, family income and whole of life cover 
Income protection 
Critical illness cover 
Private medical cover