Buy-To-Let
- BTL mortgages are for people buying property to rent out, not live in.
- BTL mortgages usually require you to be over 18, earn a minimum income, and have a good credit history (and it may differ in some cases)
Re mortgages
- Remortgaging can lower payments, shorten your mortgage, or fund home improvements and special events.
- It helps avoid moving by improving your current home and can consolidate high-interest debts into your mortgage.
Product Transfers
- What it is: Switching to a new mortgage deal with your existing lender, usually when your current deal ends.
- Why it's done: To avoid moving onto a higher standard variable rate and secure a better interest rate or terms.
- Things to know: No legal work or property valuation is usually needed, making it faster and easier than remortgaging.
Home Moving
- Streamline your move: We simplify the home-buying process by handling your mortgage search, application, and coordination with lenders, solicitors, and estate agents.
- Tailored mortgage advice: Get expert guidance on switching or porting your mortgage, including help comparing rates, fees, and repayment options.
Additional Borrowing
- What it is: Borrowing extra money on top of your current mortgage, usually from your existing lender.
- Why it’s used: To fund home improvements, consolidate debt, or cover major expenses using your home’s equity.
Life Assurance
- Financial Support: Provides funds to cover debts, living costs, or funeral expenses after death.
- Protects Loved Ones: Ensures dependents or partners are financially secure.
- Payout on Death: Delivers a lump sum or income to chosen beneficiaries.
Critical Illness
- Pays out if you’re diagnosed with a serious illness like cancer or a heart attack.
- Covers you for a set period (e.g. mortgage term or until retirement).
- Can help with debts or support your lifestyle if you can’t work.
- You can choose a lump sum or regular income payout
Income Protection
- Income Protection: Pays regular income if you can’t work due to illness or injury.
- Houseperson Cover: Pays out even without income loss if included.
- Income Replacement: Covers most of your take-home pay during the claim period.
- Fixed Term: Lasts for a set period or until retirement.
Family Income Protection
Business Protection
Home Insurance
General Insurance
What does a mortgage broker do?
Questions? Call Us Today!