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NEWS

The benefits of income protection and critical illness cover

The benefits of income protection and critical illness cover

Income protection and critical illness policies provide financial protection when circumstances change unexpectedly due to unemployment or illness. “If you lose your job unexpectedly then income protection can provide a regular source of income until you find work again,” says our founder Monica Bradley. “Critical illness provides cover in the event that you are unable to work due to illness. Sadly, over the years, we’ve had a number clients who have developed serious illnesses and had to give up work. The stress of having to cope with an illness can be debilitating for families but the added pressure of having to worry about money at such a devastating time is something that can be avoided altogether if you have the right critical illness cover.”

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How to be a successful first time buyer

How to be a successful first time buyer

Buying your first home is a big step. Whether you are going it alone or buying with someone else, there are plenty of things to consider before going ahead. One of the most important is making sure your finances are in good shape before you visit your mortgage broker. Lenders are looking for reliable and careful borrowers, so you will need to have lots of information at your fingertips to show you are able to manage your money.

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How to get a mortgage when you’re self-employed

How to get a mortgage when you’re self-employed

Obtaining a mortgage when you work for yourself can seem a daunting process, but it’s certainly not impossible. Since 2007’s credit crunch, it’s been more challenging to get a mortgage if you’re self-employed. Here’s how to ensure your mortgage application will most likely result in a positive outcome…

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Why do I need a mortgage broker?

Why do I need a mortgage broker?

Consulting a mortgage broker to help you find the right mortgage product for you could save a great deal of time and money. Buying a house, especially for the first time, is exciting, but can also be overwhelming. With so many things to tick off the to-do list, organising a mortgage yourself can be time-consuming, confusing and you may not end up with the best deal. A reputable mortgage broker can search the market for you, working on your behalf to find the right product, tailored to your own individual circumstances. They can do a lot of the hard work on your behalf, making your transition from potential buyer to home owner much more straightforward.

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For insurance business we offer products from a choice of insurers.

You may have to pay an early repayment charge to your existing lender if you remortgage.

There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.

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

A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.