Download our Key Facts to find out more about what we do and our services.

As your life changes – new family, getting married, children growing up, etc – we can help you to review your cover and maintain an optimum protection level that suits you. It may look like a minefield but our job is to make it easy for you to make the right decisions for you now and in the future.

See below for details of the entire range of mortgage and property related products and services that we can provide to make your investment safe and cost-effective.

• Secured Loans - A loan that requires the borrower to provide the lender with some form of security. In the case of secured loans the security will be the borrower’s property, regardless of whether it is mortgaged or owned outright. A loan secured against property that is already mortgaged is known as second charges, whereas loans secured against a property owned outright with no existing mortgage in place are known as first charges.
• Private medical insurance - Private medical insurance could cost you a lot less than you think. With long waiting lists and uncertain standards of service in different hospitals, medical insurance gives you and your family peace of mind knowing that quality treatment can be accessed swiftly when needed. There are two main types of policy – comprehensive and low cost/budget. Insurance can help to prevent a threat to your income and the ability to repay your mortgage, resulting from long absences from work.
• Property insurance - Whether it is your own home or one you rent out, you need good buildings insurance. Most people combine this with their contents insurance and we can help you to find a policy that meets your cost and cover requirements.
• Protecting your mortgage and income - Income and mortgage protections help you to pay your monthly outgoings if you are prevented from working through sickness, an accident or unemployment. We can help you to decide the right level of cover for your circumstances and can review this with you through the years ahead.
• Finding the right solicitor - Choosing a solicitor can be daunting at any time and you must have confidence in your legal advice. We can help you to find the right one to meet your needs.
• Commercial mortgages - These are loans that are secured on commercial property such as shops, business premises, warehouses, factories, workshops, garages, hospitals and schools. As with any mortgage you need expert advice to ensure you are able to keep up repayments and to be confident that you have the right deal for your business needs.
• Buy to let mortgages the mortgage for landlords renting out a property. Interest rates are typically slightly higher than other mortgages so it is crucial to find the best mortgage for you.
• Mortgages - We can explain and advise on all types of mortgages to find the right one for you and your circumstances. We can also review your mortgage arrangements on a regular basis to keep you in a competitive position – mortgage options are always changing and we want to make to make sure that you continue to have the best solution for your personal circumstances.
• Writing a will - Your property, particularly if you have strong insurance cover, represents a significant bequest upon your death and a will ensures you leave your estate as you intend to. It is never too early to make a will and of course you can update it at any time. We can help you find the right person to discuss your requirements and to draw up your will.
• Bridging loans - can provide fast access to funds with the minimum of formalities. Bridging finance can be used in a number of different circumstances, e.g. refurbishment - buying dilapidated properties and then renovating and selling them in a short space of time.
  
  With bridging finance, the loan will always be secured against residential or commercial property. A first or second charge will be taken against new or existing property, or a combination of both. Another great use for bridging finance is for people who purchase property at auction, where funds are required quickly. Bridging is much quicker to arrange than a normal residential mortgage; on average 3-5 working days from first enquiry to completion

Download our Key Facts to find out more about what we do and our services.