OUR SERVICES. WHAT WE DO

Please find below a list of the services we provide and a brief introduction to each financial product area. Our highly experienced team of financial advisers would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.

  • Mortgages

    Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

    We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.

    We are whole of market brokers.  We arrange residential mortgages including first time buyers, remortgages, sub prime, further borrowing and porting existing mortgages.
    We also arrange Buy to let Mortgages for commercial and residential purposes, specialised buy to lets for Limited companies, HMOs and holiday lets.

    YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISTING LENDER IF YOU REMORTGAGE.

    THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE SOME ASPECTS OF COMMERCIAL AND BUY TO LET MORTGAGES.

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  • Life Assurance

    The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

    It can provide the reassurance of financial protection for you, your family and your business associates.

    A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.

    Please be aware that this type of assurance is based on an assessment of the health of the applicant.

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    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.

  • Commercial Mortgages

    We can help you with:

    - All personal mortgages for property purchases including Right to Buy and Help to Buy. We look at the whole of the market so can find the best deals available
    - Re-mortgages for when your existing deal is coming to an end we can refinance with another lender to get a better deal or to raise further funds
    - Buy to Let mortgages for residential property investments
    - Second charge loans
    - Commercial mortgages for business looking to purchase their own premises to work from
    - Loans to purchase and acquire other businesses
    - Commercial loans for individual or companies looking to buy and invest in property that is let to other businesses
    - Property Development Finance
    - Sales Finance otherwise known as Invoice Finance or Invoice Discounting
    - Asset Finance
    - Loans to assist with property purchases at auction

  • General Insurance

    This is an area of financial planning that is often overlooked but it is important for your peace of mind.

    It enables you to minimise the effects of unexpected and often unwelcome future events, and helps you to organise your personal and business life with greater confidence. We offer buildings, contents, holiday lets, landlords Insurance ,accident, sickness and redundancy insurance to cover mortgage payments.

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  • Health Insurance

    Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

    Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future. However, there are a number of other types of health-related insurance policies which are worthy of serious consideration including critical illness and income protection cover.

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    INCOME PROTECTION PLANS THAT HAVE NO INVESTMENT LINK HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF YOU STOP PAYING YOUR PREMIUMS YOUR COVER MAY END.

    CRITICAL ILLNESS PLANS 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.

    PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.

GIVE US A CALL AT
0208 651 9777
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