We deal with all the lenders to obtain the best deals and follow the process through to finish.
1st Time Buyer
There are some great deals available for 1st time buyers where multiple of income is important or even a 100% mortgage.
Changing lenders can offer better rates or terms or even release equity. We help obtain the best deals.
Buy 2 Let
We deal with a wide range of lenders who can help landlords whether they have one property or a portfolio. Not regulated by the Financial Conduct Authority.
It is possible to release capital from the property for various reasons. Especially for the elderly or for inheritance tax planning.
Life assurance for one or both lives to cover the mortgage/debt in the event of death.
Critical Illness Cover
Provides you with a lump sum if you are diagnosed with one of many illnesses to pay off the mortgage. Some illnesses are not included but we will discuss this with you before we make a recommendation.
Insurance for the structure of the property.
Usually covers all household goods & furniture. Damage & theft cover are important elements also to consider. You should read your policy to check what is covered under the basic contents insurance cover.
Should you be unable to work through illness or accident this provides a proportion of your salary. There are limits to the amount of cover you can arrange usually 65% of your gross salary. Pre-existing medical conditions may be excluded.
Short-term cover should you be made unemployed to cover debt out-goings.
Once a landlord has bought an investment property it is necessary to ensure that the right cover is in place for buildings, contents and liability.
All of the protection policies named above have benefits and drawbacks. Drawbacks can include exclusions and limits to the amount of cover. We will discuss these with you before we make a recommendation.