Mortgages

A mortgage is the largest financial commitment that the majority of us will ever take on in our lifetime, so before you do you need to make sure that you are getting the best advice available. We can offer advice on Residential mortgages and Buy to let mortgages.

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Life insurance

We offer various different types of life insurance including whole of life, level term and decreasing term as well as critical illness insurance, permanent health insurance and accident, sickness and unemployment cover.

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Buildings and contents insurance

Buildings insurance covers the cost of damage to the structure of your property. This includes the roof, walls, ceilings, floors, doors and windows. Contents insurance is insurance that pays for damage to, or loss of, an individual’s personal possessions while they are located within that individual’s home.

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Loans

We can offer advice on secured loans, secured on your home or buy to let property whereby its acts as a second mortgage and does not effect the continuation of your existing mortgage. We can also advise on Castle trust loans whereby you borrow money on a buy to let property and sacrifice part of the equity that your property may rise by.

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Equity release

This is a special type of mortgage which is designed for people over 55 years of age and has no expiry date, there are interest only options available allowing the debt to remain the same (to protection inheritance), interest roll up options where no monthly repayments are due but the interest is added to the mortgage.

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Commercial mortgages

This type of mortgage is designed for shops, specialist buy to let properties, hotels, commercial land developers, hostels, public houses, house of multiple occupancy, etc. We have interest only and repayment options available but this type of mortgage is not regulated by the financial conduct authority.

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