Discover our services
We offer a full range of mortgages as well as life insurance, protection policies, bridging loans and wealth management.
01.
First Time Buyer and Home Mover Mortgages
Home loans used to purchase a first property or move to a new one. Typically fixed or variable rates over a set term, with affordability and deposit requirements assessed by the lender.
Your home may be repossessed if you do not keep up repayments on your mortgage.
02.
Individual & Limited Company Buy To Let
Mortgages for purchasing property to rent out, either in your personal name or via a Special Purpose Vehicle (SPV) limited company. Lenders assess expected rental income alongside standard criteria.
Your home may be repossessed if you do not keep up repayments on your mortgage.
03.
Commercial & Bridging Finance
Commercial loans fund business premises or investment property. Bridging finance is short-term borrowing used to ‘bridge’ a gap for example for an auction purchase or if a chain breaks down.
The value of units can fall as well as rise, and you may not get back all of your original investment.
04.
Remortgage and Product Transfers
Deal ending? Remortgage to a new lender or switch to a new rate with your current one. We compare both and time the change to avoid the SVR, aligned to your plans and budget.
05.
Life & Critical Illness Insurance
Pays a lump sum if you’re diagnosed with a specified serious illness. The payout can help with treatment, time off work or adapting your home, with cover level and term tailored to your needs.
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.
The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.
06.
Income Protection, Buildings & Contents Insurance
Income protection pays a regular benefit if illness or injury stops you working. Buildings insurance covers the structure of your home; contents insurance covers your possessions against insured risks.
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
07.
Mortgage Protection Insurance
Term life cover aligned to a mortgage. Often ‘decreasing term’, so the sum insured reduces roughly in line with the outstanding loan to help repay it if the policyholder dies during the term.
08.
Wealth Management
Structured planning for savings, investments, and pensions. We work closely with our network who specialise in this area. They can provide tailored advice on goal setting, risk profiling, tax-efficient wrappers, and regular reviews to help keep your financial plans on track.
The value of units can fall as well as rise, and you may not get back all of your original investment.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Residential mortgages and protection products are all regulated by the Financial Conduct Authority. Commercial and buy to let mortgages are not regulated by the Financial Conduct Authority.
Clear Advice, Every Time
Buying, switching, or weighing up your choices? We’ll give you the support and clarity you need
