Mortgage and Protection Guides
Choosing a mortgage is a vital part of the home buying process – but with so much choice and a lot of jargon, it can be hard to know which one is right for you.
That’s why we’ve created a collection of handy guides that aim to help you understand the mortgage process, from start to finish. Whether you’re starting out, remortgaging, or purchasing a buy-to-let, these guides will help you make an educated decision when it comes to choosing the right mortgage.
We’ve also included a comprehensive guide to personal and family insurance, to help you better understand how to protect the things that matter most to you.
Mortgage Advice Guide
Whether you’re buying your first home, buying to let, or remortgaging, it’s a big commitment.
This guide aims to highlight some of the aspects you’ll need to consider, to help you feel more confident about your financial decisions.
Buy to Let Mortgage Advice Guide
Whether you’re buying your first buy to let property, adding to your property portfolio, or remortgaging, this guide gives an overview of the main considerations.
From how much you can borrow to the different types of mortgages available, our guide covers it all.
Protection Guide
Protection insurance policies are designed to provide a critical safety net for you and your family.
Learn all about personal and family protection and how they can offer you valuable peace of mind in our comprehensive guide below.
Equity Release Guide
Equity Release mortgages work by allowing you to unlock the equity (cash) tied up in your home in the form of a tax-free lump sum payment/s if you’re over the age of 55.
Find out how to release equity from your home to have the retirement you want in our comprehensive guide below.
A lifetime mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release. The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing. Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.
How Can We Help?
If you have any further questions about mortgages or insurance, please do get in touch. Our financial services team are on hand to offer free friendly advice 6 days a week. To speak to our team call 01614434830 or email [email protected].
Related Links
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