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Mortgages/Re-Mortgages/Buy-to-Let Mortgage
Finding the right mortgage or remortgage is not always easy and with thousands of UK mortgages to choose from, it can be difficult to know which one is right for you. After all, buying a new home or remortgaging your existing home is one of the most important financial decisions you will make, so it is important you get the best mortgage deal with the best possible service.
Your home may be repossessed if you do not keep up repayments on your mortgage. For advising on mortgages you can choose how we are paid, pay a fee of typically 0.5% of the loan amount or we can receive commission from the lender.
Commercial Mortgages
We provide a fast, flexible and professional service. As we are not tied to any one lender, we can give you impartial advice through our network of regionally based specialists.
Home Buildings and Contents Insurance
Home and contents insurance at competitive premiums, which we select from a panel of lenders. Our products offer excellent value for money and provide amongst the highest levels of cover and are highly flexible, enabling us to tailor them to suit your individual needs.
For Buildings and contents cover we usually select products from a panel of providers.
Critical IIlness Cover (CIC)
No one likes to think about the possibility of suffering a serious critical illness but if it were to happen to you, the consequences would be devastating for the financial security for you, your family and all of your futures. How would they cope? How would you pay your bills and clear your debts if a critical illness happened to you now? If you couldn't work due to your illness, would you need to make alterations to your home? Would you need to hire in help? Would a serious illness prevent you from being able to pay the bank or building society for your loan or mortgage? If so, what would happen to the standard of life that you have worked so hard to achieve?
We can find the right critical illness insurance cover at the right price according to your particular circumstances
Business Insurance
Contact us to find out more about our full range of business insurance products and how we can help to protect your business.
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Life Protection
Life has a habit of throwing unpleasant things at us - usually at times when we'd least expect it or need it. Many of us will have to come to terms with how we might cope if our partner died unexpectedly, or how our dependants would cope if something happened to us.
Peace of mind comes from knowing that we've done everything to minimise the financial impact of such an event. There might be a mortgage or loan to be paid, household bills to meet, or funeral expenses to pay. Tomorrow holds no guarantees, so having sufficient life cover in place makes sure that the worry is taken away in a stressful situation.
Public Liability Insurance
Public liability insurance gives you and your business protection should a claim be made against you. This could be damage or injury to people or property as a result of your work.
Having public liability is not a legal requirement but it is good business practice. Local authorities will generally demand a minimum level of £2m public liability insurance for works to be undertaken at their premises or on their behalf.
Public liability cover is available for over 100 contracting trades and professional occupations. Cover is available in steps of £1m, £2m and, for the majority of cases, £5m. Contact us to find out how we can save you money or improve on your current cover.
Professional indemnity insurance
Professional indemnity protects you from claims by dissatisfied clients, for example, if you mis-quoted a third party, gave guaranteed advice that failed to hold up or accidentally infringed a third parties rights. In the professional world it is impossible to cover every eventuality, and claims can bring down individuals and small businesses in one move.
Contact us to find out who we recommend and to arrange an introduction to a broker.
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