Home Mover

If you are thinking of moving home, we can find out how much you can borrow, then look for the right deal for you.

We can give expert advice on the moving process, recommend estate agents and compare solicitor costs.

We can also review your existing protection arrangements to ensure you are adequately covered if you have increased your borrowing.

Loan Protection

Many businesses have to borrow funds to be able to realise its plans and quite often the ability to repay any borrowing depends on one or two key people in the business. However, if they die or are diagnosed with a critical illness than the ability to continue with these repayments can be extremely difficult. A loan protection arrangement pays out a lump sum if a key person were to die or be diagnosed with a critical illness, offering peace of mind that your business can repay its borrowing.

Income Protection

Protect your income against illness or injury with our Income Protection Plans.

Income Protection offers financial support to help towards protecting your lifestyle, savings, mortgage or rent and your family. The benefit pays out a regular monthly, tax free income if you can’t do your job because of illness or injury.

Our expert advisers will design your plan around your individual needs, circumstances and budget.

You can decide the amount of time between you stopping work and getting your first payment and you can choose how long you want your payments to last. For 2020/2021, Statutory Sick Pay is £95.85 a week.

Re-Mortgage

We are here to advise on the full process of remortgaging your home.

We will discuss the pros and cons of borrowing more or less on the property you own. We will search the market to see if we can save you money and beat your existing rate. As part of our independent and transparent advice process, if we believe that staying with your current lender is the right thing to do, we can then help with the transition to a new rate.

Call us to compare mortgage rates.

Further Advance

A further advance allows you to borrow additional funds for home improvement/debt consolidation against a property for which a mortgage already exists. Speak to our team today to learn if this may be a suitable option for you!

Family Income Benefit

Family Income benefit is designed to provide a monthly income to your family if you were to die or you are diagnosed with a critical illness during the term of your plan. It will also pay out if the life insured is terminally ill. It is paid tax free and can also be taken as a lump sum. The benefit amount can be set to suit your individual circumstances and budget.

Retirement Interest Only

A Retirement Interest Only Mortgage could be right for you if you want to keep your payments lower than a standard mortgage and you’re happy knowing that the loan will be repaid by the sale of your home when the last borrower moves into long-term care or passes away.

Unlike regular interest only mortgages, this type of mortgage doesn’t have a fixed end date to repay the balance and because you only pay the interest your payments can be lower freeing up money to do more of the things you love during retirement.

Equity Release

Equity Release is a way for homeowners over the age of 55 to unlock tax-free cash from their home. This can be taken as a lump sum or drawdown as regular income without the need to sell your home.

Liz and Debbie are fully FCA qualified in this area of expertise and are members of the Equity Release Council which is the Industry body for Equity Release – so you can feel confident that they will choose the right product for you

What is a Trust?

What is a Trust?
The big question on everyone’s lips, what is a Trust? The simple answer is ‘A Trust is a simple legal Arrangement’. This allows you (the settlor) to gift your life insurance policy to someone else (the beneficiary). It’s a great way to ensure that your life insurance is not considered to be a part of your estate when you die, so beneficiaries won’t face the burden of inheritance tax on your life policy. For joint life policies, both of you must agree to place your policy in trust.

How do Trusts work?
Setting up a trust means that you (the settlor) give your policy to the trustees who then legally own your policy and look after it for the benefit of your beneficiaries. You will still be responsible for paying the insurance premiums, but the trustees will be responsible for keeping the trust deed and any other documents safe. They make the claim on your policy and ensure that the money goes to your beneficiaries as you intended. Trusts are flexible, which means you have control over who will benefit from your plan, as well as who’ll be responsible for making sure this happens. You can also make sure you’ll receive any benefits that you want to keep for yourself, for example any payment following a critical illness claim.

Why is setting up a Trust important?
If a policy is not placed into trust, the policy proceeds may not go to the people who you want to receive it. Without a trust, for a joint policy, the policy proceeds will automatically be paid to the survivor. However, for a single life policy not placed in Trust, there could be a delay before your spouse receives the policy money. This is because if your policy is not in Trust your personal representatives will need to obtain Probate before they can deal with your plan. This process can take a long time. Sometimes several months. Putting your plan in trust can avoid this delay. Worst case could be if you are not married, and have not made a will, your partner may not be legally entitled to the policy proceeds at all unless placed in Trust.

Speak to you adviser today about putting your protection plan in Trust.

First Time Buyer Advice

Are you a First Time Buyer with any questions or issues? Perhaps you’re daunted by the sheer size of the task facing you as a prospective new home owner. Worry not! We have a video that will answer the most common questions you may have.