MORTGAGE ADVICE
Securing your finance
Let’s be honest, with more businesses moving more online and with the wide use of smartphones, there are many different tools available to search the mortgage market and see what’s available. What isn’t always easy, is knowing whether that mortgage or that decision is right for you and your circumstances, or knowing what to do next. This can slow down the process of finding the right mortgage, in turn increasing costs, time and stress. Our team is here to guide you every step of the way, ultimately helping you choose the most suitable product for your needs.
How do you decide between a tracker and fixed-rate mortgage? Should you be on interest-only or a capital and repayment product? Would an offset mortgage be more appropriate and what is an off-set mortgage? What term is best for you? How can you pay your mortgage off early? If any of these questions apply to you, then we can help. Call us, or use our online booking system to arrange your appointment and we'll talk you through your different options.
We’ll meet when it’s convenient for you, take the time to understand your financial situation and put together the necessary documents to start the application process. Our aim is to make sure your purchase or remortgage runs smoothly and efficiently. This often involves dealing with the banks on your behalf, chasing your solicitor for progress updates and, where appropriate, keeping your estate agent informed.
When you’re ready to take your mortgage journey one step further Book an Appointment and Let’s talk about how we can help you get there
Your home may be repossessed if you do not keep up repayments on your mortgage
LIFE INSURANCE
Protecting you and your family
Your lifestyle almost certainly depends on your earnings, and without a steady income, your life would likely change beyond recognition.
From affording everyday essentials such as food and utility bills, to paying for cars, holidays, hobbies, pensions and savings, everything relies on a constant income, even during a period of illness. Any dependants you have, such as your spouse and children, would also find their lifestyle affected if they could no longer access your income.
We appreciate this isn’t a subject most people want to think about, but it makes financial and practical sense to take precautions in the event of illness, unemployment or your death. Choosing the right products to achieve this means enlisting the help of an expert and that’s where we come in.
Matt and Rachel understand the importance of insurance personally, following Rachel’s diagnosis with cancer in 2017. The critical illness cover they had in place meant they could continue their business and lives while Rachel underwent treatment, getting the all-clear in 2018. It is therefore very important to Matt that every client is offered:
• A life insurance policy that would clear their mortgage
• A life insurance policy that would provide income for their family
• Critical illness cover to pay for any treatment
• An income protection policy to replace their income if they’re no longer able to work
To read more about Protection insurances read our Protection vs life insurance blog.
We offer impartial, straightforward advice based on what you might already have in place (company sick pay, existing policies, etc.) and we work with a large panel of reputable insurers to make sure we get you the best possible deal.
Please do get in touch for a full protection review. Our team will ensure you understand exactly what products are available and why they might be suited to your needs. This way, if the worst should ever happen, your financial situation can be one less burden on you and your loved ones.
BUILDINGS & CONTENTS INSURANCE
Safeguarding your possessions
If you’re looking to protect your home and its contents, or a portfolio of properties, we have a solution that suits your individual needs. Choosing insurance isn’t just about finding the cheapest premium, it's about making sure you have enough cover in place with a provider who will be there if you ever need them.
Comparison sites might seem like a quick and easy way of receiving multiple quotes, but what they don’t always guarantee is quality of cover, or a thorough explanation of exactly what your policy will include. We have access to a range of providers who can offer everything from standard to more complex policies.
All of our providers have a 5 Star Defaqto rating mean they offer excellent products with a comprehensive range of features and benefits. A Defaqto Star rating is not based on customer reviews but rather it’s an expert assessment and rating of financial products. Defaqto Star Ratings are updated each year on February 1st.
Our team recognises that everyone's requirements are different, so contact us to receive your tailored solution at a competitive price.
We are also able to offer Will and Estate Planning services through our partners. For more information please visit 3Sixty Estate Planning*.
*This page will take you away from the regulatory site of 3Sixty Financial Solutions. Neither 3Sixty Financial Solutions or PRIMIS Mortgage Network is responsible for the accuracy of the information contained within the linked site.