WHAT WE DO

Mortgages

• Purchase
• Re mortgage
• First time buyer
• Buy to let and let to buy
• Self-build and New Build
• 95% mortgages

Commercial Finance

• Commercial Mortgages
• Bridging Finance
• Property Development Finance
• Commercial Remortgages

Life & Health Insurance

• Income Protection
• Life Insurance
• Critical Illness Insurance
• Accident, Sickness & Unemployment
• Private Health Insurance

Commercial Insurance

• Key Person Protection
• Relevant Life
• Business Loan Protection
• Whole of Life

Shareholder Protection

• ‘Life of another’ policy
• Company share purchase
• ‘Own life’ policy held under business trust
• Partner, LLP & Directors Share Protection

Building and Contents Insurance

Home insurance is a general term used to describe two very different types of insurance: Buildings insurance – for permanent fixtures and fittings, like kitchens and bathrooms . Contents insurance – for things you keep in your home, like furniture, TVs, personal belongings and some types of flooring.

Overview

Commercial Finance

Finance can be arranged for any specific purpose such as a
new purchase, refinance, rebanking or additional working capital. This can be part of a larger funding requirement such as Management Buyout or Corporate Acquisition.

Our Commercial Mortgage Consultant has a background in the banking sector and can often add experience and advice to clients in respect of structuring a deal.

Our focus is on providing a high quality, personal service - helping our clients to attain: commercial mortgages, and property development / investment finance that meet the requirements as completely as possible. With relationships built up over the years with finance lenders and a detailed knowledge of the marketplace we can help you to secure finance even when other brokers or banks have failed.

Bridging Loans

Short-Term Bridging Loans can be quickly arranged. A list of the applicants assets and liabilities will however be required and a firm source of repayment through either a property sale or and alternative offer of finance.

Residential and Commercial Property:

Up to 70% of Open Market Value
Any purpose
Interest rates vary depending on the proposal

We have access to the best rates for bridging loans, development & commercial finance making us able to deliver affordable quick finance.

Mortgages

Lenders obtain most of their mortgage business via brokers rather than through their branch network or direct (source: Council of Mortgage Lenders).

Through Mortgage Networks and Clubs we have access to exclusive mortgage deals and products that are not available by applying to the lender direct. These can be cheaper rates, lower fees or incentives such as cashback or a free valuaton.

There are also lenders who only offer products through brokers and that the public cannot obtain on their own. We have built up relationships with several lenders over many years to obtain exclusive rates for our clients

Insurance

Income protection insurance

provides a monthly replacement income of up to 70% of your gross annual earnings to cover your essential outgoings should you be unable to work due to accident, sickness and/or unemployment.

Life insurance

provides a lump sum payment should you pass away. You can opt for level or decreasing cover which protects your loved ones financially, enabling them to pay off your mortgage or any other debts should the worst happen.

Critical illness cover

provides a lump sum payment should you suffer a critical illness such as heart attack, cancer or stroke. Most policies cover over 40 critical illnesses, all of which are defined within the insurers terms.

Building and Contents Insurance

Buildings insurance is a legal requirement for homeowners that own freehold property.

A policy should provide funds to rebuild your home in the event of it being totally destroyed or damaged to the point that complete rebuilding is necessary. Some policies only cover market value, so be sure to check. The policy could also cover against damage caused by events beyond your control including:

Storm and flood damage
Burst pipes and other incidents of water leakage
Fire, smoke and explosions
Subsidence
Vandalism or third party damage

Contents insurance gives protection to anything that is not a fixed part of your home, for example your appliances, electronic goods, furniture and clothing. Most home contents insurance policies will even cover the contents of your fridge and freezer. Policies are advisable for homeowners and tenants while landlord contents insurance can be limited if the property is let unfurnished or part furnished.

Your home contents insurance could also include cover for some items you take away from the home such as bicycles or prams and even the contents of your handbag. Clothing items, watches and mobile phones can also be covered along with sports equipment. The key is to check your policy and never assume that items are covered.

Private medical insurance

provides you with access to private health facilities throughout the UK. It is designed to ensure you are diagnosed quickly and receive the best possible treatment so you can make the speediest recovery.

Shareholder Protection

‘Life of another’ policy

This method is generally adopted when a business is run by just two shareholders. Both parties apply for a policy on the life of their fellow shareholder. This should represent the value of their current shares in the business. Each shareholder pays the premium out of their own pocket to avoid tax and national insurance. Should a shareholder die, insurance is paid to the surviving policy holder who can then use the funds to purchase shares from the deceased shareholder’s family or estate. The surviving shareholder will then be the sole owner of the business.

Company share purchase

Under this method of shareholder protection insurance the company itself (as opposed to the surviving shareholders) purchases shares back from a deceased shareholder. Once established, the company takes out policies on all the shareholders. The value of the policies should match the value of each investor’s shares. As the company itself pays for the premiums, it receives any funds in the event of a shareholder death.

‘Own life’ policy held under business trust

This method sees each individual shareholder take out their own policy held under a business trust. This should equal the value of their shares and can be drawn up as on a fixed term, or up until retirement. Should a shareholder die, other shareholders can then use policy pay-out funds to purchase their shares. Shares are divided equally among surviving shareholders.