Services

There are dozens of lenders offering you hundreds of different mortgage products. I have access to exclusive deals from the UK's largest mortgage club which are updated everyday.

How I work with you

• Assess your needs and calculate how much you can borrow
• Find a suitable lender for you & obtain a decision in principle
• Ensure you get the best possible deal
• Advise you every step of the way
• Take care of the paperwork
• Advise and arrange your Protection & Insurance needs


Below you will find details of the services that I offer, please feel free to call me to answer any questions that you may have.

Mortgage & Remortgages

Life Insurance

Protect you, your family and your income. I am able to advise you on the various protection options available to you that can offer you and your family peace of mind in the event of; death or diagnosis of a critical illness. You can also protect your income if your unable to work due to accident or injury.

A Decreasing Term life insurance plan is the most basic form of life insurance and in most cases is the cheapest way to insure your life. It covers you for a fixed period to normally match the mortgage term. It pays out in the event of death of the policy holder.

Some of these type of 'Term" policies will allow you to add on additional cover options, such as 'critical illness cover'. Critical illness cover is designed to pay out on diagnosis of a qualifying critical illness or on death during the policy term.

This type of policy is for those of us with dependents or for those that want to leave a lump sum in the event of their death within the specified cover period. This is usually designed so that it covers the cost of the entire remaining mortgage balance, which is extremely important if you have young children or dependents as their financial interests will be protected if the worst was to happen to you or your partner.

In addition and as a cheaper alternative you can also take Family Income Benefit which pays income benefit rather than a lump sum in the event of death.
(As with all insurance policies, conditions and exclusions will apply).

Critical Illness Insurance

Critical illness cover is designed to pay out on diagnosis of a qualifying critical illness specified in policy schedule. It can normally be added on to a 'life insurance' policy as an additional benefit or as its own standalone plan.

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often 'bolted on' to a life assurance policy as an additional benefit but can also be a standalone plan.

This type of policy is for those of us with dependents or for those that want to leave a lump sum in the event of their death within the specified cover period. This is usually designed so that it covers the cost of the entire remaining mortgage balance, which is extremely important if you have young children or dependents as their financial interests will be protected if the worst was to happen to you or your partner.
(As with all insurance policies, conditions and exclusions will apply).

Income Protection

Income Protection is a type of policy that will pay out a regular income if you were unable to work due to illness or accident that prevents you from. Being able to work. The income is continuous and will remain for the duration of the policy term or for as long as you are unable to return to work. The term is normally designed to typically match your anticipated retirement age.

Income Protection can be crucial to a household in these events as it is likely that any other policies will have to be given up if there is simply not enough household income to keep up repayments of the premiums.

This type of policy is for anybody that is working, whether that be in an employed or self -employed capacity. In many cases your employer will provide sick pay but it is unlikely that it will last longer than twelve months. In this case ongoing protection of your income is essential. These plans can be tailored to match any other existing protection that you have or intend to take out.

As your advisor, I will guide you through all of the options available to you and design a solution for you and your family to give you peace of mind.
(As with all insurance policies, conditions and exclusions will apply).

Building & Contents Insurance

Having buildings insurance is an essential requirement for anybody that is taking out a mortgage and is part of the terms and conditions your lender sets out.

Insuring your possessions and the Contents of your property is also an important factor to consider to protect you against unfortunate unexpected events such as a fire or theft. I can arrange competitively priced cover that offers you the necessary protection for you and your property.
(As with all insurance policies, conditions and exclusions will apply).

Mortgage Protection

Mortgage Protection is for people that are worried about being able to keep up their mortgage payments in the event of losing their income due to accident, sickness or unemployment.

It is extremely important for you to take advice when taking out this type of policy to ensure that it is the most suitable option for your protection needs.
(As with all insurance policies, conditions and exclusions will apply).