Mortgage & Insurance Needs

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. We offer mortgage advice which is individually tailored to your needs. In today's marketplace, lenders are in competition with each other for your valuable business. They are therefore willing to offer incentives to entice you. But beware; you don't want them to snare you!

How we can help:

There are so many types of mortgages available that it is easy to become confused, possibly opting for the product offering the lowest headline rate of interest.

But when booking or arrangement fees, conditional insurances, higher lending charges, lock-ins, and early repayment charges are taken into account, the products may not be as attractive as you might have first thought.

Mortgage & Insurance Needs have access to a sophisticated mortgage sourcing system. It is updated daily and provides the total cost of a loan over any time period, so that lender's fees as well as interest rates can be measured.

Protection Insurance is traditionally there to help financially when the things we hope will never happen to us, do happen. It is vitally important to protect your family against a crisis. We specialise in bespoke protection plans within your specified budget.

The products we offer include:

• Life cover;
• Critical illness cover;
• Life or earlier critical illness cover;
• Family income benefit;
• Income protection.