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June 2024

What insurance do you need in place to buy a home?

Home Movers |

You’ve secured your pre-approval and found your new home. But have you got your insurance in place? There is no legal requirement to take out insurance when you get a mortgage except for Buildings Insurance. But basic insurance is still needed before you move in! At the minimum, your lender will want to see Building Insurance. After all, it’s their investment, too.

Have you heard of the 99% mortgage?

First Time Buyers, Mortgage tips |

As you might have guessed from the name, a 99% mortgage allows you to take out a mortgage with only a 1% deposit. This could be a fantastic opportunity for those struggling to buy a house. Think renters who already pay what they would in rent. Or those who can cover repayments but can’t save enough of a deposit in time to buy a house.

May 2024

Is wedding insurance important?

Saving Money, Wellbeing |

There is no hiding that weddings are expensive. Using many vendors and venues carries risks. Wedding insurance covers the run-up to the big day or the day itself. However, a change of heart or cold feet won't count. What does wedding insurance typically cover?

A wedding of a lifetime, covered by equity release

Equity Release, Homeowners |

Did you know you can use equity release for gifting? Also known as a lifetime mortgage, you can help your children/grandchildren have the wedding of their dreams. It may also fund your income for the year. So this could help you take time off to help the kids. Or help you plan and enjoy your own wedding.

Do you worry that you may not get access to the best medical care?

Wellbeing |

The NHS provides comprehensive treatment to anyone. Regardless of their ability to pay. However, with extended wait times and limitations of what's available. Private care can bridge the gap. Health insurance covers planned consultations, treatments, and operations. But you may need to watch out for creeping expenses. We explain how it works, what to watch out for. And how to keep costs as low as possible.

Why four in five young adults are considering critical illness cover

Protection, Wellbeing |

Four in five young adults consider taking out critical illness cover (CIC) once they understand the product. But the biggest holdback is understanding CIC—or even hearing about it! Critical illness cover can help protect your family should you fall ill or need medical treatment. This cover ensures the bills are paid while putting food on the table if you cannot work.

First-Time Buyers: Frequently Asked Questions

First Time Buyers, Mortgage tips |

Do you know the difference between a fixed and a variable mortgage? Have you heard of 'loan to value'? Are you curious about what help is available for first-time buyers? Or are you a supportive parent who wants to help your loved ones with their first purchase? The easiest way to get quick answers to all these questions is to hit the 'Contact Us' button. But in the meantime, here is a quick guide to this exciting process of becoming a homeowner. (Feel free to forward the article...

April 2024

Fact sheet: travel insurance

Wellbeing |

No one wants to think about what could go wrong on holiday. But medical emergencies, cancellations, and lost or stolen luggage can happen. Don't let an unexpected event ruin your travel experience. Travel insurance provides you with peace of mind! In the UK, there are several types of policies available. So, you can forget your worries and enjoy your holiday!

Are you covered through your protection policy for overseas treatment?

Wellbeing, Protection |

Did you know, you and your children can be covered for overseas treatment through your protection policy? We are fortunate to have incredible access to the NHS. However, outside the UK, there may be more access to experimental research and innovation. We’ve seen in high-profile cases that effective or lifesaving treatment can be available overseas. But people are turning to crowdfunding to cover the cost.

How to release equity for a trip of a lifetime!

Equity Release, Homeowners |

Are you finally ready to take that dream holiday you’ve been thinking up for years? We are here to discuss how releasing equity can help you get there. A Lifetime Mortgage allows homeowners aged 55 and over to access value. It can provide you with a lump sum or regular income. Here's our step-by-step guide on how to plan the trip of a lifetime:

Stay Informed: Mortgage Tips & Trends

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Let’s Look at Private Medical Insurance and Hospitals

In the UK, the connection between your private medical insurance and hospital choice depends heavily...

2026 Insurance Update

The UK insurance market continues to evolve, shaped by technology, climate pressures and regulatory ...

What Are the Most Common Reasons for Later Life Lending?

In recent years, it has shifted from a "last resort" financial product to a strategic, mainstream pl...

Beyond Diagnosis: The Case for Financial Protection

We all know getting regular health checkups is important. A diagnosis like cancer or heart disease c...

From First-Time Buyers to Remortgagers, What New Products Are Out There for You?

It’s a busy time for changes in the mortgage world. Are you up to date? We are seeing lots of excit...

When Your Health Insurance Policy Is Due for Renewal – And What Happens Next

In the UK, most private health insurance policies renew annually, usually on the anniversary of your...

Heading Away this Winter? Protect Your Home and Car While You’re Gone

Are you one of the lucky ones heading abroad this winter? Whether for a skiing trip or basking in so...

Gifting A First-Time Buyer? Maybe Equity Release Will Help

You might have heard of equity release, but did you know it’s a practical and increasingly common w...

Why Protecting Income Matters More Than Ever

We read something shocking recently. Recent figures show that around 40% of UK adults have less than...

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

We also receive a commission from the lender that will vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed. If we receive a commission, this will not affect the cost payable by you.

THINK CAREFULLY ABOUT SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

BUY TO LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY.

EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

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