Life is complicated enough when you are fit and well, with a steady income ....
 .... and no one needs added financial pressures should you or a loved one die, become seriously ill, or lose a job.
Protection insurance should be at the heart of your financial security.
We insure our cars, our homes and our contents, we insure our holidays and often our pets, BUT often the most valuable item in the household is overlooked - YOU!
We can tailor an insurance menu to fit your circumstances at a budget you are comfortable with.
Insurance can't stop the unthinkable happening - but it can make dealing with the consequences a little easier.
* * *
We do NOT charge a fee for insurance advice and may receive commission from the provider.
Your property may be repossessed if you do not keep up repayments on your mortgage.
For Residential and Buy to Let mortgages we charge a fee of £695 for advising on and arranging your mortgage. This fee is payable in 2 stages: £195 non refundable application fee with the balance due on production of an offer and payable on completion of the mortgage or 60 days after the date of the offer (whichever is sooner). The lender may also pay us commission.
Alternatively we can work on a pure fee basis of 1% of the loan amount for our services and we will refund to you any commission we receive from the lender, subject to a minimum fee of £1500. For example, if your mortgage were for £100,000 the fee would be £1500 and you would receive back any commission we receive from the lender which is usually in the region of 0.30%. This fee is payable on in 2 stages: £195 on application with the balance payable on completion of the mortgage or 60 days after the date of the offer (whichever is sooner).
For Commercial Mortgages we usually charge a fee of 1.5% of the loan amount. The fee is negotiable and is subject to the loan amount and the complexity of the proposition. If we receive a commission from the lender we will let you know the exact amount, and may refund an element of this to you.
* * *
For further help and advice CONTACT US now!
.
© 2005 Debbie J Boyes - Professional Mortgage Advisors
|
