Hopefully what we pay out on insurance is a complete waste of money - but we can't always be sure.

You might want to consider protecting your income in case of ill health - particularly if you run your own business.

How would you meet your mortgage costs if unable to work due to an accident, sickness or unemployment?

If you died, would your family lose you AND their home?

What would happen if you or your child suffered a critical illness?

We can provide the right advice and analysis of your protection needs. Remember insurance need not be expensive.

For Mortgage Payment Protection and Buildings / Contents Insurance we usually offer products from a single 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 £595 in addition to commission which may be paid by the lender. 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 0.35%. This fee is payable on in 2 stages: £95 on application for your mortgage with the balance payable on completion. For commercial mortgages we usually charge a fee of 1% of the loan amount subject to the complexity of the proposition and the loan amount.

For advice on any of the above, Contact Us now.