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Services

Mortgages

We can offer you all the services you may need for a mortgage – from the foundation (the research) all the way to the final signature – you can count on us. Swift work and deliverance of results are the mottos we stand by when doing business. Please do keep in mind that failure to keep up with payments may result in the repossession of the property, of which we can not be held accountable.

General Insurance

We have access to a number of general insurance platforms providing crucial cover from a selection of insurers to protect your mortgage, family, home, contents and business.

Life and Health Insurance

We provide information and services to help you understand which life and health insurance would be best for your needs on our protection focused website Need2Protect.com. Please use the link below to find out more information.

F.A.Q.

There are two main types of mortgages;

Fixed Rate Mortgage and Variable Rate Mortgage. A Fixed Rate Mortgage means that your interest amount is fixed for a period of time (usually two to five years) therefore your repayments don’t change.

A variable rate mortgage means the amount of interest you pay can change, and therefore so do your repayments.

A repayment mortgage is guaranteed to pay off your mortgage by the end of the term as long as all payments have been made.

An interest only mortgage is where your monthly payments are only covering the cost of the interest and your loan amount will remain the same.  At the end of the term, you would either need to sell the property to repay the mortgage or find another source to repay the loan.

 

As a minimum, the building itself needs to be insured.  We would usually recommend that you also insure the contents within your home too.  Other insurances we recommend are life insurance and income protection insurance, all of which are quoted from across the whole of the market.

Yes, however you could have early repayment charges to pay if you have only had your mortgage product for a short amount of time.