Mortgage Broker Warrington

Mortgage Broker Warrington

As your mortgage is probably the largest financial commitment you are likely to undertake it makes sense to seek mortgage advice, tailored to your needs and requirements, to ensure you get the best mortgage on offer. Especially for first time buyers where the whole process can seem daunting at first.

We are completely independent, which means we can source the most appropriate mortgage solution for you from a comprehensive range of mortgage products across the market. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender.

Based on the information you provide we will review the mortgage lenders available, some of which offer exclusive products to brokers such as ourselves, to determine which lender will suit your particular requirements.

As part of our review, we look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, so it ties in with your life events such as your intended retirement date or when you plan to start a family.

A mortgage is a loan secured against your home. your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

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Protection

We offer the following protection solutions…

Life Assurance

A Life Assurance policy pays out a sum of money when the person covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.

The type of Life Assurance and the amount of cover will depend on an individual’s particular circumstances and requirements. Factors to consider will include age, health, dependants, level of income and financial liabilities.

While the overall concept of Life Assurance is fairly easy to understand, there are some complexities. Most importantly, there are different types of Life Assurance products, covering Term Assurance, Whole of Life, Endowment policies and others.

Private Medical Insurance

Without Health Insurance an illness or accident can have serious long-term financial implications for you and your family. Knowing that the regular household payments will be made and your financial commitments met during a difficult period in your life can offer peace of mind for the future.

Most people are aware that Health Insurance can cover the cost of private medical treatment for any conditions you may suffer in the future; a broken bone or a heart attack or cancer. However, there are other types of Health-related Insurance policies that are worth consideration such as Critical Illness and Income Protection. Some of these policy types cover the scenario where you are unfortunately unable to work because of illness or injury.

The range of coverage varies depending on the type of plan, and as with any type of insurance, there are exclusions and limitations.

To understand these, you would need to read your policy to find out what is covered and what is not. To discuss your life assurance or medical insurance requirements, please call our office today to talk to one of our advisers.

These plans have no cash in value at any time and will cease at the end of the term. if premiums are not maintained, then cover will lapse.

Plans may not cover all the definitions of a critical illness. the definitions vary between product providers and will be described in the key features and policy document if you go ahead with a plan.

Get In Touch Today

If you’d like to speak to us and need professional mortgage advice, please don’t hesitate to get in touch today. We look forward to receiving your call or email.