SERVICES
FIRST TIME BUYERS
It can appear daunting when buying your first home, with lenders offering special deals to help first time buyers onto the property ladder. We can advise on 100% mortgages which enable you to buy a house with no deposit and also on how you can borrow extra to cover legal fees etc.
CO-OWNERSHIP
Sometimes it can be difficult to buy a home of your own. The Co-Ownership scheme helps people to own their own homes through equity ‘sharing’, which means part-sharing and part-renting the property of your choice. Co-Ownership could be the key to your first home.
REMORTGAGES
People remortgage their homes for many reasons. One of these reasons is to release the equity on their house to use the money for other things, or they may just want a better deal than the one they have. This is a very competitive area and most lenders allow you to remortgage to a better interest rate without the need to pay any fees and saving you hundreds of pounds in the process.
BUY TO LET
Buy To Let mortgages are specifically designed for people who want to invest in the property market by buying properties for rent or resale at a profit. This method can also be used as a means to fund retirement, by using the rental income of a mortgage free property to increase your retirement income. We can arrange competitive mortgages up to 85% of the properties value.
As with any investment the value can fall as well as rise and past performance should not be used as a guide for future performance.
Please note that the FSA do not regulate some forms of Buy To Let and Commercial mortgages.
SELF BUILD
If you are thinking about building your own home, converting or doing major renovations Insurance and Mortgages N.I. can arrange finance to suit your needs with all the major lenders that specialise in this area. Subject to circumstances it may be possible to borrow up to 95% of the purchase price of the site.
COMMERCIAL MORTGAGES
Insurance and Mortgages N.I. can arrange commercial mortgages with a variety of commercial lenders for small or large businesses. We can help you find the best deal to buy property for your company in the quickest and most convenient way possible.
Please note that the FSA do not regulate some forms of Buy To Let and Commercial mortgages.
LIFE ASSURANCE
Few things in life can be less distressing than the death of someone close to you. Having Life Cover will take away the pressure of financial worry at a time when you need peace of mind. Policies are available to cover both your mortgage and family Protection.
CRITICAL ILLNESS COVER
Having Critical Illness protection can help ease the financial burden that often comes with illness allowing you the time you need to recover. Critical Illness Policies cover a range of illnesses and the lump sum paid out can cover long term care as well as repaying loans.
INCOME PROTECTION & UNEMPLOYMENT COVER
If you were to suffer from illness or injury or became unemployed, this could lead to loss of earnings. An Income Protection plan and unemployment cover can ensure your basic income needs are met until you are able to return to work.
MORTGAGE PAYMENT PROTECTION
If you were to suffer from illness or injury or became unemployed this could lead to loss of income. Mortgage Payment Protection Plans cover can ensure your mortgage payments are met until you are restored to your original financial position most mortgage payment protection pay the selected benefit for a maximum period of two years.
HOME INSURANCE
With many lenders it is compulsory that you take out a policy to protect your home if it were to be accidentally damaged and having contents insurance gives you peace of mind if your valuables were lost or accidentally damaged. Insurance and Mortgages N.I. can arrange competitively priced policies which meet your individual needs.
COMMERCIAL INSURANCE
If you are in business you will need insurance as without it your livelihood is at risk.
An unexpected loss could cause financial hardship and destroy years of hard work. We can introduce you to commercial and business insurance providers. Covers are available as either separate products or commercial packages and include public employers and product liability, commercial property insurance, loss of profits and all other business insurance covers.
Your home may be repossessed if you do not keep up repayments on your mortgage.