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Here for you in uncertain times: Mortgages

Mortgages and Protection

It’s times like these that make you realise what’s truly important. The health and happiness of your family and friends will be foremost in your mind. I hope that you are all in good health and coping as well as possible during these uncertain times.
The impact of the coronavirus pandemic on our daily lives is unprecedented and it’s natural to feel an element of fear and anxiety. With this in mind, I wanted to reassure you that Ablestoke remains fully operational. We are here and available to speak to you about any concerns or queries you may have regarding your mortgage, or how you can financially protect you and your family.
You also have the reassurance that comes from knowing we benefit from the support, expertise and financial security of being part of Quilter Financial Planning, which is part of Quilter, a leading provider of advice, investments, and wealth management both in the UK and internationally.


Your mortgage

The mortgage market is complex and even more so in the current climate. If you are approaching the end of your current mortgage term, we can help you explore whether a product transfer or a re-mortgage would better suit your needs. With the Bank of England base rate at a record low of 0.1% there are thousands of products available that may enable you to reduce your current expenditure by securing a more competitive product.
Alternatively, if you are currently – or feel you will be – struggling to make payments on your mortgage, then I can also help. If you’re facing a reduction in your income there are a number of options we can explore, such as taking a mortgage payment holiday for up to three months, to help ease the burden. This option is also available for buy-to-let mortgages.

Protect your home and your family

In these uncertain times it’s vital that you financially protect you and your family, should the main earner in your household lose their job, become seriously ill, or in the worst case, die. Money provided by an insurance policy can help eliminate the risk of losing your home, and your lifestyle, especially when you and your family are most vulnerable.
While there’s no insurance that can prevent these things from happening, we can help you put plans in place to protect what’s most important to you. There are many extremely practical and cost-effective options that we can discuss. If you already have plans in place, we can make sure that they are still sufficient for your needs.
As always, if you have any questions regarding the details in this email, or if there are any other aspects of your financial situation that Ablestoke can help with, please do not hesitate to contact your adviser directly or contact The Client Care Team on 020 3463 8836 or email [email protected]