Mon - Fri 09:00-18:00 020 3463 8836

Property Wealth

Property Wealth

The biggest problem with arranging any type of finance is time - this is not only the time taken to approach the lenders who are active in the market where you need help, but the time communicating and clarifying your circumstances as you progress through the application process.

You also need time to assess which product is best for you, as it is not just the interest rate alone that needs consideration.

For example, what are the arrangement fees, redemption fees, legal fees, survey fees, overpayment options, payment holiday options, repayment methods available, duration periods of the loan, and the lender’s ability to accommodate the way that your income is currently earned and calculated?

Then, once you are in the house, how do you ensure that you protect it from being taken away from you in case of fire, theft, accidental damage, or you losing the ability to earn income to pay the debt?

Our Solutions

The foundation of our mortgage advice is built on impartial expertise.

We provide a whole of market mortgage review service.

The service doesn’t end at the recommendation – once the right mortgage has been found for you, we administer the whole application, liaising with your solicitors, accountants, and even the estate agent. We will keep you updated throughout the process.

There is also access to a wide variety of insurance providers to protect your house and contents in the event of fire, accident, or theft, and protect you in case you lose the ability to earn and pay the mortgage.

Decisions by Lenders

The decision by a lender as to whether they will lend to you, and if so how much and over what term is based on a variety of factors.

These include:
- The property – type, condition, access and location
- Employment status – amount and frequency of income (and time in your current role)
- Financial commitments – current and future (and your history of managing credit).

We save you time by researching the market and only approaching the providers most suited to you, so as to not waste time or create unnecessary credit checks.

Our role is to help

  • Ensure your money is not being wasted by paying more than you need to for your borrowings
  • Save time by choosing the most cost effective method of arranging finance
  • Retain your home and assets in the event of unforeseen circumstances (e.g. illness or accident)
Download Guide to our Services

98% of protection insurance claims presented in 2017 were paid out upon claiming2. BOOK YOUR REVIEW UK insures pay out £9.9m every day for protection policies. BOOK YOUR REVIEW £89.35 statutory sick pay is only £89.35 per week for a period of up to 28 weeks. BOOK YOUR REVIEW £68,000 the average value of critical illness claims paid in 2016 was £68,000. BOOK YOUR REVIEW 40% Inheritance Tax (IHT) is applied on assets worth over £325,000 BOOK YOUR REVIEW 8.9 of every 1,000 opposite-sex marriages end in divorce BOOK YOUR REVIEW £33,904 is the annual cost of residential care in the UK, this can rise for more complex needs BOOK YOUR REVIEW £63,224 is the average cost of raising a child between 1 and 4 (discounting private education) BOOK YOUR REVIEW £40,000 Those who receive financial advice accrue an average of £40,000 more than their counterparts BOOK YOUR REVIEW £231,843 According to research, raising a child costs an average of £231,843 BOOK YOUR REVIEW £6,000 2017 studies show that retirement income is more than £6,000 per year higher for those who plan ahead with an adviser BOOK YOUR REVIEW 137m working days were lost due to sickness or injury in the UK during 2016 BOOK YOUR REVIEW 50% of UK citizens born after 1960 will be diagnosed with a form of cancer at some point in their lifetime according to Cancer Research UK BOOK YOUR REVIEW