Mortgage & Protection

How We Do It

With many thousands of different mortgage products available in the UK, it is hardly surprising that finding the one that best suits your particular needs can be a challenging task. This is partly because so many competitive mortgage deals are not available from mainstream lenders in the High Street. Lots of exclusive brands are only available through professional mortgage brokers and as mortgage products are changing daily, often with special offers, discounts and limited availability, what was yesterday's best buy might easily be beaten or withdrawn tomorrow. This is where we come in.

Our aim is to find you the best mortgage available to suit your needs and help sort all the paperwork so that everything goes as smoothly as possible. Our services are wide ranging, from first and second time buyers to remortgaging, releasing capital, mortgages for buy to let * landlords and overseas mortgages **. We also consider commercial finance along with secured * and unsecured loans. We will also recommend how best to arrange adequate safeguards to ensure your mortgage would be repaid in the event of unexpected financial hardship. For example, in the event of your untimely death, diagnosis of a critical illness, long term sickness or unemployment ***. We can even find competitive buildings and contents cover for you.

*** The cost of Payment Protection Insurance will vary depending on your individual circumstances. An average example of the cost of monthly premiums would be £14.34p for every £100.00 of Monthly Benefit.

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against loss of income. For impartial information about insurance please visit the website at www.moneymadeclear.org.uk

We try to keep everything under one roof to make life as easy for you as possible and can even help find:

local solicitors
licensed conveyancers

Our job is to find and recommend the best deal available to suit, not only your current financial needs, but also taking into account any lifestyle changes that could affect your circumstances in the future. We are committed to offering the highest possible standards of service and are pleased to support the Financial Conduct Authority initiative ‘Treating Customers Fairly’.

Our commitment to you is to:

  • provide you with clear information about the products and service we offer, including fees and charges
  • ascertain your individual needs, preferences and circumstances before recommending a mortgage
  • only recommend a mortgage that we consider suitable for you and that you can afford – and always the most suitable from the available options
  • not recommend a mortgage if we can’t find one we consider suitable
  • encourage you to ask if there’s something you don’t understand
  • give you access to a formal complaints procedure should you become unhappy with our service




* The Financial Conduct Authority does not regulate some forms of Buy to Let, Secured Loans, Commercial Mortgages, Will Writing, IHT Estate Planning or Commercial Insurance.

** For overseas mortgages, Changes in the exchange rate may increase the sterling equivalent of your debt.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstance but we estimate it will be 0.2% (for example £100 on a £50,000 mortgage advance) and is payable upon completion.

The advice and/or guidance contained in this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact

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**You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 1998. You agree that such information may be used to provide you with details of services and products in writing, by email or by telephone.

77%
of UK parents with children under 5 DO NOT have a Will.

"This information has been sourced from the Aegis Wealth Web Site"