Our Services
Please find below a list of the services we provide and a brief introduction to each financial product area. Our highly experienced team of financial advisers would be happy to discuss your requirements so please do contact us for an informal discussion to see how we might be able to help you.
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.
Self Build Mortgages
For those who want to build their own home, a conventional residential mortgage is not an option. Instead, the self-builder would need to apply for a self-build mortgage. Not every lender is active in the self build mortgage market and those that are, tend to charge a higher rate of interest for self build mortgages.
Equity Release
If you're over the age of 55, equity release offers you a way to use the value of your home to raise money.
There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.
Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you. Alternatively, our recommendation may be to use other forms of finance once we have assessed your situation.
A LIFETIME MORTGAGE IS A LONG TERM COMMITMENT WHICH COULD ACCUMULATE INTEREST AND IS AGAINST YOUR HOME. EQUITY RELEASE IS NOT RIGHT FOR EVERYONE AND MAY REDUCE THE VALUE OF YOUR ESTATE.
THIS FORM OF LENDING IS MOST SUITABLE FOR THOSE OVER 65, HOWEVER, IT’S POSSIBLE TO DO THIS IF YOU ARE OVER 55. IT IS IMPORTANT TO UNDERSTAND THAT THESE ARE LIFETIME MORTGAGES AND TO UNDERSTAND THEIR FEATURES AND RISKS, YOU WILL NEED TO HAVE A PERSONALISED ILLUSTRATION
Business Insurance
All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.
These days, many people are not afraid to seek compensation. No win - no fee advertisements encourage claims, and businesses need to protect themselves against liability claims that could run into millions of pounds. In addition, you could be held personally responsible and even face criminal charges if found negligent.
Depending on your specific needs, adequate insurance can help safeguard your assets, employees and reputation.
Address
14 Carlton Crescent, Sunderland Tyne and Wear, East Herrington, SR3 3PJ
Phone
