We're not here to sell you something.
We're here to support you.
Buying a house. Starting a family. Moving on from a divorce. Building your business.
These are big life decisions. And they often need careful financial planning. We’ll be by
your side to guide you through the next steps. And to help make your money go further.
What's your starting point?
Mortgage
Standard and buy to let mortgages. First time buyer mortgages. Self-employed mortgages. Shared ownership mortgages. Searching for the right one can be like looking for a needle in a haystack. We take away the hassle and make sure you have appropriate options in front of you. That way you can find the best broker, the best mortgage and the funds to live your dream.
Residential mortgages
With so many to choose from, we’ll go through the pick of the bunch and explain the differences. We’ll also come and visit you if you need us to. It’s all part of our mortgage advice service and something we know our clients appreciate. Just like our honesty and understanding. And if you’re new to the UK? We’ll provide the kind of detailed advice thats invaluable when you’ve only been in the country a short while.
Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it.
Commercial and buy to let mortgages
We believe that finding this kind of finance shouldn’t be about which products are on the market. It should be about you and your goals. Since any commercial or buy to let mortgage is a big financial commitment, we look at all your options. We take you through the fine print and repayment plans. And we help you navigate all the rules. As a whole of market adviser, you can be sure that what we recommend is unbiased and tailored to you.
Commercial and certain Buy To Let mortgages are not regulated by the Financial Conduct Authority.
Equity Release
We know that the extra money can be life changing. Whether to help your family, make home improvements or allow you to travel. Yet with any kind of equity release there’s a lot to think about. We’re here to help you make sense of it all. That way you can release equity in a way that suits you.
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration.
Insurance
Insurance is there for when you need it most. Still, many people struggle to decide what’s right for them and then put it off. So we’ll take the hassle away out of finding the right insurance. We’re not tied to one provider or another. It means you’ll receive truly independent advice from people who have your best interests at heart.
Critical Illness
Life-changing illnesses are physically and emotionally draining. Money worries are the last thing you need. Critical illness cover gives you a lump sum in the event of a diagnosis. As many people go on to make a full recovery, the pay out can help cover any lost income while you focus on getting better. And we’ll be sure to find the kind of cover you’re happy with.
Life Insurance
Losing a loved one is always hard. It’s even harder when you’re raising a family or building a home together. Life insurance can help. Whether you need cover as a couple or as an individual. Or whether you would prefer regular payments to a one-off sum. We can talk you through what’s out there so you gain that all-important peace of mind.
Income Protection
It can be hard paying the bills if you’re unable to work due to illness or injury. When you’re self-employed or don’t have company sick pay, it can be difficult to make ends meet. But we can help you find a sensible and affordable income protection plan so you have enough to get by. That way you can get back to work because you’re ready and not because your bank balance is too low.
Business Finance
Development Finance
Short-term loans are becoming more and more popular. You could be looking to renovate or refurbish your premises. You might want to buy a single residential property. Perhaps you’re considering building large-scale, multi-unit residential complexes. Whatever you’re looking to achieve, we can help you find the development finance that could make all the difference.
Commercial Finance
There are plenty of advantages to using commercial finance. It can allow you to invest in assets, take on new staff or keep a healthy cash flow. It can also help you save paying rent to someone else. And there are tax benefits too. We have access to a huge range of finance products specifically designed for businesses like yours. And we’ll talk you through how to benefit from a lower rate.
Business and commercial finance is not regulated by the Financial Conduct Authority.
Business insurance
Business Insurance
There are many different types of business insurance. But most businesses need the basics, like General Liability and Commercial Property insurance. We’ll pick out a number of options based on what you need and help you with the applications. That way, you’re covered if you ever face loss, damage, injury or legal action.
Business Protection
Every business has a responsibility to insure its buildings, contents, stock and materials. However, it’s just as important to cover your biggest asset: you and your key employees. We’ll identify the best types of insurance for your business and personnel. Then apply for the right policies, like life insurance and income protection, so you and your employees gain peace of mind.
Will
Writing a will is an important way of ensuring your wishes are followed through. Sadly, many people never get around to it. We know it can seem like a daunting task. But it really doesn’t have to be hard or time-consuming.
The Money Guardian are an appointed representative of the New Leaf Will Writers Federation.
Will writing is not regulated by the Financial Conduct Authority.