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FREE fully independent financial advice!!!
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We at Property People have teamed up with One Stop Mortgage Shop to offer a bespoke
service o cater for all your financial needs.
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First Time Buyers
We believe that First Time Buyers often need extra help and attention due to their
inexperience when it comes to the mortgage market. As well as guiding you through
every step of the house buying process we can give you advice on general budgeting
and managing your money – important when taking on a big commitment like a mortgage.
House prices have tumbled over the last 12 months and many desirable properties
are now well within the grasp of many prospective FTB’s. Why not arrange an appointment
today to see what properties are within reach. |
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Remortgages
Remortgaging describes the process by which you move from one lender to another
usually when your tie in period finishes. On most occasions you can find a more
competitive deal by switching lender and this is where the services of an independent
broker is vital. With expert whole of market knowledge and access to the latest
deals from every major lender in the UK, we will endeavour to find a mortgage that
ticks all of your boxes. Remortgaging can also be an opportune time to release some
of the equity in your property which can be used for various purposes ie debt consolidation
or home improvements.
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Mortgage Calculator |
Buy to Let
Over the last few years there has been an explosion in the number of people buying
property which they intend to keep by way of an investment. The aim is to let the
property with a view of that property appreciating in value in the long term and
possibly providing an income or cash in retirement. Many Buy to Let properties are
purchased instead of or to accompany a pension plan. At Property People we can source
a suitable property, arrange the buy to let mortgage, find the right tenant and
provide a complete management service. We truly are a one stop shop for landlords/investors
and it is an aspect of our business that has experienced unbelievable growth in
2008.
Commercial Finance
Commercial finance is becoming increasingly difficult to obtain as traditional lines
of credit dry up. If you need this type of credit i.e. to purchase a business you
will almost certainly need the services of an independent broker. One Stop Mortgage
Shop have extensive contacts in the commercial field and are constantly searching
for new lenders who are still willing to do this type of lending.
Life Insurance/Critical Illness
Every couple that have or are thinking of taking on a mortgage should have this
debt protected by an insurance product. The easiest way to do this is by purchasing
a life insurance policy with integrated critical illness. This is a policy that
will pay out a sum of money – usually the balance of a mortgage, either when you
die or are diagnosed with a critical illness i.e. a serious form of cancer. A policy
like this gives you peace of mind that if you were to die or be diagnosed with a
serious illness your partner or spouse would not be left with a debt that they could
not afford to pay. Again we can shop around between the major providers to find
a policy that suits your budget.
Landlords Insurance
When you let your property out, more often than not you will need a more specialised
insurance policy than your typical buildings and contents policy. Because the property
will be viewed as a business it will automatically exclude you from the majority
of mainstream policies. Landlords need a policy that will cover tenant liabilities
etc.. and we can shop around for you to find the most competitive Landlords insurance
policy.
Click here for an online quotation
Income Protection
A symptom of the credit credit crunch has been an increasing number of redundancies
that is happening across almost every sector of the economy. We could arrange an
income protection policy that would pay a fixed sum every month in the event of
sickness or unemployment (redundancy)
FREE fully independent financial advice!!!
These are just some of the areas on which we can offer advice. We will not charge
a fee for appointments so if you require advice on any financial matter please not
hesitate to call on 02890 747300 to arrange a meeting or simply click on the link
below to arrange a meeting at your home, in the Property people office or a One
stop mortgage shop branch convenient to you |