Buy-To-Let mortgages

We provide advice on Buy-to-Let (BTL) Mortgages, whether you are starting out or expanding your property portfolio. Most BTL properties are interest-only mortgages, which would mean monthly repayments will only pay off the interest. Buy-to-let mortgages are available up to 80% loan to value, subject to status, valuations, and rental yields. 

Standard Mortgages and Re-mortgage

If you’re a First Time Buyer, a home mover looking to climb the property ladder, or simply looking to re-finance and secure a new product or a lower interest rate, we can provide you with the right advice.

Capital raising is allowed for most legal purposes, so if you are looking to fund some home improvements, or even raise the deposit for a new investment property or holiday home, then we can help find the most suitable product for your needs. 

Non-Proprietor Mortgages

Whether we call it Income Booster, Joint Borrower, Sole Proprietor, or JBSP, what’s clear is this could be a way for parents, guardians, friends or family to support buyers, and tackle the affordability challenges faced when getting onto, or moving up the property ladder.

A Non-proprietor Mortgage is a mortgage where all individuals are mortgage borrowers, but only named owners own the property. All borrowers are jointly and severally liable for repaying the mortgage, but only named owners are the legal property owners.

International Scope

We can arrange loans in different global currencies either in your domestic market or London to take advantage of lower rates or a more flexible lending policy.

Life Insurance

Life insurance will pay off your entire mortgage and can also provide a lump sum depending on the product you choose. This will give you peace of mind that your dependants will be protected financially in the unforeseen event that you pass away.

Income Protection

Would you or your dependants cope in the event of your long-term illness or disability? Income protection will provide you with a regular percentage of your income to maintain your lifestyle, until the point where you are able to return to work, retire or pass away.

Mortgage Protection

Mortgage Protection is designed to help protect a repayment mortgage so the amount of cover reduces in line with the decreasing debt.

Whole of Life insurance

Whole of Life insurance provides a guaranteed, tax-free lump sum to your beneficiaries when you die, covering the rest of your life rather than a fixed term. It can be used to cover final expenses like a mortgage, bills, funeral costs, or to help with inheritance tax. Unlike term life insurance, which has an end date, whole of life policies are permanent as long as premiums are paid.

Home or Landlord Insurance

Protect your home and belongings in unexpected events such as fire, flooding or theft. Depending on the cover you choose you will be protected against the cost or repair, replacement or rebuilding

Critical Illness

Receive a lump sum in the event of you being diagnosed with a specific illness or medical condition during the term of your policy.

Director’s Life Insurance

Directors’ life insurance, also known as Relevant Life Insurance, is a tax-efficient life policy for limited company directors and employees where the business pays the premiums as an allowable business expense, avoiding benefit-in-kind tax and providing a tax-free lump sum to beneficiaries upon the director’s death or terminal illness.