Our Services
Mortgages
We provide whole-of-market mortgage advice to professional clients, including those working in banking, law, IT, accountancy and management consultancy. As a result of our client’s diverse needs and backgrounds, we have developed particular expertise in the following areas:
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.
Guarantor Mortgages
Arranging loans with a third party named on a mortgage application is a Guarantor Mortgage. They are required to sign a legal document and agree to cover the monthly repayments if you do not maintain them. But they will not own or have any interest in your property and will not be named in the Title Deeds.
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.
Not sure which mortgage works for you?
Contact our experts for personalised guidance now.
Insurance
It’s important to prepare for any eventuality, whether protecting you and your loved ones or insuring your property and assets. Whilst convenient, using comparison sites can often result in details being overlooked and inappropriate policies being purchased. Our insurance specialist will conduct a comprehensive review of your needs, providing clarity and presenting the most suitable options according to your requirements. We manage your application from start to finish and can provide a financial review every two years, to ensure you have the most appropriate policy available.
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.
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.
At Constance Mortgages and Protection, our services do not end here. We strive to build lifelong connections with our clients and offer them the best financial advice outside of mortgages. With a trusted network of legal advisors, surveyors, etc., we can guide you with seeking help from – solicitors, property conveyancers, surveyors, etc.
Constance Mortgages and Protection, Level 37 – One Canada Square, Canary Wharf, E14 5AA.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR PAYMENTS.
Constance Mortgages and Protection is a trading style of Constance Finance Limited. Constance Finance Limited is an appointed representative of Paul Isherwood Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Registration number: 994273