Whether you’re looking to insure a residential property, buy your first home, remortgage, borrow in later life, or release money from your home, we have specialists who can help you to find the best solution for you.
Whether you’re looking to buy your first home, remortgage at better rates, borrow more or purchase a Buy to Let Property, our Mortgage Advisers can help you. Even if you have adverse credit history or specialist lending requirements, we specialise in finding solutions including:
While Mortgages can be a complicated and confusing area, we can give you peace of mind knowing the details are taken care of, and importantly that you will get the right product for you.
There are a whole host of products on the market now for borrowers aged 55 and over. If you have an interest only mortgage, or if you have accumulated debts, the Later Life Lending route is an option to consider. You can also buy a property with Later Life Lending, it is not just for re-mortgaging.
Borrowing can be serviced with regular or ad hoc payments. This route can also be used for IHT and Care Planning.
As a homeowner, you may find a large amount of your total wealth is tied up in the value of your home. While for many the desire to pass their home on to loved ones means they don’t consider Equity Release, it is not an area to be overlooked. For the right situation, it can be a lifeline and improve your quality of life at the time you need it the most.
Speak to one of our specialist advisers to find out whether this could be something worth considering for you.
Equity Release uses a lifetime mortgage or home reversion plan. To understand the features and risks, ask for a personalised illustration. Equity release, home reversion plans and lifetime mortgage are complex products and you should request personalised information. Equity release could affect your income tax position and your entitlement to state benefits; it could also restrict future options for moving house or paying for long term care. If using an equity release plan to consolidate debt, you are taking a previously unsecured debt and securing it against your home. Equity release could reduce the value of your estate that your beneficiaries expect to inherit. You should talk to them before committing to a plan. Using equity release to raise investment capital is inadvisable under most circumstances and you should talk to an investment adviser if this is your intention.
Diane specialises in mortgage lending, equity release and personal protection. Her empathetic approach is particularly valued with families of vulnerable clients. She has built up strong connections with professional firms across the region and enjoys hosting and attending business and social events on behalf of S&P. Diane has worked at S&P since 1997, starting originally in administration and working her way through the various exams to Diploma standard as an Independent Financial Adviser.
Diane’s original intention when leaving school was a career in hotel management but an early move to Norwich & Peterborough Building Society set the pattern for her lasting career in the financial advice sector. She is married with two grown-up children and enjoys socialising with friends and family. Her favourite pastimes are cooking, cycling and taking long walks.
Lisa joined S&P in 2001 and has had a range of roles within the firm. She has gained financial qualifications over the years and achieved her ambition in 2018 when she was made an adviser with the firm. As well as her DipPFS, Lisa holds the Certificate in Advanced Mortgage Advice, the Certificate in Equity Release, the Award in Long Term Care and is a member of the Later Life Academy. She works with individuals in all areas of financial planning, including investment, retirement, wealth protection and mortgages.
Lisa has a compassionate and empathetic approach and aims to provide clients with peace of mind that their financial affairs are being looked after in the best way possible. She has three grown-up children and a large family with whom she loves to spend time. She enjoys long walks and eating out in North Norfolk with her partner, as well as cruising holidays with friends.
An important part of dealing with any property is making sure you have adequate insurance in place. Our insurance team can provide you with cover for residential property including your main residence, second home, rental property and holiday let.
We pride ourselves for having a solution for most residential property including:
In addition to the Home insurance, we may be able to offer you a separate Legal Expenses Policy which can cover the legal costs associated with incidents such as Personal Injury, Employment Disputes, Property and Contract Disputes and Legal Defence Costs.
If you need residential property insurance, give us a call on 0800 4701881 or visit www.i4me.co.uk to find out more