Property Lending & Insurance Services

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.

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Property Lending

Mortgage Lending

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:

  • Landlord Portfolio Buy to Let Lending
  • Bridging Finance
  • Second Charge Lending

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.

Later Life Lending

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.

Equity Release

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.

 

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Diane Fish

Associate Director
Mortgage Adviser

Lisa Neat

Financial Planner

Property Insurance

i4me

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:

  • High Value properties
  • Non-Standard or more unusual properties
  • High Risk properties, such as unoccupied, thatched and those with past problems such as flooding and subsidence

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