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Income Protection- Your Most Valuable Asset
ow would you manage your bills if your income stopped due to illness or injury? Income protection insurance can help by providing a regular weekly or monthly benefit if you’re unable to work because of illness or injury, allowing you to keep up with your financial commitments and everyday expenses. This insurance covers both physical…
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Case Study- Adverse Credit
We love to help clients that have been turned away by other brokers or lenders and this week, we had another one! This week, the clients we helped were based in Scotland and they had their mortgage declined by Nationwide due to some minor adverse credit. So…what’s the problem they faced? Broker number one placed…
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Critical Illness Cover- What is it?
Protection insurance policies offer both peace of mind and a financial safety net in case of illness, injury, or death. Whether you’re single, in a relationship, have dependent children, or none at all, you’re likely to benefit from some form of protection insurance. If you already have coverage, that’s great—but does it still meet your…
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Home Renovations?
Thinking About Home Improvements? Let’s Talk Additional Borrowing!Dreaming of a new kitchen, an extra bedroom, or even a garden office? If you’re looking to fund your home improvement project, additional borrowing on your current mortgage (also known as a further advance) could be a smart option. I drive my partner nuts as I trot past…
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Complex Income? We Make It Simple!
Understanding Complex Income and Mortgages: What You Need to KnowAre you self-employed, a freelancer, or earning from multiple income streams? Getting a mortgage with complex income doesn’t have to be complicated! Here’s how it works: What is Complex Income?Lenders see “complex income” as anything beyond a straightforward salary. This could include: 1.Self-employment earnings2.Bonuses or commissions3.Dividends…
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Life Insurance – A Go-To-Guide!
Protection insurance policies offer both peace of mind and a financial safety net in case of illness, injury, or death. Whether you’re single, in a relationship, have dependent children, or none at all, you’re likely to benefit from some form of protection insurance. If you already have coverage, that’s great—but does it still meet your…
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Poor Credit? You Can Still Get a Mortgage!
Struggling with poor credit but dreaming of owning your own home? It’s not impossible! While a less-than-perfect credit history can make getting a mortgage trickier, there are options available to help you take that next step. How Does Poor Credit Affect Mortgages?Lenders look at your credit history to assess risk. If you’ve had missed payments,…
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“My mortgage is simple – I don’t need a broker!” … Or do you?
Even if you think your case is straightforward, using a mortgage broker can save you time, stress, and even money! Here’s why:# More Lenders, Better Rates – Banks only offer their own products. Brokers compare hundreds of deals, including ones you won’t find on the high street! Less Paperwork, Less Stress – We handle the…
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Got a Professional Role? You Could Be Eligible for Enhanced Mortgage Affordability!
Did you know that lenders in the UK sometimes offer **enhanced affordability** for professionals like doctors, lawyers, accountants, and other highly-skilled roles? Here’s why this could be a game-changer for you: Higher Income Potential – Professionals in certain fields are often seen as having more stable and higher earning potential, which means lenders may offer…
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