Does your business need Key Person Insurance?

Did you know that according to the Office of National Statistics, 95.6% of small businesses, last year, within the UK were registered with fewer than 10 people in the office? What would you do if a key person(s), either the founder, owner or key employee within your business was unfortunately diagnosed with a critical illness or was involved in an accident?

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Tis the Season to Re-mortgage

It seems that Britain could be progressing into a season of re-mortgaging as high competition among lenders are lowering mortgage rates. So, is this the time to re-mortgage your property? (more…)

Avoiding the pitfalls of a commercial mortgage hunt

Deciding on whether to purchase a commercial property is a huge decision.

Most us will need to take out a commercial mortgage to help finance the purchase. This is when the decision-making becomes serious as what deal you agree to will affect you for years to come. When searching for your perfect commercial mortgage deal, there are a few things to keep in mind: (more…)

Helping the self-employed achieve mortgage success

For the self-employed, obtaining a mortgage can feel like an uphill struggle. With lenders becoming more cautious, and borrowing rules and regulations becoming stricter since the financial crash, the self-employed have been one of the groups hardest hit. They must jump through many hoops, and be able to prove a steady income and have a healthy home deposit. (more…)

Relevant life cover – what is it?

Relevant life cover, also known as a relevant life plan, is a form of business insurance that provides a payout for employees in cases of death in service. It is a lesser known life insurance policy and take up is quite small, but it can be one of the more beneficial plans as it can provide large savings. (more…)

What makes a house unmortgageable?

You’ve saved a deposit, been approved a mortgage in principal, and now, finally, you have found your perfect home. You make the offer and things are going swimmingly –  until you hear the dreaded words off the surveyor or lender, your perfect home is unmortgageable. (more…)