Mortgage Protection
It is vital that you ensure your home and mortgage protected with suitable insurance policies. As part of our mortgage advice service, we also offer comprehensive independent advice on insurance products. We search the whole market so that you can have peace of mind, knowing that the right policy for you protects your home.
Insurance to consider:
- • Will your mortgage be paid in its entirety in the event you die or are diagnosed with a critical illness?
- • If you are unable to work due to accident or injury is your income protected so you can still pay your monthly mortgage payments?
- • Are your buildings and contents insured in the event of theft, fire, flooding and accidental damages?
We are happy to discuss all of your insurance needs, so feel free to give us a call.
There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at moneyadviceservice.org.uk .
DROP US A LINE
For a free initial consultation, without obligation, please complete the form below or call 01803 526 171
Buying a house is one of the most important purchases you will make. Buying a home for the first time can be an even more daunting prospect. With so many factors to consider it can be difficult to know where to begin when looking for your first mortgage.
If you are looking for a buy to let mortgage then give us a call and we can discuss what the best deals are on the market. If you are an experienced property investor or are looking for your first buy to let then we can offer the service that is right for you.
When you have found a property that you want to buy and decided on the mortgage you want, we can make a formal mortgage application. It's important to remember that you are responsible for the accuracy of the information you provide so check it all carefully before you sign.
It is important that you protect your home and mortgage with suitable insurance policies. We offer insurance products from the whole market so we can help you with this.
You can save hundreds - perhaps thousands - of pounds by shopping around, so it’s a good idea to review your mortgage regularly to check whether you should switch to a better deal.
Shared ownership mortgage schemes are a Government incentive backed up by developers and housing associations in order to provide highly quality affordable housing for first time buyers and other key workers.
Lifetime IFA Services in
INHERITANCE TAX PLANNING
Inheritance Tax Planning (IHT Planning) “Nothing can be said to be certain, except death and taxes” – Benjamin Franklin.
By careful planning we can help mitigate the burden of inheritance tax on your loved ones.
ANNUITY ADVICE
Purchasing an annuity is the most common way of turning all your pension savings, which you've built up over the years, into an income that will last you the rest of your life.
INCOME DRAWDOWN
Rather than purchase an annuity, you may be able to drawdown accumulated funds in your pension to provide an income that can be tailored to your needs in retirement.
RETIREMENT PLANNING
Planning for retirement is extremely important especially as people are living longer and are active for longer. To enjoy your retirement, having a suitable income to support your standard of living is essential.
SIPPs
A Self Invested Personal Pension allows the plan holder much more freedom than a personal pension or a stakeholder pension. It also requires active management and investment expertise and charges may be higher than for a personal pension.
WORKPLACE PENSIONS
A workplace pension is a way of saving for your retirement that's arranged by your employer. Some workplace pensions are called 'occupational', 'works', 'company' or 'work-based' pensions.
PENSION ADVICE
Everyone in the UK needs to save for their retirement and most do this by contributing to a pension. The state pension will not be enough for most people and will definitely not provide enough for you to enjoy retirement!
WEALTH MANAGEMENT
There are many different ways to take care of your savings and investments. Equally there are many banks, building societies and financial institutions to choose a range of products from.
ISAs
There are many different ways to take care of your savings and investments. Equally there are many banks, building societies and financial institutions to choose a range of products from.
INVESTMENT ADVICE
There are many different ways to take care of your savings and investments. Equally there are many banks, building societies and financial institutions to choose a range of products from.
INCOME PROTECTION
We can advise on and help you make important decisions on how to best ensure that should you be off work due to accident or sickness, be diagnosed with a critical illness or even worse that your family and loved ones are financially secure.
INSURANCE
We can advise on and help you make important decisions on how to best ensure that should you be off work due to accident or sickness, be diagnosed with a critical illness or even worse that your family and loved ones are financially secure.
EQUITY RELEASE
Equity Release schemes can be used for many reasons from supplementing income in retirement, inheritance tax planning, and paying off an interest only mortgage to releasing a lump sum of money from your home.
MORTGAGE ADVICE
Buying a home is one of the major financial decisions someone will take in their life and is usually the biggest financial commitment someone will make in their life. At Lifetime-IFA we are committed to making sure that our clients receive the best mortgage advice available.