A mortgage is likely to be your biggest financial commitment. It’s important to get it right. We do two face to face appointments with you at our cost at a time and place that is convenient for you. These appointments are without obligation enabling you to make an informed decision.
Buying your first home can be both scary and exciting. Tandi will help you right the way through the process.
You may be an experienced landlord with several properties, or a first-time landlord. I’ll source the most suitable mortgage deal and handle the whole process for you.
We take the stress out of this move by handling the financial process for you. This may mean taking your existing mortgage product to your new home or arranging a new one for you.
We scour the market and find the right mortgage deal for you and handle the whole process for you.
Disclaimer - Equity release includes Lifetime Mortgages and Home Reversion Schemes. We can advise and arrange Lifetime Mortgages and will refer to an approved specialist for Home Reversion schemes.
If you are over 55 you may be able to release some cash (equity) tied up in the value of your home. This is called a lifetime mortgage. Your home always remains yours. My role is to find a plan and tailor it to meet your needs.
This is where you sell part or all of your home for a lump sum of cash. This amount is usually significantly less than the actual market value of your home and so for this reason is not as popular as the lifetime mortgage.
We arrange suitable protection that is both personal and affordable to make sure that whatever happens, you and your family stay in your home and enjoy their lifestyle, whether you are employed or self-employed.
Will pay your outstanding mortgage balance if you die or are diagnosed with a terminal illness. It usually is a combination of life cover and critical illness cover.
Is to protect the lifestyle of your loved ones if you die and can be paid as a large cash lump sum or as a fixed annual amount.
Picks up where your employer stops paying your sick pay and will provide you with an income if you are not able to work due to long term illness or injury.
Ensures business continuity if a key person or business partner suddenly dies or is diagnosed with a critical illness.
These plans are usually short-term plans and protect you against the impact of property damage, theft, burglary, unemployment and health costs. The only one of these plans that you do have to have as a mortgage contract requirement is buildings insurance. The other plans are optional and are good to have providing you with additional security.
This insurance can pay for private medical treatment and covers a range of treatments that are not free on the NHS.
Buildings cover is a requirement of all mortgage providers. It usually covers the re-build costs of the property and should be in place on exchange of contracts.
Also buildings insurance for rental properties and can include rental protection insurance, unoccupied property cover and liability insurance cover.