August 27, 2020

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About the author : ganicholls94

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Why not just use a comparison site?2025-05-23T21:42:43+01:00

Comparison sites often miss out on tailored cover. We ensure your insurance fits your needs – not just the cheapest headline price.

Can you help with landlord insurance?2025-05-23T21:42:29+01:00

Absolutely. We work with a range of providers to find landlord policies that protect rental income, contents, and liability.

Do I need home insurance if I own my home outright?2025-05-23T21:42:15+01:00

Yes – home insurance is still important to protect your building and belongings from unexpected events like fire, theft, or flood.

What is general insurance and what does it cover?2025-05-23T21:41:57+01:00

General insurance includes cover for your home, contents, landlord property, and more – protecting against damage, loss, or liability.

How much does protection insurance cost?2025-05-23T21:36:16+01:00

It varies by age, health, and cover level – but we’ll help you find affordable options that give real value without overpaying.

Can I get cover if I have a medical condition?2025-05-23T21:36:02+01:00

Yes – many insurers will still offer cover depending on your condition. We work with providers who specialise in more complex cases.

Is life insurance worth it if I’m young and healthy?2025-05-23T21:35:47+01:00

Yes – getting cover early can lock in lower premiums and provide long-term peace of mind for you and your loved ones.

What types of protection insurance do I need?2025-05-23T21:35:31+01:00

That depends on your circumstances. We’ll help you explore life cover, critical illness, and income protection to find the right balance for you.

Will my rental income affect how much I can borrow?2025-05-23T21:31:06+01:00

Yes – most lenders use your expected rental income to determine the mortgage amount. We’ll help ensure the figures stack up and guide you through the affordability checks.

Can I get a Buy to Let mortgage as a first-time landlord?2025-05-23T21:30:50+01:00

Yes, many lenders offer products for new landlords. We’ll help you understand your eligibility and secure a deal that suits your investment plans.

How much deposit do I need for a Buy to Let?2025-05-23T21:30:10+01:00

Typically, lenders ask for at least a 25% deposit. However, we’ll help you explore all your options based on your circumstances and property goals.

What is a Buy to Let mortgage?2025-05-23T21:29:28+01:00

A Buy to Let mortgage is designed for properties you intend to rent out. It usually requires a larger deposit and has different lending criteria than residential mortgages.

Can you help if I’m self-employed or have bad credit?2025-05-23T21:29:09+01:00

Yes – we work with specialist lenders who consider complex situations. We’ll guide you through the process and help improve your chances of approval.

Can you help if I’m self-employed or have bad credit?2025-05-23T21:23:38+01:00

Yes – we work with specialist lenders who consider complex situations. We’ll guide you through the process and help improve your chances of approval.

What’s the difference between fixed and variable rate mortgages?2025-05-23T21:23:19+01:00

A fixed-rate mortgage locks in your interest rate, while a variable rate can go up or down. We’ll explain the pros and cons based on your goals.

What deposit do I need for a mortgage?2025-05-23T21:22:34+01:00

Most lenders require at least a 5% deposit, though a bigger deposit can give you better rates and more flexibility. We’ll help you explore your options.

How much can I borrow for a mortgage?2025-05-23T21:21:32+01:00

This depends on your income, outgoings, credit history, and deposit. We’ll help you understand your borrowing power and what’s realistically affordable.

Do I need a mortgage adviser or can I go direct?2025-05-23T19:42:10+01:00

While you can go direct, a mortgage adviser searches the whole market to find the most suitable deal for your circumstances — often saving you time, stress, and money.

Is your financial advice really independent?2025-05-23T19:42:38+01:00

Yes – we’re fully independent and FCA authorised. That means our advice is based entirely on your needs, not tied to any one lender or provider.

Do you charge for the initial consultation?2025-05-23T19:42:59+01:00

No, your first consultation is completely free. It’s a chance to get to know each other and see how we can help — with no pressure or obligation.

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About the author : ganicholls94

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