May 9, 2020

How hard is it to get life insurance at the moment?

Can I still get life insurance during the Covid-19 Pandemic? This is a question we have been asked quite a few times since the outbreak of Covid-19. The good news in a nutshell is Yes, you can still get life insurance. Even if you have had or have been in […]
May 9, 2020

Equity Release Market Set to ‘Boom Under Virus’

A recent report from Financial Adviser indicates that some experts believe the demand for equity release is set to increase as a result of COVID-19. One of the reasons for this is due to consumers looking to use equity release to supplement retirement income as markets ‘tumble’ If this is […]
April 19, 2020

How hard is it to get a mortgage at the moment?

It’s been a hectic few weeks in the mortgage market. Some reports could have you believing there was another credit crunch. Fortunately, that’s not the case. There were initial challenges for mortgage lenders. Mainly these were – Restructuring due to social distancing Managing demand for payment holidays Carrying out valuations […]
April 13, 2020

Income protection Is it still available and do I really need it?

We’re getting many enquiries asking if income protection is still available and if it’s really necessary. First of all, if you’re unsure of what income protection is then here’s a explanation; If you were to become unwell or suffer an accident which meant you were unable to work and therefore […]
April 7, 2020

Is life insurance an unnecessary expense in the current climate?

It’s at time liked these, when we’re facing uncertain time ahead, loss of income, unable to carry out day to day activities and even ill-health we look at everything we’re doing financially.
April 5, 2020

Are there still options for Pension Pot / Investment Portfolio Mortgages?

Another of our specialist niches is mortgages based on assets rather than earned income (usually pensions post for later life borrowers and/or investment portfolios for HNW clients). Given what has happened in the markets, the general feedback from lenders in the sector is that they are still looking to lend, […]
April 4, 2020

Can I still get a mortgage if I am a limited company director or self employed?

Being one of our specialist niches, we’ve been keeping in regular contact with lenders who offer mortgages to small business owners and independent professionals. While there have been some restrictions, in the main there have been very few changes to criteria. This is great news. However, small business owners and […]
April 4, 2020

What Will Happen to House Prices?

Many ‘experts’ have made predictions, but let’s be honest, nobody knows. On a positive note, we have still had many people looking to proceed with their purchases as normal. We’ve had a few pull out, but honestly nowhere near what you might have expected or have been led to believe […]
April 3, 2020

Will Furloughing Affect Mortgage Lending?

To be honest, it’s difficult to say at this stage. At the time of writing, some lenders have confirmed they will accept it, whereas others have confirmed they won’t. Moving forward, our feeling is that given the unprecedented circumstances, lenders will take a compassionate and common sense point of view, […]
April 3, 2020

How do COVID-19 mortgage payment holidays work?

When it comes to financial difficulties, mortgage payment holidays are nothing new. However, historically it could be difficult to arrange one. Thankfully, with COVID-19, lenders have simplified the process. Furthermore, this is for residential AND buy to let. In most cases it’s a self certified process. The borrower just confirms […]