Mortgages
Think carefully before securing any other debts against your home.
Your home may be repossessed if you do not keep up repayments on a mortgage or other debts secured on it.
The Financial Conduct Authority does not regulate some forms of Buy to Lets.
First Time Buyers
Looking to take the first steps into becoming a homeowner?
This is such an exciting time, yet it can also be daunting, as there is so much to consider. I will therefore be on hand from first point of contact, right through to completion to help every step of the way.
Buying a home is one of the biggest financial commitments that you are likely to make, it is therefore important that you get advice from the beginning.
I ensure that all options are thoroughly explained and mortgage recommendations tailored to your personal circumstances.
Let’s take the first steps of this journey together;
- How much can I borrow?
- How much deposit will I need?
- What additional costs are involved?
- How much will my household bills be?
- What kind of mortgages are available?
- What kind of mortgage deal will be suitable for me?
Moving Home
Are you looking to move home?
Whether you are looking to relocate, upsize or downsize, I am here to help make your home moving journey rum as smoothly and stress free as possible.
There are lots of options available, including the possibility of transferring your existing mortgage to your new home. Early repayment charges may apply dependant on individual circumstances. I therefore offer a tailored, personalised service which will involve talking through all the available options, looking at which will be the most suitable and cost effective to your personal circumstances.
Remortgaging
Are you considering remortgaging?
Whether you are seeking a better rate of interest to save money or you are looking to release money for home improvements, change your mortgage terms, consolidate debt or adapt to life changes, I can help find the right remortgage deal for your circumstances.
Whatever your reason for remortgaging, based on your personal situation, I will advise on the most suitable way forward, giving ongoing support from first point of contact through to completion.
Buy To Let
Are you looking to become a first time landlord, looking to remortgage your current buy to let or looking to expand your portfolio?
I can provide advice and guidance throughout the whole process.
BTL mortgages are very similar to standard mortgages, but there are some important differences including fees and interest rates, and deposit amount.
The amount you can borrow on a BTL mortgage is typically linked to the rental income you expect to receive from the property.
Protection
What is Protection Insurance?
Protection insurance is a broad term for insurance products that protect you and your family financially if something serious happens to your health, income, or life. Protection is a safety net, helping to ease money worries during tough times, letting you and your family focus on what matters most, rather than stressing about paying bills and the mortgage.
Click on the boxes below to find out more.
Life Insurance
Life insurance will provide a lump sum of money which helps protect your family if you pass away. In most cases, the pay out is free from income tax and can be used by your dependants in whatever way they choose.
Life insurance can be used to cover a mortgage, other loans or to ensure that your family is protected from the effects of having to repay a debt.
Life insurance can feel like a tricky subject, which is why I am here to offer expert, advice whenever you need it, completely fee-free. So whether you’re just starting to explore your options, updating an existing policy, or planning for the future, talk to me today.
Critical Illness Cover
A critical illness plan is designed to pay out a lump sum if you are diagnosed with a specified illness covered under the policy, provided the policy conditions are met.
In the event of a claim, you can use the money to help support you financially, offering peace of mind while you focus on health and recovery.
Income Protection
Income protection is a type of insurance which is designed to pay you a regular income if you’re unable to work due to illness or injury.
These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age), to give peace of mind that you can continue to live in your home whilst focusing on health and recovery.
Family Income Benefit
Family Income Benefit is a life insurance policy which is set for a period of time known as the term. If you die within this period the policy will pay out a regular tax free income, subject to policy terms and conditions, until the end of the term. For example if you have a 20 year policy and die within 5 years, the policy will pay out the remaining 15 years.
Home Insurance
The two main types of home insurance are Buildings and Contents. They can be bought individually but are most often bought together, usually with a discount.
Home insurance is often a necessity when taking out a mortgage. We will ensure you get the expert advice needed to obtain the right cover for your property from a Defaqto 5 star rated insurer.
Buildings Insurance
Buildings insurance covers the cost of repairing damage to the structure of your property. This includes such things as the roof, walls, floors, doors and windows to name a few. The damage caused may be as a result of the following but not specifically, fire, storm, falling trees, vandalism and damage caused by burst or freezing plumbing.
Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. It is a condition of every mortgage offer that buildings insurance is in place for the exchange of contracts.
Contents Insurance
Contents insurance covers the loss of, or damage to the contents in your home. This includes such things as furniture, electrical goods, clothing and many other items within your home. Some policies offer additional cover for items you may take outside of the home, for example mobile phones, jewellery, push bikes to name a few.
Different policies offer different levels of cover but generally you’ll be covered against fire and theft, and have the option to insure against damage you may cause by accident.
Contents only cover may be relevant in certain circumstances where the building is already insured, such as in the case of a leasehold flat.
Mobile:
07909 510018
Email:
Post:
10 Church Street,
Leyland,
Lancashire,
PR25 4XE
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Please be aware that by clicking on the above links you are leaving (AR Firm Name) website. Please note that (AR Firm Name) nor HL Partnership Limited are responsible for the accuracy of the information contained within the linked site(s) accessible from this page.
There may be a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £295 to £595 and this will be discussed and agreed with you at the earliest opportunity
The guidance and / or information contained within this website is subject to the UK regulatory regime and is therefore targeted at customers based in the UK
Shenton Mortgages Ltd is an appointed representative of H L Partnership Limited, which is authorised and regulated by the Financial Conduct Authority
Shenton Mortgages Ltd are registered in England and Wales with company number 16483531. Registered office; 10 Church Street, Leyland, PR25 4XE