Your home may be repossessed if you do not keep up repayments on your mortgage.

Insurance Services

It is not as simple as looking for the provider with the cheapest premium…

Yes, the interest rate or premium is key as a starting point. However, how might that change in the short, medium or long term?

We undertake a comprehensive review of other key factors that impact the real cost to you.

For example, some lenders have arrangement fees that can be large enough to make the overall cost of lending unattractive when compared to others.

Key features These can decide the most appropriate solution for you

  • Early repayment charges - if you wish to part or fully repay during its term.
  • Portability of the loan - in case you move, you may wish to retain this deal.
  • Drop lock - the ability to secure a certain rate in the future if rates change.
  • Annual percentage rate (APR) - what is the real cost of borrowing, not just the interest rate charged?
  • Flexible features - the ability to over pay, take payment holidays or switch repayment types.
  • Frequency of interest additions - how often the interest is added to your loan can impact the real cost of borrowing when repaying your loan (e.g. daily, monthly, annually).
  • Insurance is very similar. We will provide advice so if you ever need to claim, you will receive the amount and frequency of payment you and your dependants were expecting.
  • That is why analysing and monitoring the enormous diversity of products is important. It ensures you do not miss out on getting the best solution.
Key features That Can Decide The Most Appropriate Solution For You

Understanding you

By gathering all the relevant information from you, we get to understand your needs fully.

We also get to know what provisions you have in place already that you may utilise to secure your desired finance or level of protection.

This stage also allows you to understand what to expect from us and how you will benefit from using our services.

Understanding you

Planning

We'll explore and research various scenarios and options that will reveal how best to utilise your existing provisions.

We will then make recommendations as to how to secure the best finance or protection. We build upon your current plans, to help maximise the chances of you achieving your objectives both present and future.

Planning

Implementation

Here's where your vision becomes reality…

Most of our clients prefer us to complete, check and manage the documentation required for them to put "Your Plan" into action.

This saves them a lot of time and energy, and makes sure plans are set up in line with your needs and expectations. A range of fees are available to support this service.

You may though decide you wish to implement our recommendations yourself, and simply pay a fee for our time and expertise.

Implementation

Review

We believe all our clients benefit from a review of their circumstances, with the style and frequency decided by you.

It is often dictated by where you are on your life stage, as well as your relative level of wealth.

Most clients like to be contacted at least once a year to ensure they are not unnecessarily impacted by any of the UK Government Budget announcements, or interest rate movements.

You will also hear from us during the year when we feel something will be of interest to you.
Review

You will receive clear details on what the total fee is, the advice or services it relates to, how it has been calculated and when it is due to be paid.

Please note, you will be under no obligation to implement any recommendations we make through this firm but an advice charge may still be levied for the work undertaken.

Get in Touch
Telephone:028 8225 0000 Mobile: 077 7188 4633
Address: 8 Dublin Road, Omagh, Co. Tyrone BT78 1ES

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