Home & Commercial Mortgages

read moreWe specialise in providing you with quality, professional Financial Advice that you can trust. Whatever your particular requirements, whether it be a mortgage, retirement planning, protection against accident, sickness or death we can ensure that we find the best solution for you. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Established in 1988, Home & Commercial Mortgages is a whole of mortgage broker and a family-run business.

read moreA Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy. This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum.

read moreBuying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision. To help you with making the right decision we have put together 10 top tips for you.

read moreWe are committed to finding the best ways to save you money, whether it be on your energy bills or home or care insurance, or finding ways to protect your income. Perhaps you need help sorting out spiralling debts? We have done the shopping around to get you great deals on a wide range of products and services that you can't afford to do without. We have a team of professional financial advisors who can explain exactly what's involved in each of our products - there's no hidden small print. Just a simple solution to have you save money.

read moreIt covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident. It is always vital that you thoroughly read and understand the full policy terms and conditions.

read moreAn Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. 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). This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

read moreA Debt Management Plan or DMP is designed to take the financial pressure off you by allowing a licensed Debt Management Company (DMC) to act as your confidential debt advisor. We are licensed to provide debt advice and to recommend the right provider for you based upon your personal preferences, which may include wanting a face-to-face meeting in the confidentiality of your own home or working with an expert advisor over the telephone.

read moreWhen you remortgage, you are switching your mortgage to another deal, and frequently, another lender. Remortgages can be used for various reasons. However, most people simply switch mortgages because it will work out cheaper for them. For example, the introductory discounted interest rate may have finished with your current lender; therefore you could potentially get a new discount rate, or a lower APR, with another lender. Another example is when you may need to re-mortgage to consolidate debts.