Tony Smith

read moreA Freehold covenant restricting the occupancy of a property to those engaged in agriculture. Dividing the liability for property tax, water charges etc between the seller and buyer of a property. An interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the advertised rate on the mortgage, because it represents the total cost of the loan. The APR allows home buyers to compare different types of mortgages based on the annual cost for each loan. This is a fee you pay to your Lender in return for providing you with a mortgage.

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 moreIf you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages. You might be offered buildings insurance when you take out your mortgage, but you don't have to take what's on offer.

read moreBecoming a private landlord should not be seen as an easy way of making money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise. That said, having a second property to let to tenants could reap considerable financial rewards over time. Rent Potential - the decision as to whether or not a mortgage will be offered is usually based on the rent you will earn as well as your income. In some cases your income is not ever considered.

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 cannot 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 is no hidden small print, just a simple solution to help you save money.

read moreQuite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection. As one would imagine, there are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. As Independent Mortgage and Protection Advisers' we can help you find the one that best meets your requirements.

read moreBuying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers. Whether you are a first time buyer, looking to remortgage or even looking to purchase a second home. This is where our advisers excel. Be reassured that our style is to guarantee reliable mortgage advice appropriate to any individual that makes contact with us.

read moreWe're able to search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you.