S U C C E S S F U L F U T U R E S T H R O U G H S E C U R E D F U N D I N G
|
|
- Derrick Mills
- 8 years ago
- Views:
Transcription
1 S U C C E S S F U L F U T U R E S T H R O U G H S E C U R E D F U N D I N G
2 Shawbrook is a British savings and lending bank that combines traditional banking values with a modern approach. We give our customers a straightforward, no-nonsense alternative to the high street. Since Shawbrook s launch in October 2011, the bank has received over 1.2 billion in deposits through offering competitive rates to its savings customers. Its four lending businesses have also established themselves in their own fields, winning multiple awards along the way. For more information please visit Shawbrook Bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Giving the gift of a private education A private education undoubtedly offers children an unrivalled opportunity to fulfil their true potential. With school tuition now exceeding 14,000 per academic year, Shawbrook Bank is on hand with a simple finance solution that enables parents to give the gift of a private education to their children.
3 S U C C E S S F U L F U T U R E S T H R O U G H S E C U R E D F U N D I N G Shawbrook offers a range of homeowner loans to help parents finance their child s school education. A homeowner loan is a loan which is secured against a residential or residential buy-to-let property. The benefits of a Shawbrook homeowner loan, as opposed to a personal loan, is that you can tend to borrow a larger amount over a longer period of time. With a Shawbrook homeowner loan parents can... Spread the cost of school fees over affordable monthly repayments. Arrange the loan at any time, we are not restricted to school term dates. Have the loan paid directly to them Borrow up to 500,000 for up to 25 years. In addition to school fees parents have the option to raise additional finance to cover other large expenditure such as home improvements, the purchase of a new car or a family holiday. Overpay the loan with lump sums without cap or penalty, reducing the term of the loan and the interest payable. Top up the loan at any time to cover unexpected expenses such as school trips, instruments and uniforms. Leave their existing financial investments, including a mortgage, in place. Pay the loan off in full with just 28 days notice and a 195 fee which is added to the outstanding balance. Typical homeowner loan scenario The client has three children at private school and has recently purchased an old barn in Suffolk that has been converted into a living space. The client would like to borrow 175,000 over 25 years to fund the children s school careers as well as to finance the building of a mezzanine level on the barn, and install a custom-built kitchen. After a conversation with the client s IFA they were advised to take out a homeowner loan with Shawbrook Bank. The loan, which is secured against their residential property, enables the client to enhance their home and secure the finance for the children s school education. Please contact our friendly team to discuss your requirements: schoolfees@shawbrook.co.uk THE OVERALL COST FOR COMPARISON IS 15.1% APR. THE ACTUAL RATE AVAILABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
4 A N A + S E R V I C E F O R P A R E N T S Our homeowner loans are arranged through a small selection of hand-picked broker partners We only work through broker partners because they offer our customers whole of market choice. This means that our customers are receiving the very best product that suits their needs. Not only that, our broker partners will also be on hand to help throughout the whole application process. We work very closely with our broker partners to offer a first class service to maintain our position as the leading homeowner loan lender in the market. To enquire about our Shawbrook homeowner loans please visit or call our dedicated school fees team on
5 Telephone Shawbrook Bank Limited Lutea House, Warley Hill Business Park The Drive, Great Warley, Brentwood Essex, CM13 3BE
6 H O W T O A P P L Y With our broker partners on hand to help you through the process, applying for a Shawbrook homeowner loan couldn t be easier. Form Fill out a short form on our website or call to talk it through with the Shawbrook team. Quote Your enquiry will be sent to one of our trusted broker partners* who will contact you with a personalised illustration. Application Our broker partner will help you through the application process, which can take as little as 20 days, subject to paperwork being completed and returned on time and in full. Payment Funds will reach you by 5.00pm on the day of completion. *Please see reverse to find out who the broker partners are that we work with. Telephone Shawbrook Bank Limited Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex, CM13 3BE
7 O U R B R O K E R P A R T N E R S Our homeowner loans are arranged through a small selection of hand-picked broker partners. Our broker partners offer customers whole of market choice. This means our customers are receiving the very best product that suits their needs. On top of this, our broker partners can also help you through the application process. Regions covered: London, South Wales, South West and South Coast Based in Essex, Brightstar Financial Limited was established in December We are providers of bespoke finance for Bridging loans, Commercial Loans, Secured Loans and Specialist First Charge Mortgages. Our aim is to provide an unrivalled, personal and professional service, tailored to the client s individual needs. Our promise to you: PRODUCT: Provide the most comprehensive product offering in the industry EXPERTISE: Support you with expert specialist consultants in their sector SERVICE: Deliver first class service with a response to every enquiry within 1 hour Regions covered: South East Essex Financial Planners is a firm of Independent Financial Advisers. We were established in Westcliff on Sea, Essex in The Principal has been in the business since 1983 and we have the advantage of sourcing the finest products from the whole of the market. All of the Advisers, Planners and Managers have a wealth of experience and are fully qualified in the field of expertise that they work in. You can be assured that we are able to assist, direct and advise in any areas of financial planning that you require any help with. Regions covered: North Wales, and the North East and West V Loans are a Cheshire based specialist finance brokerage, specialising in arranging loans secured on residential properties in England, Wales & Scotland. With over 20 years experience in financial services, we are renowned for our excellent standards of customer service. We recognise our customers are individuals, and always seek to find the right financial solution for your borrowing requirements. We understand the importance to you of securing the best future possible for your children, and through the range of products available through Shawbrook Bank, the UK s market leading provider of secured loan finance, we can give you peace of mind that school fees are taken care of, within a budget that suits you. Regions covered: Scotland Blimey Loans are a Scottish based, family owned specialist lending broker. We are experts in the Secured Loan, Commercial Mortgage, Bridging and Development Finance markets. We have extensive financial services experience stretching back to 1982 with the Blimey! brand being launched in Over the years we have delivered tailor made lending solutions to thousands of satisfied clients all over the UK. Whilst every single client of ours gets the same high standard of attention, we do have extensive experience dealing with higher net worth individuals. Complex financial affairs require a very high skill set and in particular, clients who need to borrow funds for something as important as children s education, will need their application handled with empathy and diligence. Regions covered: Midlands The Loan Partnership Ltd are based in Watford, Hertfordshire and we are proud to be a chosen master broker of Shawbrook Bank. We have knowledge and expertise of their lending policies and the secured loan industry, and are confident that you will find our service exceeds your expectations. We will work tirelessly to find the right loan for you. Call us anytime on Our service level agreement sets the foundation for Brightstar Financial to be the best in the industry for customer service. It s a pledge our whole team is behind.
8 F R E Q U E N T L Y A S K E D Q U E S T I O N S We hope to have covered your answers to any questions below, if not, please do not hesitate to contact the team on schoolfees@shawbrook.co.uk or call What is a homeowner loan? A homeowner loan is a loan which is secured against a residential or residential buy-to-let property. The benefits of a homeowner loan, as opposed to a personal loan, are that you can tend to borrow a larger amount over a longer period of time. The downside however is if you do not keep up repayments your home may be at risk. How much can I borrow? 3, ,000 (more considered). How long can I borrow it for? From 3 to 25 years. How is the loan paid back? By monthly Direct Debit. What rates do you offer? Our rates start from as little as 6.9%. How can I apply for the loan? Please visit for our online enquiry form. Do you lend to self-employed applicants? Yes, we welcome self-employed applicants and sole traders with 3 recent bank statements to assess affordability. What loan to value do you lend up to? 95%. Can I take out a loan for other purposes than for school fees? Yes absolutely. You can borrow up to 500,000 (more considered) for any purpose. Common uses for a secured loan are home improvements, consolidation of finances, purchase of a new car and to clear a tax bill. Can I overpay my loan? Yes, you can pay lump sums off your loan or increase your Direct Debit, reducing the term of your loan. There is no cap to the amount you can overpay and no penalty charges. Can I pay my loan off early? Yes, you pay off your loan whenever you like. All you need to do is to give 28 days notice and pay a 195 fee which is added to the outstanding balance. When can I take out a homeowner loan? You can take out a Shawbrook homeowner loan at any time. Can I top up my loan? Yes, you can top up your loan whenever you need to. Is the loan paid to me or directly to the school? All our loans are paid directly to the applicant i.e. you the parent. Can I use my residential buy-to-let property as security for the loan? Yes, call us to discuss your requirements. We do not lend against commercial buy-to-let properties. Can I withdraw from the agreement? You can cancel your loan at any time, right up to the day of completion i.e. when the loan is due to be paid to you without penalty. Is Shawbrook Bank regulated? Yes. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Will you perform credit checks? We will undertake a credit check to assess your financial stability before we approve the loan. Will my personal information be stored securely? Yes, any personal information will be stored securely in compliance with the Data Protection Act. Are there any age restrictions on your loans? Applicants must be at least 21 years of age. Maximum age is 80 at the end of the loan term. THE OVERALL COST FOR COMPARISON IS 15.1% APR. THE ACTUAL RATE AVAILABLE WILL DEPEND UPON YOUR CIRCUMSTANCES. ASK FOR A PERSONALISED ILLUSTRATION. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Equity Release. A guide to our Lifetime Mortgage products
Equity Release A guide to our Lifetime Mortgage products Introducing Retirement Advantage Previously known as MGM Advantage and Stonehaven, we are a well-established company that can trace its roots back
More informationRoll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage
Lifetime Mortgages Roll-up Lifetime Mortgage Lump Sum Plus Lifetime Mortgage Using the value in your home for a better retirement Just Retirement s Lifetime Mortgages Who are we? Just Retirement Limited
More informationWHAT IS EQUITY RELEASE? WHY CONSIDER EQUITY RELEASE?
WHAT IS EQUITY RELEASE? Equity Release can free some of the capital tied up in your home, while you continue to live there. This money can be in the form of a tax-free lump sum, a regular income or a combination
More informationCAVENDISH EQUITY RELEASE. The Essential Guide. Equity Release TRUSTED & IMPARTIAL ADVICE SINCE 1985
CAVENDISH Equity Release TRUSTED & IMPARTIAL ADVICE SINCE 1985 EQUITY RELEASE The Essential Guide INDEX Welcome to Cavendish Equity Release 3 How can Equity Release be used? 4 Why is specialist advice
More informationWhat we do. A guide to our services
What we do A guide to our services Retirement solutions since 1965 Hodge Lifetime has been a specialist in the retirement market for 50 years. Hodge Lifetime has been a specialist in the retirement market
More informationMORTGAGE ADVICE YOU CAN DEPEND ON
MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and
More informationMaking the most of your retirement
Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity
More informationLet s work together. Intermediary product guide.
Let s work together Intermediary product guide. Launched in 2009, Aldermore champions Britain s businesses. We offer straightforward banking products and services to small and medium-sized businesses and
More informationYour retirement could have even more going for it
Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could
More informationTalk to us first... Equity Release. Mortgages & Finance. Investments, Pensions & Personal Protection
Talk to us first... Mortgages & Finance Equity Release Investments, Pensions & Personal Protection Why talk to? As Independent Financial Advisers we will work closely with you to help plan your finances
More informationA guide to mortgages
A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest
More informationResidential mortgages general information
Residential mortgages general information Residential mortgages general information 2 Contents Who we are and what we do 2 Forms of security 2 Representative Example 2 Indication of possible further costs
More informationYour Mortgage/Secured Loan with Swift
Customer Booklet Swift Customer Booklet This booklet, together with the information in your Welcome Pack and our Tariff of Charges will tell you about Swift and your mortgage/secured loan. About Swift
More informationAToM Debt Solutions. Debt Management. Call AToM Debt Solutions now on 0845 40 40 240 or visit www.atomltd.co.uk
AToM Debt Solutions Debt Management Call AToM Debt Solutions now on 0845 40 40 240 or visit www.atomltd.co.uk Debt Statistics Striking Numbers 1m every 8.5 mins Growth in UK debt 228m Daily increase in
More informationAbout us. For more information call us now on 0800 316 2224 or visit www.cleverlending.co.uk
About us Having come to the market with a wealth of experience behind us, Clever Lending is a second charge master broker focusing on making secured loans more accessible to intermediaries. With the regulatory
More informationDeliverable Foreign Exchange & International Payment Services
Deliverable Foreign Exchange & International Payment Services Welcome Valbury Capital is a specialist brokerage, offering a wide range of services including a global payment and foreign exchange service.
More informationBORROWING. A guide to borrowing. Overdrafts, credit cards, loans
BORROWING A guide to borrowing Overdrafts, credit cards, loans Three ways to borrow that can work for you All of us need a little extra help at times. So if you want to borrow money for a new car or kitchen
More informationEquity Release Guide. Helping you make the right decision. nationwide service all lenders available personal visits. www.therightequityrelease.co.
Equity Release Guide 0800 612 5749 www.therightequityrelease.co.uk Helping you make the right decision nationwide service all lenders available personal visits 1 Welcome to The Right Equity Release Who
More informationOur Enhanced Lifetime Mortgages Explained
Our Enhanced Lifetime Mortgages Explained Contents Make the very best of life..........................................2 About more 2 life and the enhanced lifetime mortgage plans............3 - The plan
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationM O R T G A G E S E R V I C E S A borrower s guide
M O R T G A G E S E R V I C E S A borrower s guide For most of us, house purchase is our largest financial transaction and the associated mortgage the biggest financial commitment. Repayment of the mortgage
More informationA Guide to Equity Release in Retirement
A Guide to Equity Release in Retirement 1. Introduction For the retirement you deserve 2. What is Equity Release? 3. Equity Release Plans The options available to you 4. The Application Process 5. Questions
More informationIT S MORTGAGE REVERSE A SIGN OF THE TIMES
IT S A SIGN OF THE TIMES REVERSE MORTGAGE UNLOCK THE EQUITY IN YOUR HOME If you want the financial freedom to spend your retirement how you choose, with independence and dignity, you should talk to us.
More informationA Guide to Releasing Capital from your Home
Advice for older people A Guide to Releasing Capital from your Home Advice provided by Advice for older people FirstStop Advice brings together the expertise of some of the most trusted and respected organisations
More informationMortgage advice you can depend on
Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to
More informationFSA regulation of mortgage arranging and advising do I need to be authorised?
Financial Services Authority FSA regulation of mortgage arranging and advising do I need to be authorised? Do I need to read this factsheet? Since October 2004 we (the FSA) have been responsible for regulating
More informationAccess to Finance Guide: 1. Bank Finance Options
Access to Finance Guide: 1. Bank Finance Options Overdrafts An overdraft is a flexible way for you to manage short-term borrowing requirements. Business overdrafts are traditionally easy to arrange and
More informationHelp to make the most of your savings with an Offset Mortgage
Help to make the most of your savings with an Offset Mortgage C M Y K PMS??? PMS??? PMS??? PMS??? Non-printing Colours Laser Non-print 2 JOB LOCATION: Your savings could help you reduce your monthly mortgage
More informationFirst Time Buyers. A guide to owning your first home
First Time Buyers A guide to owning your first home Helping you to get on the property ladder Fed up living with others? Been dreaming of owning your own home? If the answer is yes, then take a look at
More informationlargemortgageloans.com Bespoke Mortgage Services
largemortgageloans.com Bespoke Mortgage Services WELCOME TO OUR BESPOKE MORTGAGE SERVICES largemortgageloans.com If you are looking for a large mortgage to fund a residential or commercial property purchase
More informationA guide to equity release
Enjoying financial freedom in retirement: Enjoying financial freedom in retirement: A guide to equity release A guide to equity release Many people see equity release as a way to ensure a comfortable retirement.
More informationGUIDETHE. first home buyers GOLDEN RULES. Finding the right home loan. GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more.
first home buyers GUIDETHE GOLDEN RULES GRANTS, CONCESSIONS, LOAN TYPES, LMI & much more Finding the right home loan Compliments of Let s Finance First Home Buyers Guide 1 Congratulations! You ve just
More informationRemortgaging it may be your best decision
Remortgage Guide Remortgaging it may be your best decision Why do I need to consider a remortgage? For most homeowners, a mortgage is probably your largest financial commitment so it s essential to ensure
More informationAward winning. One of the UK s leading mortgage brokers. MAB is the UK s largest independent high street mortgage broker
Award winning One of the UK s leading mortgage brokers MAB is the UK s largest independent high street mortgage broker We operate out of over 700 offices across the UK We pride ourselves on the quality
More informationDevelopment Finance. Bridging Finance. Asset Finance. Case Files WE NDERSTAND
WE NDERSTAND Development Finance Asset Finance Bridging Finance Case Files WE NDERSTAND Asset, Bridging and Development Finance Welcome to United Trust Bank United Trust Bank provides a wide range of secured
More informationWealth and Investment Management. Financing. Structured solutions as individual as you are
Wealth and Investment Management Financing Structured solutions as individual as you are Singing Ringing Tree, by TONKIN, LIU, HILLTOP MUSICAL SCULPTURE, 2004. Wealth what is it to you? We provide financing
More informationMortgages Guide. From http://limetreefs.co.uk 1
Mortgages Guide Mortgages revealed... The explanations below are intended to give you an insight into some of the more common terms associated with the mortgage process. Repaying the Mortgage Whichever
More informationBridging Loan A Guide to Building Your Dream Home
Bridging Loan A Guide to Building Your Dream Home Helping you to get on the property ladder Whether you are considering building a new home, or renovating or extending your current home, our Bridging Loan
More informationTHE RESPONSIBLE EQUITY RELEASE GUIDE. Everything you need to know about equity release.
THE RESPONSIBLE EQUITY RELEASE GUIDE Everything you need to know about. An informative guide from the specialists Welcome to the Responsible guide to. Equity release has come a long way since regulation
More informationOur Home Reversion Plan. Enjoy your retirement by unlocking the value of your home
Our Home Reversion Plan Enjoy your retirement by unlocking the value of your home I can now have the garden I ve always wanted. 1 Bridgewater Equity Release Limited the Home Reversion Plan experts Bridgewater
More informationEverything you need to know about equity release.
Everything you need to know about equity release. An informative guide from the equity release specialists Welcome to the Retiredom guide to equity release. Equity release has come a long way since regulation
More informationTruly Bespoke, Truly Independent
Financial Planning Group Truly Bespoke, Truly Independent Cottons Financial Planning Group Ltd is a specialist business; providing financial services and advice to both individuals and companies all over
More informationWe offer personal, professional and independent advice for all your Insurance and financial services needs
We offer personal, professional and independent advice for all your Insurance and financial services needs About Us KGJ Insurance Brokers (Stourbridge) Ltd. is a firm of independent insurance brokers and
More informationSaga Equity Release Advice Guide
Your guide to Equity Release Expert advice with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,
More informationlargeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904
largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904 CONTENTS What is equity release?... 3 How much money could I raise through an equity release?... 4 What
More informationUse your home to your advantage. A guide to equity release
Use your home to your advantage A guide to equity release 2 A guide to equity release Introducing Retirement Advantage Previously known as MGM Advantage and Stonehaven, we are a wellestablished company
More informationEQUITY RELEASE GUIDE. Everything you need to know about equity release.
EQUITY RELEASE GUIDE Everything you need to know about equity release. An informative guide from the equity release specialists The informative guide to equity release... Equity release has come a long
More informationFor a free consultation call freephone. or visit www.responsible.org.uk
Responsible Guide To Equity Release How to release equity (and release it intelligently) Around 2m people over the age of 50 will rely on their property, not a pension, to pay for their retirement - Beck
More informationBridge and Residential Development Lending Stretched Senior and Mezzanine
Bridge and Residential Development Lending Stretched Senior and Mezzanine Development Finance 1. Developer competence and experience. 1. A track record of successful developments 2. Slight Credit Impairment
More informationA guide to releasing tax-free cash from your home. Age. Partnership. R e t i r e m e n t S p e c i a l i s t s
A guide to releasing tax-free cash from your home With equity release you can release tax-free money from your home with no monthly repayments to make. Thank you for your enquiry Thank you very much for
More informationAdequate Explanations
Adequate Explanations CCTA PLA 10.14 H&T Pawnbrokers are required by law to provide you with the following information in order for you to decide if the loan is suitable for your needs and to highlight
More informationPAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE
We understand PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE WELCOME TO UNITED TRUST BANK is an established specialist lender providing a wide range of short to medium term secured
More informationThe Mortgage Packager Limited. Applicants name: Fact Find Date: 16-20 South Street Hythe Southampton SO45 6EB
Applicants name: Fact Find Date: The Mortgage Packager Limited 16-20 South Street Hythe Southampton SO45 6EB Telephone: 02380 018109 Fax: 02380 001136 info@tmp-mortgages.co.uk Regulated by the Financial
More informationHave you heard about Open Market HomeBuy?
Have you heard about Open Market HomeBuy? A guide to buying a home on the open market using an equity loan Contents What is Open Market HomeBuy? 3 Who is eligible for the scheme? 4 How does Open Market
More informationA simple guide to getting more from your future with. Aviva Equity Release. Best Equity Release Lender
A simple guide to getting more from your future with Aviva Equity Release Best Equity Release Lender J4602_PF011120_1015.indd 1 09/10/15 8:06 pm Contents An introduction to Aviva Equity Release What is
More informationGuide to buying your first home. January 2015
Guide to buying your first home January 2015 Guide to buying your first home Buying a home is the largest purchase most people are likely to make and for first time buyers securing a mortgage for the first
More informationYour Guide to Equity Release
Equity release has provided me with financial stability. I now have the opportunity to help my family, go on holiday, and make some home improvements. Mr W, East Sussex Your Guide to Equity Release Contents
More informationYour first home. A guide to buying for the first time
Your first home A guide to buying for the first time 2 Your guide to getting it right You re planning on buying a place of your own at last. It will be your space and no one else s. It s an exciting thought.
More informationSecured loans Short term finance Commercial mortgages Buy to let mortgages Development finance
Secured loans Short term finance Commercial mortgages Buy to let mortgages Development finance Welcome to Vantage Finance Vantage Finance is a leading master broker. Established in 2004, our expert team
More informationA warm welcome to the first edition of the Ashtree Financial Services Newsletter.
Ashtree Financial Services is part of the Autoline Insurance Group OCTOBER 2011 Ashtree Financial Newsletter - Issue 1 A warm welcome to the first edition of the Ashtree Financial Services Newsletter.
More informationCustomer Guide. to lifetime mortgages. more 2 choose a range of lifetime mortgage plans to suit every need
Customer Guide to lifetime mortgages more 2 choose a range of lifetime mortgage plans to suit every need From one of the UK s largest retirement lending specialists Please speak to your adviser for further
More informationYour Guide to Equity Release
Equity release has enabled me to go on more holidays, purchase a new car and make some major household purchases. The service provided met our financial needs in an efficient and helpful way. John, Sutton
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationYour Options. A simple guide to available debt options
Your Options A simple guide to available debt options Contents Welcome 3 Our Customer Service Charter 3 Protected Trust Deeds 4 Debt Arrangement Scheme 6 Sequestration 8 Debt Management Plan 10 Minimal
More informationYour Mortgage Guide. The Exchange. Property Services Mortgage Services Letting & Management Services Conveyancing Services
The Exchange Property Services Mortgage Services Letting & Management Services Conveyancing Services Your Mortgage Guide Contents: Introduction... 3 The Financial Services Authority (FCA)... 3 What is
More informationWith new options available from April 2015, we can help you plan your finances for a worry-free retirement
Your retirement With new options available from April 2015, we can help you plan your finances for a worry-free retirement Life is full of financial decisions and planning your retirement is one of the
More informationFinancial Planning for Contractors
Financial Planning for Contractors Contents 1.0 Contractor Mortgages Page 1 2.0 Contractor Pensions Page 2 3.0 Critical Illness and Income Replacement Page 4 4.0 Contractor Life Insurance Page 5 5.0 Relevant
More informationPathways Shared Equity Loan
Department of Housing and Public Works Pathways Shared Equity Loan Become a home owner by purchasing a share of the property you are renting Questions and Answers Booklet Great state. Great opportunity.
More informationFlexible access to short-term finance. Precisely when you need it. Rathbones secured lending facility.
Flexible access to short-term finance. Precisely when you need it. Rathbones secured lending facility. Flexible lending. As a client of Rathbones, there may be occasions when you need to access short to
More informationAbout Us. Est. Glynn Parker. Peter Hirst. Parker Shop Equipment. Rapiscan
01823 663737 About Us Leasing Programmes Limited lends money to businesses looking to acquire equipment. We offer leasing, hire purchase and loan facilities. We can also arrange factoring and invoice discounting.
More informationHelp to Buy Buyers Guide
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy Page 1 of 27 Key information Buyers using this scheme must provide security in the form of a second
More informationMortgage Term Glossary
Mortgage Term Glossary Advance - The mortgage Loan. Adverse Credit - This is the term used if the borrower has suffered a poor credit history. This could include previous mortgage or loan arrears, CCJ's
More informationOffice of Fair Trading Credit brokers and intermediaries
Office of Fair Trading Credit brokers and intermediaries Response from the Association of British Credit Unions Limited (ABCUL) Contact details Abbie Shelton Policy and Communications Manager abbie.shelton@abcul.org
More informationYour Business. Protecting your Business
Protecting your Business Your Business No matter what business sector you operate in, your company s ongoing success and development will often hinge on a number of leading individuals, be they Key Personnel,
More informationHOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au
HOME LOAN GUIDE Call 1300 17 87 87 1ststreet.com.au CONTENTS FIND ALL YOU NEED TO KNOW 4 6 8 10 12 16 18 19 22 24 26 1st Street The Story Your 1st Street Mortgage Broker Lender Options The Plan Lenders
More informationINTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION
INTERMEDIARIES & INVESTMENT PROFESSIONALS ONLY: NOT FOR PUBLIC DISTRIBUTION Introducer Internet How to submit an application (Buy to Let) November 2015 Contents This guide shows you how to submit a new
More informationEquity Release Guide. www.seniorissues.co.uk
Equity Release Guide www.seniorissues.co.uk For more information or to speak to one of our trained advisers please telephone our Senior Issues Team on 0845 855 4411 The Caesar & Howie Group 7/3/2008 EQUITY
More informationBuy-to-let Product Guide
Buy-to-let Product Guide Product Highlights 3.05% 2 year fixed 995 fee - 75%LTV Page 2 3.40% 2 year fixed Nil fee - 75%LTV Page 2 3.45% 2 year fixed 1% fee - 80%LTV Page 2 3.70% 5 year fixed 995 fee -
More informationFinancial Planning Growing a better future
To make an appointment with a Financial Planner: Go to hsbc.com.au/financialplanning Visit in branch Call 1300 308 008 All testimonials listed in this brochure are sourced from Sue, an HSBC financial planning
More informationEquity Release your essential guide
Equity Release your essential guide Welcome This guide has been put together to explain equity release, what it means and the options it can offer. We aim to give you as broad an overview as possible and
More informationMORTGAGES4REAL LIMITED
WELCOME TO MIKE ROGERSON.CO.UK ESTATE AGENTS SURVEYORS LETTINGS MANGEMENT MIKE ROGERSON MORTGAGES4REAL LIMITED We know that taking out a mortgage will probably be the biggest financial commitment you can
More informationt: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com
t: +44 (0) 1708 206 498 e: info@turkishmortgagesplus.com w: turkishmortgagesplus.com Turkish Property Finance Your Mortgage Guide YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE.
More informationEquity Release An easy to understand guide just for you
TRuE BEARing ChARTEREd e Right direction for Financial Advice Equity Release An easy to understand guide just for you True Bearing Chartered 2 Buckshaw Court, East Terrace Business Park Euxton Lane, Euxton,
More informationSaffron Building Society Mortgages Savings Investments Insurance Loans. Residential mortgage conditions. www.saffronbs.co.
Saffron Building Society Mortgages Savings Investments Insurance Loans Residential mortgage conditions www.saffronbs.co.uk 0800 072 1100 Saffron Building Society Residential Mortgage Conditions (England
More informationProduct Matrix If you have any questions, please call us for free on: 0800 032 95 95
Product Matrix please call us for free f on: 08000 032 95 95 Product Matrix please call us for free f on: 08000 032 95 95 Our USPs Quotes are free and won t affect your client s credit rating The system
More informationALL YOU NEED TO KNOW.
LIFETIME MORTGAGE LIFETIME MORTGAGES ALL YOU NEED TO KNOW 1 ALL YOU NEED TO KNOW. 2 LIFETIME MORTGAGES ALL YOU NEED TO KNOW CONTENTS 1. IntrODUCTION 2. AbOUT lifetime mortgages 3. FeaturES of our lifetime
More informationWith just one phone call you can get access to all the major Bridging Lenders. Let us do the legwork for you whilst you earn.
With just one phone call you can get access to all the major Bridging Lenders. Let us do the legwork for you whilst you earn. A little bit about us First 4 Bridging provide a personal and specialised service
More information5 Interesting Facts about the Peer to Peer (P2P) Market
5 Interesting Facts about the Peer to Peer (P2P) Market 1 P2P is not crowdfunding PEER TO PEER LENDING CROWDFUNDING The practice of unrelated individuals or companies lending money directly to one another
More informationYOUR MORTGAGE ESSENTIAL GUIDE - Residential Home Mortgages
YOUR MORTGAGE ESSENTIAL GUIDE - Residential Home Mortgages Since the financial crisis in 2008 and Euro debt crisis in 2010, western countries financial systems have been damaged seriously. All governments
More informationThe Money Statistics January 2015
The Money Statistics January 2015 Welcome to the January 2015 edition of The Money Statistics The Money Charity s monthly roundup of statistics about how we use money in the UK. These were previously published
More informationFIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE
BRIDGING & FINANCE BROKERS FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE Bridging loans inside 48 hours Call us anytime 0800 699 0555 www.rapid-bridging.co.uk Introduction If you need short-term finance,
More informationMortgages. Introducer Case Studies. Tailor made mortgages; how we get the perfect fit. Contents. Page
Introducer Case Studies Mortgages Tailor made mortgages; how we get the perfect fit Contents Page Interest Only into Retirement Large Loan Size Ex-Pat Self-Employed Residential Bridging 2 3 4 5 6 Interest
More informationRetirement. Providing solutions for your future
Retirement Providing solutions for your future ,,,, We firmly believe that retirement is a time to enjoy the rewards of your lifes hard work and having access to the funds to turn your ideas and dreams
More informationA Professional Approach to Short Term Lending Secured against Land or Property
A Professional Approach to Short Term Lending Secured against Land or Property 2012 Edition A Professional Approach to Short Term Lending Secured against Land or Property Introduction The members of the
More informationGuide to: Consolidation Loans. Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.uk
Guide to: Consolidation Loans Debt Advisory Services (Scotland) Limited Telephone 08000112322 www.scottishdebthelp.co.uk Contents 1. What is a Consolidation Loan 2. Re-Mortgages 3. Secured Loans 4. Personal
More informationWelcome to Debt Deliverance
Welcome to Debt Deliverance The aim of this information pack is to give an overview of how we can potentially help you and your clients get a better deal. However there is a lot more to Debt Deliverance
More informationHelping your clients through retirement think house, think equity release
For For financial intermediary use use only. only Not approved for use with customers. Helping your clients through retirement think house, think equity release Not qualified? Referrals - The Right Way
More informationResidential and Buy to Let Mortgages Supplementary application form
Residential and Buy to Let Mortgages Supplementary application form Intermediary details Contact name FCA registration number Loan details Date of original purchase (remortgage only) If remortgaging, what
More informationIntroduction to Reverse Mortgages...
Introduction to Reverse Mortgages... A reverse mortgage is a loan that allows you to access a portion of the available equity in your home. The proceeds from the loan may be *tax-free and you choose how
More informationThe Help to Buy: equity loan scheme What you need to know before you go ahead
Page 1 of 5 The Help to Buy: equity loan scheme What you need to know before you go ahead What is the Help to Buy: equity loan scheme? The Help to Buy: equity loan scheme is a Government backed programme
More information