2 P M Mortgage & Protection
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2 P M Mortgage & Protection
We are 2pm Mortgage and Protection Advisors, located on Stony Stratford's High Street, Milton Keynes. Philip Rayner, the sole owner and proprietor, is a professional adviser who has been in the Construction, Property and Financial Services Industries since 1979 Philip is both Certificate in Mortgage Advice and Practice (CeMAP) and Certificate in Regulated Equity Release (CeRER) qualified.

Since entering the financial services industry Philip has been an independent financial adviser, owned his own business and is currently the sole trader of 2pm Mortgage & Protection as well being co-owner of 2pm Management Ltd.
Services
The experience of purchasing a property to call your home can be both exciting and frustrating. One of the main objectives in deciding to purchase a property or moving, is getting all your facts, costs and information upfront. If you need a mortgage find out what you can afford which will then dictate what price property bracket you can look to buy.
Whatever the reasons, reviewing your current mortgage product is a must. Life is all swings and roundabouts - financial situations, living situations, and peoples' general circumstances change. It's not just about ensuring you achieve your objectives or goals but to maintain a mortgage product that is right for you at all times.
Buy-to-let is exactly what is sounds like - buying a property for the sole purpose of letting it out. It's a popular investment strategy for many people hoping to make money. Some people make a living out of buying and renting properties and are known as professional landlords. Buying a property to let is very different from owning your own home.
Retaining the use of a house with capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house is the aim of equity release. The demand for equity release continues to grow and, with many arriving at retirement with smaller pension pots, we expect more retirees to look for a solution to help them address their income shortfall.
Personal Protection covers you in case of life's inevitable mishaps and the things you wish will never happen. Critical illness is covered, income protection and holiday mishaps are covered. These kinds of insurance contracts are in place to ensure that if the worst should happen you get the best out of a bad situation.
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