I qualified as an Associate of the Chartered Building Societies Institute in 1981 and was elected as a fellow of the Chartered Institute of Bankers in 1987. I have worked in the financial services industry for over 40 years. I have spent 26 of those years at a leading regional building society where I started as a trainee and made my way to Area Manager in Sussex and Kent.
It was during this time that I obtained my full qualifications in the Certificate of Mortgage Advice and Practice (CeMAP). I then worked for just over 10 years for a firm of Independent Financial Advisors providing mortgage and protection advice to their clients. For the last 4 years I have been running my own company providing mortgage advice for residential, Buy-to Let, commercial mortgages, secure loans and bridging finance.
It was during this time that I obtained my full qualifications in the Certificate of Mortgage Advice and Practice (CeMAP). I then worked for just over 10 years for a firm of Independent Financial Advisors providing mortgage and protection advice to their clients. For the last 4 years I have been running my own company providing mortgage advice for residential, Buy-to Let, commercial mortgages, secure loans and bridging finance.
Services
The list seems endless, and it can often prove difficult or confusing for borrowers when trying to reach the right conclusions. This is where a competent & experienced Mortgage Adviser can help smooth the path to finding the right solution for you. Many of us are looking for a better mortgage deal, or would like to release some of the equity in our home but the process is often not as easy as it first appears.
Over the past 10 years buying property to let has become big business in Britain. Low interest rates coupled with attractive rental incomes made this a suitable alternative to many other, more traditional forms of Investment. However the recent 'credit crunch' has made investment in buy-to-let properties a much tougher prospect than it once was.
Equity Release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a lump sum or, in several smaller amounts or as a combination of both. With a Lifetime Mortgage you take out a mortgage secured on your property provided it is your main residence, while retaining ownership.
Unfortunately, none of us know exactly when any of these might happen to us, so it makes sense to protect our financial security in case they do. The answer to this will depend on your individual circumstances, but we can provide solutions from a range of quality providers, that meet your specific requirements.
When two or more people own a business between them, and one of them dies, it can leave the remaining owners in difficult financial circumstances. The deceased owners share of the business will pass to their nominated beneficiaries, and in many cases, the beneficiaries will prefer the cash value of their share rather than ongoing participation in the business.
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