Now that you have had your mortgage for some time it may be worth taking time to have the experienced team at Lidierth Financial review your mortgage needs. As over time all our needs change. From consolidating some short term borrowings or releasing some built up equity for home improvements re-mortgaging can help lower your monthly out goings.
Trade Up / Trade Down
As your home situation does not stay stationary neither too does your mortgage needs. We at Lidierth Financial can advise you on your mortgage should you find the need to move home to either a larger or smaller house.
First Time Buyer
As a First Time Buyer the mortgage process may seem like a daunting experience. At Lidierth Financial we are here to guide you from start to finish.Our experienced Mortgage Advisors will advise you of all of the costs involved up front and clearly outline what to expect at each stage of the mortgage process.
Mortgages to build
From your initial application for Planning Permission for your new house, the Mortgage Advisors at Lidierth Financial will be there to help and advise you until you move in to your newly constructed home. We can provide some contacts that may be useful during this time i.e. Engineers, Surveyors and Solicitors.
Once you have completed your mortgage, we are committed to help and advise you on all financial matters. Our ultimate goal is to ensure we provide you with timely professional advice when you need it most. We will assist you to protect: Your HOME, INCOME, MORTGAGE AND FAMILY
Mortgage Repayment Cover
If you are out of work for a short period of time this cover can pay your mortgage for you for up to twelve months. It is a low cost cover that provides immediate protection after thirty days in the event of redundancy, accident or sickness. This policy can be affected at any stage after your mortgage loan has issued.
Your income is the driving force of your lifestyle. Should you be unable to work due to any illness or accident how will you continue with your current lifestyle? By speaking to the Advisors at Lidierth Financial it may be possible to take out this exceptional type of cover which can pay you an income up until retirement age.
Providing a realistic income for you during your retirement years is one of the most important financial transactions you will ever undertake. Having worked hard for many years it would be nice to know you have the financial ability to enjoy your retirement without financial worries. Let us help you provide for those times with a pension that meets your needs.
In the event of an untimely death or Serious Illness are you and those close to you protected? If not the team at Lidierth Financial are here to guide you through all of the many options available in the market.
With a choice of over thirty home insurance companies to choose from the Advisors at Lidierth Financial can find a home insurance policy to suit everyone’s needs. As it is a requirement of every mortgage to have House Insurance in place you need not go elsewhere as we have it all under one roof.
If your income is irregular, you have had difficulties in repaying other loans, mortgages or other forms of credit in the past we have access to lenders who have developed a range of options to cater for these circumstances. Please give us a call for full details.
The arrangement/negotiation of finance for your commercial property requires a detailed understanding of business from both the customer and bank aspect. With our extensive experience in this area and access to all the major providers we can help you achieve your goal. Putting together the deal which is correct for you will help ensure success long into the future.
You may find the need to carry out some minor home improvements or find that your monthly personal loan repayments are leaving your pocket lighter than you would like. By topping up your mortgage to consolidate your personal borrowings you may be able to save some extra cash monthly as mortgage rates are generally lower than personal loan rates.