Signed in as:
filler@godaddy.com
Mortgages
FIRST TIME BUYERS
Buying a home is one of the most important purchases you will ever make and buying a home for the first time will be an even more daunting prospect. It can be very stressful and overwhelming, that’s where we can help.
Here at Hudson Financial Solutions, we hold your hand every step of the way and make the process as simple as possible.
REMORTGAGE
There are many reasons to get advice on a remortgage. You may wish to release money from your property to improve the home, buy a car, pay for a Wedding, consolidate some debt or even just to get a better rate and change the term of your Mortgage. What ever the reason, we can help.
Think carefully before securing other debts against your home; your home may be repossessed if you do not keep up repayments on your mortgage.
MOVING HOME
The next purchase may very well be the most important one. The need to move may be based on job change, schools or just to climb the ladder. There’s often extra costs and fee’s associated with a move. You may be tied in to your existing lender, with high early repayment charges, these can be avoided. Talk to us about the details of your next move and we’ll be happy to guide you through each step.
BUY TO LET
You may be a first-time landlord, an experienced landlord or a portfolio landlord. Either way we are here to help. Talk to us about your property investment aspirations – we’ll be happy to help.
Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority
PROTECTION
LIFE COVER
Life insurance pays out a lump sum, or an income, in the event of a policy holder’s death. As part of your protection review, an Advisor will guide you through how you can protect your family, should the worst happen. We can arrange for a mortgage to be cleared upon your death, or for an income or lump sum to be left behind for your family.
As well as advising on and arrange your cover, an Advisor can also place your life insurance policy ‘in trust’. This means you can choose wo receives the money, and that they receive it quickly, without having to pay inheritance tax.
CRITICAL ILLNESS
Critical Illness Cover (CIC) pays out a tax-free lump sum in the event of the policy holder being diagnosed with a critical illness. Each insurance provider covers a range of conditions, and most offer a variety of options to fit your budget. Our Advisers will find you the best cover from across the market, based on your preferences and affordability.
The process we use includes finding a policy with the most relevant conditions to you, based upon your age, sex and if you are (or have been) a smoker. Many policies now include a section for children’s critical illness cover too, which our Advisers will also factor into their research.
INCOME PROTECTION
Income protection pays out a tax-free income in the event of a policy holder not being able to work through ill health or injury. At first, your employer may offer sick pay (which an advisor will determine during your protection review), but once this stops, Income Protection gives you the peace of mind that you can still pay bills, support your family and your lifestyle.
Income Protection can be of particular importance if you are self-employed, as you’re less likely to have access to adequate sick pay. There are many different income protection plans available to suit a variety of budgets, and most importantly, protect your future.