A mortgage is likely to be your biggest financial commitment. It’s important to get it right. We do two face to face appointments with you at our cost at a time and place that is convenient for you. These appointments are without obligation enabling you to make an informed decision.
Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secure on it.
Buying your first home can be both scary and exciting. Tandi will help you right the way through the process.
You may be an experienced landlord with several properties, or a first-time landlord. I’ll source the most suitable mortgage deal and handle the whole process for you.
The Financial Conduct Authority does not regulate some forms of Buy to Let. Your home may be repossessed if you do not keep up repayments on your mortgage.
We take the stress out of this move by handling the financial process for you. This may mean taking your existing mortgage product to your new home or arranging a new one for you.
You may have to pay an early repayment charge to your existing lender if you remortgage.
We arrange suitable protection that is both personal and affordable to make sure that whatever happens, you and your family stay in your home and enjoy their lifestyle, whether you are employed or self-employed. As with all insurance policies, conditions and exclusions will apply.
Life insurance provides peace of mind that your loved ones will be financially supported if the worst happens. It can help repay your mortgage, cover family living costs, or provide a lump sum for those you leave behind.
Life cover can be set up as mortgage protection or family protection, with the benefit paid either as a lump sum or as regular monthly payments (known as Family Income Benefit). All are designed to help protect your home, your family, and your lifestyle.
Critical illness cover pays out a lump sum if you’re diagnosed with a specified serious illness during the policy term. It can help ease financial worries at a difficult time, giving you the freedom to focus on recovery.
Like life cover, it can be arranged as mortgage protection or family protection, with the benefit paid as a lump sum or as Family Income Benefit — tailored to the needs of you and your loved ones.
Income protection is designed to replace part of your income if you’re unable to work due to illness or injury. It provides ongoing support so you can continue to meet essential commitments like your mortgage, bills and everyday living costs.
Ensures business continuity if a key person or business partner suddenly dies or is diagnosed with a critical illness.
These plans are usually short-term plans and protect you against the impact of property damage, theft, burglary, unemployment and health costs. The only one of these plans that you do have to have as a mortgage contract requirement is buildings insurance. The other plans are optional and are good to have providing you with additional security.
Accident, sickness, and unemployment insurance serves as a safety net, offering financial support in the event of unexpected life changes, such as job loss or health issues.
Private medical insurance offers individuals and families access to timely healthcare services, ensuring that medical needs are met without long waits associated with the NHS. This type of insurance covers a range of treatments, consultations, and hospital stays, providing peace of mind for policyholders. Private medical insurance is provided by referral only.
Together, these insurance options provide comprehensive protection, helping individuals maintain their health and financial stability.
Buildings cover is a requirement of all mortgage providers. It usually covers the re-build costs of the property and should be in place on exchange of contracts.
Also buildings insurance for rental properties and can include rental protection insurance, unoccupied property cover and liability insurance cover.
