Services
Buying property is probably the biggest purchase most of us will ever make. At Knowsley Mortgages, we offer a wide range of services to ensure you have a package of products which is tailored to your circumstances. Whether you are buying a new home or considering investing in property, take a look at how we can help.
Protection Suite
None of us like to think about what would happen if our circumstances changed and we were unable to work. However, knowing that you and your loved ones are fully protected can ease the worry. At Knowsley Mortgages we can help you to assess your needs and ensure that you have adequate insurance in place, giving you peace of mind. Protection products you may consider include:
Critical Illness Cover
Should you be diagnosed with a critical illness, this cover will provide a tax free lump sum. This can help with medical costs, paying off your mortgage, or however you choose to use it.
Income Protection
If you have an accident or become ill and are unable to work, income protection can cover the cost of your mortgage payments. We can help you to ensure you have the level of cover which is right for you.
Family Insurance Benefit
If you have dependents, how would they cope if you found yourself unable to work. FIB can help with the living costs involved with raising a family, should you find yourself in this situation.
Life Insurance
Life Insurance gives you the peace of mind of knowing, you can leave a sum of money behind to help your family pay for any financial commitments or bills that would need to paid if you passed away. A lump sum paid upon your passing could be very useful If you have dependents.
Mortgage Protection Insurance
Should you become unable to work due to sickness or an accident, or if you are made redundant, this insurance policy will ensure that you are still able to make your mortgage repayments, while you get back on your feet.
As with all insurance policies, conditions and exclusions will apply.
Mortgage Services
Perhaps you’re taking the first step on the property ladder. Or maybe you have found your forever home. Or are you simply looking to refinance? Whatever your individual circumstances, at Knowsley Mortgages we search the whole of the market, meaning we may be able to find deals which aren’t available on the high street – potentially saving you thousands of pounds. We can talk you through the many different types of products available, making it simpler for you to decide what’s right for you.
Buy to let
If you are looking to buy an investment property, or already have one, or even a portfolio, we can help you to get the best return on your money by finding you a mortgage with the most competitive interest rates. Be aware that your property may be repossessed if you do not keep up repayments on your mortgage. Not all Buy to Let mortgages are regulated by The Financial Conduct Authority
Remortgage
Remortgage – Are you looking to make home improvements, or consolidate your debts? Remortgaging can be a cost-effective way of borrowing the money to make it happen. Or perhaps you simply want to take advantage of lower interest rates, or change the terms of your current mortgage. We can help. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up the repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage.
Premier to adverse
When it comes to mortgages, one size doesn’t fit all. One of the many benefits of working with a ‘whole of market’ mortgage advisor, is that we can find the products which fit your circumstances. For example, if you’re looking for a high net worth mortgage, you may not get the best deal by shopping on the high street. We have access to specialist high net worth lenders and our extensive experience means we can help you ensure you are getting the best deal. On the other hand, if you have a low credit score, or a County Court Judgement, with our experience, we can help to find the mortgage providers who are most likely to say yes.
Capital and Interest only
While most mortgages are repaid using the capital and interest, or ‘repayment’ method, you may wish to consider taking out an interest only product. This means that your monthly payments may be lower, but you will need to ensure that you have the means to pay the balance at the end of the term. With our expert advice, you can be sure that you are choosing the method which works for you now, and in the future.
*Your home may be repossessed if you do not keep up repayments on your mortgage.*
Insurance
Here at Knowsley Mortgages, we know the importance of home. That’s why we search a wide selection of insurance products to help protect you and your family. Insurance policies come in all shapes and sizes. With our extensive knowledge, we can help you choose the right level of cover for your needs.
Buildings and Contents Insurance
Your house is a huge investment. Make sure you are fully covered for damage caused by fire or flood, and many things in between. Contents insurance can range from very basic, to much more comprehensive – it’s important to know what you are getting. We can help with that.
As with all insurance policies, conditions and exclusions will apply.
Talk to us, No obligation
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Jeffrey Thompson T/A Knowsley Mortgage and Financial Services is an appointed representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority.
Your home may be repossessed if you do not keep up repayments on your mortgage.
*There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances.