Just what you need, just when you need it
T Isle of Wight: 01983 533633 | Fareham: 01329 833244
Just what you need, just when you need it
When you’re going through the process of buying or renting a property, there are 1001 things to deal with, while everyday life remains as demanding as ever. Getting most of the financial aspects sorted at one place has got to make sense. That one place is The Clear Advice Group, where we can help you with the following just when it suits you.
Your home may be repossessed if you do not keep up repayments on your mortgage
We all have goals we want to achieve. For many of us buying a home, or trading up to a larger property is top of that list. What can be hard is making the right choice of mortgage without expert advice and guidance. There’s a bewildering array of lenders and mortgage products in the market place, so without help it can be difficult to know you’re making the best decision for you and your family.
As we regularly check what’s on offer from lenders and keep abreast of developments and new products, we’re well-placed to recommend the right type of mortgage to meet your needs.
We understand how important a decision getting the right mortgage is. It’s not just about taking on a sizeable loan; it’s about getting the best, most appropriate deal for your financial circumstances and knowing you’ve made sound choices for your future.
Whatever your mortgage requirements, we can simplify things for you, cutting through the jargon to find the interest rate and other terms that fit your needs best. From Help to Buy deals through to remortgages that could save you money every month, we cover the full range. Fixed rate, variable rate, capped, tracker – we’ll explain all the options to you.
We help many of our clients with buy-to-let and commercial mortgages, both specialist segments of the mortgage market where our expertise is a huge help. Lifetime mortgages (equity release) are another specialist product, available to older borrowers, who can in many cases unlock some of the value in their home whilst staying firmly put.
Life insurance may not be at the top of many people’s ‘to do’ list, but arguably it’s one of the most important financial products anyone can take out, and one of the best ways of leaving loved ones provided for financially should the worst happen. If your children, partner or relatives depend on your income to cover the cost of paying the mortgage and other living expenses, then it makes good sense to think about the protection and peace of mind that life insurance can give.
The great thing about life insurance is that it can be adapted to meet your changing circumstances and combined with other cover, so that as well as providing a lump sum payable on your death, you can also protect against life’s other unexpected events. Policies can be tailored and cover added to provide the right plan to meet your needs at any stage of your life.
Life insurance to pay off your mortgage if you die is vital, but other protection helps make sure you can meet mortgage or rental payments for a while after a qualifying accident, sickness or unemployment. We can also arrange critical illness cover that pays a lump sum in specified cases, income protection and, for businesses, key person cover.
Home insurance for buildings and contents is a valuable buffer that protects thousands of families each year from unexpected and unwelcome loss and expense following events like fire, flood or burglary.
Choosing from the hundreds of policies currently on offer in the marketplace can be bewildering and time-consuming, and that’s where we can help clients. We will find you the most suitable deal for your money. Finding the most appropriate property insurance is not about getting the cheapest deal; what matters is that you get the cover you really need at an affordable cost.
Owner-occupiers need buildings and contents cover; if renting, your landlord usually insures the buildings. If you’re a landlord, we can help with your cover, too. Don’t overlook public liability insurance, in case somebody is hurt on our near your property and blames you for their injuries. We also arrange policies for many types of business.