Insurance
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What Is Insurance?
When buying a property most people quite rightly focus on getting the best mortgage terms and securing the most competitive monthly payments. It is also important, and a requirement of all mortgage lenders, that the property is suitably insured. Building insurance should be in place and in force at the point of exchange to ensure you are not exposed. Whilst contents insurance is not a lender requirement it is important that your personal possessions and treasured items are also insured.
How can we help?
At CAPC we will review and can arrange suitable policies to ensure that you have adequate protection in place at the appropriate time. We only work with highly regarded and stable providers to ensure you have complete confidence in your building and contents policy.
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Insurance Blog
What does a mortgage broker do?
Does giving up a day of your time to sit in an office or bank, answering questions and filling out paperwork sound like your idea of fun? No. Ours neither. Most people assume that getting a mortgage means heading straight to your bank. But unfortunately, this can mean missing out on the right deal for your needs.
Divorce: What happens to the family home?
The family home is something special and close to many people’s hearts. A place where memories are made and a place you can always come back to, no matter where life takes you. So when relationships break down and households split, it’s no surprise that there’s a main concern for what will happen to the family home.
How to get a mortgage with bad credit
Understandably, banks and building societies are careful who they lend money to, and financial histories are always looked into, with no exceptions.
Looking into a credit history will show up any defaulted payments and give the lender a good impression of how financially responsible you are with your spending.
7 Tips to improve your credit score
If you were about to lend someone a large amount of money then you’d want to know that they are responsible and capable of paying it back and aren’t hiding anything below the surface, right? That’s why lenders look at credit ratings to help decide whether to a) lend you money b) how much to lend you, and sometimes c) how much interest to charge.
Testimonials
Doing a good job is important to us, so we’re always delighted to receive positive feedback from our customers.
Here’s what some of them have been saying about us recently.
Mrs T
“I have been referred to Chris by a professional network and I am extremely glad I have! They have assisted me in getting the best mortgage and I couldn’t be happier with their services and professionalism. I would highly recommend the entire team to anyone wishing to seek advice in this area!”
Mr B
“From Start to Finish all the team at CAPC were helpful and delivered a very professional service, with regular updates on the status of our application and good advice on the options which were available, a great service which I would recommend Thanks Again.”
Mr C
“CAPC were excellent in sorting my Mortgage in tight timescales. The team managed the process from start to finish and provided confidence that they could develop a great solution. They sourced a cheaper and better product with the added benefit of an offset. I would recommend their services to others.”
Contact our expert advisers now
Call free from landline or mobile
01789201914
Your home may be repossessed if you do not keep up repayments on your mortgage.
There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.
There is no guarantee that it will be possible to arrange continuous letting of the property, nor that rental income will be sufficient to meet the cost of the mortgage.
CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Christopher Allen Private Clients Limited. Registered Office: 7 Arrow Court, Adams Way, Alcester, Warwickshire, B49 6PU. Registered in England Number: 08820469