You and your family

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Developing your finances

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Protecting your family

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Financing your home

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Your children's future

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Planning your retirement

Your business

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Developing your business

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Protecting your business

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Rewarding your team

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Selling your business

PPS Vets

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About us

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Who we are

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What we do

Financing your
home

We are independent mortgage specialists – here to help you find the right deal for financing your property.

Whether you’re a first-time buyer, moving home, looking to borrow more on your existing mortgage, or a buy to let landlord, we’ve got the right solutions for you.

You can count on us for specialist advice and support, with our dedicated team providing the best service possible. And when it comes to protecting yourself, your loved ones or your home, we can put in place the right insurance to ensure your peace of mind.

As a mortgage is secured against your home or property, it may be repossessed if you do not keep up the mortgage repayments. Think carefully before securing other debts against your home or property.

First-time buyer

We understand that buying your first home can be a stressful experience; stepping into the unknown and making what may well be the largest financial commitment in your life.

With our extensive experience of helping first-time buyers, we will ensure you get the right advice and the right mortgage.

What we’ll also do is guide you through the house buying process and laying out the steps you need to take care of.

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Moving Home

If you’re looking to move home, the process doesn’t differ too much from when you bought your first property. There are just a few things to take care of, but we’ll take you through your mortgage options.

If you have a good deal on your current mortgage, it may be possible to transfer this across to your new mortgage. We’ll advise if that’s the best option, or if you’d benefit more from taking a new deal.

Either way you’ll get all the pros and cons and the right advice, so you can make the choice which suits you best.

Remortgage

There are a number of reasons why you’d consider a remortgage. You may be looking to develop your home, you may want to take advantage of a better deal on the market, or you could decide to borrow against some of the equity in your house to make a purchase or repay other debts.

It can be very tempting to renew with your current lender because it might seem like the easiest option. However, you could be missing out on a really competitive deal elsewhere so it’s always worth reviewing the market to see what else is available.

Remember that it pays to plan ahead, so if you have a mortgage deal which is due to expire, speak to us around six months in advance. This will ensure we have plenty of time to work with you and ensure you get a great new deal.

Buy to let

Being a landlord can be a great way to increase your income, and our specialist advice will help you make it as profitable as possible, but there are some factors to take into account.

As a buy to let landlord you could be eligible for a range of tax benefits on things like mortgage interest repayments, rental insurance, and property maintenance. We work with tax experts who can advise you on these matters.

You should also be aware that there are some extra costs through taking out a buy to let mortgage.

Interest rates

Firstly, the interest rate on your mortgage is likely to be around 1-2% higher than conventional residential mortgages. Lenders consider any property you’re not going to live in yourself as a greater risk, as tenants don’t have the same commitments as an owner occupier.

Larger minimum deposit

For a residential mortgage you can pay a small initial deposit of around 5%. This differs for buy to let. Lenders like you to have a larger personal stake in a buy to let property as it reduces their risk. We have extensive experience in guiding landlords through all the rules and regulations surrounding buy to let mortgages, so get in touch if you have any questions or concerns.

Insurance

When you have made a huge investment in owning your own home, the last thing you want is something unexpected to shake the foundations. It’s therefore vital that you insure to protect yourself, your loved ones and your home.

Protecting you and your loved ones

How would your dependents cope financially if you weren’t there to provide for them? How would your lifestyle suffer if you became ill and couldn’t work or provide an income? We can provide you with some key cover to ensure your peace of mind.

From income protection to critical illness cover and life insurance, we can get the right protection for you and your loved ones. And when it comes to protecting your home and its contents, we can take care of this too.

NEXT: Planning for your children's future

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