Mortgages

First Time Buyers	Home Movers
Remortgages	Buy to Let
Let to Buy
Protection
Life Cover	Critical Illness
Buildings and Contents	Payment Protection Insurance

First Time Buyer

Getting on the property ladder without specialist help can be a daunting experience. This is why many first time buyers find our market expertise and jargon-free advice invaluable.

Premier Financial Ltd can help you avoid the common pitfalls and will keep you updated with the progress of your mortgage offer. In other words, we can take the worry out of the mortgage process - so you can concentrate on the other important factors.

Home Movers

As specialist mortgage consultants, we understand that buying your own home will most likely be the largest, the most important and the most exciting purchase you will ever make – and that’s where we are here to help.

We are here to guide you through each and every step of the mortgage maze. We’ll ensure that you are given the best possible advice and that above all, you will end up with the mortgage that’s best for you.

Remortgages

Your mortgage is probably the biggest financial commitment that you will make in your lifetime. Not suprising then that most people associate mortgages with being tied down and with paying through the nose for twenty-five years. There are ways of being less tied down, and of reducing your costs.

Many of us in the UK are currently paying our mortgage lenders Standard Variable Rate (SVR), which does not represent good value for money. By switching to a market-leading rate, you could save thousands of pounds. Remortgaging simply means switching your mortgage to a different lender.

Buy To Let / Let to Buy

The housing boom, lack of faith in pensions and underperformance of the stock market has led many people in the UK to invest in buy to let. But like any investment, it's not risk-free.

If you go into it with your eyes wide open, there's no reason why your buy to let venture can't work for you and find you the best mortgage.

Landlords are often put off remortgaging or or purchasing a BTL property because they think that the 'hassle' involved outweighs the rewards. The financial benefits are very real and you'll find that we go out of our way to make the process as painless as possible. BTL purchase or remortgaging isn't nearly as much problems as most people think - particularly if you use our simple online remortgage enquiry form. Then one of our dedicated mortgage advisors looks after your remortgage for you - making it all effort than you first anticipated.

Life Cover

The ideal purpose of any policy that pays out upon death, is to ensure that surviving dependants receive a sufficient lump sum or income to enable them to maintain the standard of living they are accustomed to.

Critical Illness

Critical illness policies pay out if you suffer from a specified serious illness like a heart attack, stroke or cancer. The aim is that the payout should ease any financial worries that you might face during recovery. Policies that provide this cover will pay out a lump sum on diagnosis of a specified critical illness.

Building and Contents

Buildings insurance is the only compulsory insurance that you must take out with a mortgage. This does not have to be with the mortgage provider. Contents Insurance is optional but is always beneficial for protecting your household possessions.

Payment Protection Insurance

Payment Protection Insurance can help ensure that the cost of your monthly outgoings can continue to be met in the event of unforeseen circumstances.