Protect My Home

Buying a new home is a costly business. Aside from the main expense of the house itself, it can seem like you’re forever forking out for extra costs, including stamp duty, arrangement and valuation fees, mortgage broker fee and buildings and contents insurances. We introduce our clients to a carefully selected panel of FCA regulated mortgage and secured loan brokers who are able to offer a prompt lending solutions service. By reviewing your individual circumstances in conjunction with the whole market place, they can tailor make a mortgage and secured loan to suit your needs.

Your home may be repossessed if you do not keep up repayments on a mortgage, loan or other debt secured on it.

Get in touch: 01276 986333

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"We were kept informed at all times and the whole process ran very smoothly, with a minimum of form filling to a quick and hassle free completion"

A.P - Ascot

 

"A brilliant service - would and have already recommended you"

P.P - Wokingham

 

"​I just wanted to express my sincere appreciation at how hard you worked to find me life insurance. I know it wasn’t easy and it took a long time but you did it and I am truly grateful! I could not be more pleased with the amazing service from Asset Harbour. I highly recommend them!!

J.P - Cheltenham

Mortgages

Mortgage advice, from a reputable broker, can be an invaluable service – and here's why;

You're protected

An important thing to understand is that when you receive mortgage advice, your mortgage broker has a duty of care to you. They have to recommend a suitable mortgage and be able to justify why the particular mortgage they have chosen is right for you. If their advice is not up to scratch, you can complain and be compensated.

In contrast, if you go directly to a high street mortgage lender, don't take advice, and end up with a mortgage that later becomes unaffordable, you may not have so much legal recourse. (However, under the rules of the Mortgage Market Review, it's the lender's responsibility to ensure affordability – so even if you buy direct, you could have some recourse. Nonetheless, a broker can still offer a valuable layer of protection.)

A mortgage broker is qualified

There's an awful lot to think about when choosing the right mortgage. It's not as simple as just opting for the cheapest fixed or tracker rate mortgage you can find!

Mortgage brokers have to be qualified to give you mortgage advice, whereas you may not get that kind of guarantee if you ring up a lender's call centre. That said, new regulations mean that all call centre staff need to be advisers or must refer you to someone who is, and if you went in-branch, you'd be able to arrange an appointment with one of their mortgage advisers.

A broker is on your side

An independent mortgage broker will look for the best mortgage for you. They aren't on the lender's side, they're on yours, and they'll give you access to far more products than if you went direct. You'd get unbiased advice and would be able to choose from a range of lenders and subsequent products, rather than being restricted to the single range of the lender you go to.

Home insurance is a type of insurance product that protects your property and your belongings. There are three main types of home insurance: buildings insurance, contents insurance and combined buildings and contents insurance.

Buildings insurance covers the cost of repairing damage to the structure of your property. This includes the walls, windows and roof as well as permanent fixtures and fittings such as baths, toilets and fitted kitchens. As a general rule, buildings insurance covers the cost of rebuilding your house from the ground up. 

This type of insurance is usually compulsory if you have a mortgage, and could save you a fortune if something damages your home, like a fire or flood. Without building insurance, you would need to foot the bill of the rebuild of your home, and pay your mortgage at the same time.

Contents insurance on the other hand, covers the cost of replacing your belongings in your home if they are damaged, destroyed or stolen. Generally, your ‘contents’ are defined as the items that you would take with if you moved home - – so your clothes, furniture, fridge and television (carpets are also usually included). 

 

Call us now - 01276 986333 for more information or email info@assetharbour.com

 

Consolidate your debts?

People all over the UK are releasing the available equity in their properties to help make desired purchases, such as home improvements, holidays or perhaps a new car. Or, this money can be used to consolidate debts on credit cards or loans, putting them into one manageable monthly payment.

 

 

 

Let us do the work for you

We work with brokers and intermediaries throughout the UK who aim to provide you with an exceptional service from start to finish. Through our panel of specialist lenders, we have access to substantial funds that can be used for secured loans via a second charge from £3,000 to greater than £2.5 million and bridging finance solutions from £25,000 up to £25 million.