Mortgages

Talk to us as soon as possible, ideally before you start your property search, to make sure you know exactly how much you can borrow. With ever more stringent rules and criteria for lending now in place, it makes sense to speak to our friendly, professional team at Bespoke Money to guide you through the mortgage lender maze. In our experience, relying on the limited range of mortgages from your bank or trying to make sense of the myriad of rates and options on mortgage comparison sites, will not ultimately give you the best financial solution that is tailored to meet your individual needs and circumstances.

We are happy to start the process by either talking over the phone or arranging a meeting at your convenience. We will ask you to complete a straightforward questionnaire to help us get a complete picture of you and your financial objectives. We will also ask you to provide answers to a health questionnaire to help us recommend the most appropriate insurance for your protection and peace of mind. Once you have found your ideal home, we will sit down with you and run through all the paperwork before completing the mortgage application form on your behalf. You can rest assured we will keep on your case with the mortgage lender and respond swiftly and efficiently to any queries that may arise. We will go the extra mile to make sure this whole process is as seamless and stress-free as possible.

Getting a mortgage is one of the most important financial decisions you will ever make, which is why we are here to make sure you get it right from the outset. There will be a fee for our mortgage services, the precise amount will depend on your circumstances and the complexity of the case, our typical fee is £350. Think carefully about securing other debts against your home or property. Your home or property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

Please call us on 0203 793 3690 or email matt@bespokemoney.net to arrange an initial meeting. This meeting is free of charge and without commitment. We look forward to hearing from you.

Personal Protection

There are things in life we prefer not to think about or imagine might ever happen. But life is full of risks and uncertainties, which is why it is essential you make sure your financial future is covered and secure for both you and your dependents, whatever life may throw at you. When purchasing a home and borrowing a substantial amount of money on a mortgage, it is vital you are prepared for any eventuality. Have you ever thought about what might happen to your family if you suddenly found you were unable to work through illness, a serious car accident or having to face the consequences of a life-threatening disease like cancer?

At Bespoke Money, we believe it is our responsibility to discuss these issues openly and honestly with you so that your home is never at risk and your dependents are provided for should anything totally unexpected happen to you. Once we know the risks that are most important to you and the likely outcome of you being unable to work and provide for your family,
we will search our leading panel of trusted insurance providers to come up with a bespoke, affordable solution that
covers all your needs.

It is important to review your personal cover at key stages in your life. While you may not wish to insure your life as a single person, this obviously changes when you have a partner and a young family to support. You may wish to reduce this later in life when your children are no longer at home and your mortgage has been repaid.

Call us today on 0203 793 3690 to discuss the cover you require such as: Life cover and critical illness cover which will protect you and your dependents against the financial impact caused by a critical illness or life-threatening disease or if the worst was to happen. Income Protection insurance is designed to cover you for a short or long term sickness or disability. Accident, Sickness and Redundancy cover (also known as Mortgage Payment Protection insurance) will cover you for a short term basis up to a maximum of 2 years.

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