ASC Finance Newsletter: Spring 2017

Size: px
Start display at page:

Download "ASC Finance Newsletter: Spring 2017"

Transcription

1 ASC Finance Newsletter: Spring 2017 What Types of Commercial Finance can ASC arrange? Success! See what we have achieved for our clients Taking the Hassle out of commercial finance 10 Reasons to Work with ASC Finance for Business

2 What Finance can ASC arrange? ASC Finance for Business have been raising finance for small business owners and entrepreneurs for over 45 years. We understand that arranging finance for a business can be a time-consuming and daunting experience. The bank manager has disappeared, but luckily ASC Finance are still here. ASC have access to a wide range of lenders and terms, in order to get the right finance for you and your business. We arrange: Business Loans Working Capital Development Finance Peer-to-Peer Finance Commercial Mortgages Asset Finance Property Investment Finance Bridging Finance And More... If you would like to find out how ASC can assist your business in raising finance, then contact us today, with no obligation, and speak to an experienced director local to you. Contact us today and speak to an experienced ASC Director who will guide you through all the finance options available to you and your business.

3 Success Stories ASC Finance arranged 10.5 million of development finance arranged for the purchase and construction of 11 townhouses We arranged a commercial loan of 400,000 for a longestablished solicitors practice to consolidate their debts and provide additional working capital Despite having been declined by their bank, ASC were able to assist a client in raising 280,000 to purchase the freehold to their post-office ASC assisted a family run restaurant in raising a commercial mortgage of 260,000 for the purchase of the freehold of their premises. They are now saving money by paying less in repayments than they were on their previous rent. 90,000 raised via the Enterprise Finance Guarantee scheme for a couple to purchase a leasehold restaurant We raised 1.5 million of property development finance for the construction and sale of 5 houses

4 Taking the Hassle out of Commercial Finance Raising Commercial Finance can sometimes feel like a daunting prospect. And let s face it, the traditional bank manager who knows your business inside out has disappeared. Luckily, ASC Finance for Business are still here. As commercial finance brokers with over 45 years experience in raising finance for small businesses across the UK, we have the expertise to know which lenders to approach, and how to approach them - so that we can secure the right finance for you and your business. And with access to exclusive lenders and terms, why would you go anywhere else? Remember, we focus on raising business finance, so you can focus on running and developing your business.

5 10 Reasons to work with ASC Why should you work with ASC Finance for Business? 1. A Refreshingly Personal Service 6. We re on your Side, we are Independent 2. Finance Brokers with a Track Record for Success 7. Local Service - National Strength 3. We Understand Small Businesses 8. Coordination with your Professional Advisors 4. Direct Access to Lenders and Terms 9. ASC are Highly Recommended 5. ASC Take the Hassle out of Business Finance 10. Nothing but Business Finance In short, when dealing with an experienced finance broker like ASC, you will benefit from the ASC Service Level Guarantee: effective results and a cost-effective service based on a refreshingly personal approach! Why would you want to go anywhere else? Come and talk to us. There is no obligation on your part. If you don t find that we can offer you a better service, then by all means choose someone else to act for you. We accept the challenge!

6 B Whatever finance you are looking for, we ll take the time to talk to you! Remember - we focus on arranging the right finance whilst you focus on running and developing your business Head Office Details T: E: central@asc.co.uk 3 Park Road London NW1 6AS The members of ASC are individually authorised and regulated by the Financial Conduct Authority in respect of regulated mortgages only

Finance Brokers with a Track Record of Success.

Finance Brokers with a Track Record of Success. Finance Brokers with a Track Record of Success ASC Finance Newsletter: Summer 2017 What Types of Commercial Finance can ASC arrange? Success! See what we have achieved for our clients Don t just take our

More information

About your annual mortgage statement

About your annual mortgage statement About your annual mortgage Inside: What s in your annual mortgage pack About your mortgage Account features and benefits aldermore.co.uk What s in your annual mortgage pack Our covering letter to you Please

More information

understand shared ownership

understand shared ownership Helping you understand shared ownership 1 Your So Resi journey Making sure you have simple, clear information as you buy your own home Helping you understand shared ownership About buying your So Resi

More information

Information for mortgage customers. Mortgages

Information for mortgage customers. Mortgages Information for mortgage customers. Mortgages Hello. This is your guide to TSB mortgages. This guide provides lots of information about our mortgages. Some of it is relevant to everyone but some of it

More information

INFORMATION FOR MORTGAGE CUSTOMERS.

INFORMATION FOR MORTGAGE CUSTOMERS. INFORMATION FOR MORTGAGE CUSTOMERS. WELCOME TO YOUR GUIDE TO HALIFAX MORTGAGES. Fold back this page for a brief summary of key mortgage features. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP

More information

Taking charge of Shared Ownership

Taking charge of Shared Ownership 1 Taking charge of Shared Ownership What is it? It s a lot like buying any other home, except you don t have to pay the full price. How big is my share? It s up to you and the scheme. Most shared ownership

More information

To find out more, contact your Business Development Manager or Call Click intermediary.tsb.co.uk

To find out more, contact your Business Development Manager or Call Click intermediary.tsb.co.uk To find out more, contact your Business Development Manager or Call 0345 307 3355 Click intermediary.tsb.co.uk FOR MORTGAGE PROFESSIONAL AND INTERMEDIARY USE ONLY. NOT FOR PUBLIC DISTRIBUTION. If you d

More information

YOUR INTEREST ONLY MORTGAGE DIFFERENT METHODS OF REPAYING YOUR MORTGAGE. Provided by Scottish Widows Bank

YOUR INTEREST ONLY MORTGAGE DIFFERENT METHODS OF REPAYING YOUR MORTGAGE. Provided by Scottish Widows Bank YOUR INTEREST ONLY MORTGAGE Provided by Scottish Widows Bank DIFFERENT METHODS OF REPAYING YOUR MORTGAGE DIFFERENT METHODS OF REPAYING YOUR MORTGAGE INTEREST ONLY An interest only mortgage means that the

More information

RIGHT UP YOUR STREET.

RIGHT UP YOUR STREET. BUY TO LET LANDLORDS GUIDE RIGHT UP YOUR STREET. More and more people are renting. As a landlord you ve got enough to think about, without worrying if you ve made the right financial choices. Our advisers

More information

UNIT 6 1 What is a Mortgage?

UNIT 6 1 What is a Mortgage? UNIT 6 1 What is a Mortgage? A mortgage is a legal document that pledges property to the lender as security for payment of a debt. In the case of a home mortgage, the debt is the money that is borrowed

More information

Buying a resale property

Buying a resale property We can help with Buying a resale property www.familymosaicsales.co.uk WE CAN HELP WITH BUYING A RESALE PROPERTY www.familymosaicsales.co.uk PAGE 1 Contents Buying a resale property 3 Why buy through a

More information

Tariff of charges. Mortgages

Tariff of charges. Mortgages Tariff of charges Mortgages Straightforward and easy to understand At Tesco Bank, we like to be completely fair, open and transparent. So, we ve made sure our charges are easy to understand and as jargon

More information

years INTEREST ONLY MORTGAGES

years INTEREST ONLY MORTGAGES HOMEBUYER S GUIDE Buying a new home can be a potentially daunting process so we ve prepared this step-by-step guide to help you. It outlines the buying process and gives a guide to the different types

More information

A Guide to Releasing Capital from your Home. Advice provided by

A Guide to Releasing Capital from your Home. Advice provided by A Guide to Releasing Capital from your Home Advice provided by FirstStop Advice brings together the expertise of some of the most trusted and respected organisations in the UK providing one national advisory

More information

Thinking of cashing-in your Plan? Please think about the alternatives first

Thinking of cashing-in your Plan? Please think about the alternatives first Thinking of cashing-in your Plan? Please think about the alternatives first We know you re thinking about cashing-in your plan, but before you go ahead you may want to consider some other choices. Please

More information

Property / Land Questionnaire for purchases

Property / Land Questionnaire for purchases Self-Invested Personal Pension SIPP Property / Land Questionnaire for purchases www.investaccpensions.co.uk Contents Section Personal Information About the Property / Land Vendor s Details Details of the

More information

No deposit. No problem. Post Office Family Link

No deposit. No problem. Post Office Family Link No deposit. No problem. Post Office Family Link For first time buyers who haven t saved for a deposit but have good affordability. Helping you get your first home How does it work? If you have a good income

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges 0800 298 5714 precisemortgages-customers.co.uk Precise Mortgages is closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to

More information

Script Raising Private Money from People You Know. For Students Just Getting Started in Real Estate Investing

Script Raising Private Money from People You Know. For Students Just Getting Started in Real Estate Investing (Page 1 of 6) FFA = Friends, Family members, or Associate(s) Your FFA Answers the Phone Live: FFA: Hi, (Name of FFA), this is (Student Name). Did I catch you at a good time? I wanted to run something by

More information

Guide to buying your first home. July 2016

Guide to buying your first home. July 2016 Guide to buying your first home July 2016 Guide to buying your first home Buying a home is the largest purchase most people are likely to make and for first time buyers securing a mortgage for the first

More information

Your guide to. Equity Release. with no obligation

Your guide to. Equity Release. with no obligation Your guide to Equity Release EXPERT ADVICE with no obligation Your introduction to equity release Your retirement should give you the freedom to do all the things in life you haven t had time for. However,

More information

Equity Release Lifetime Mortgages. Making your property work for you in retirement

Equity Release Lifetime Mortgages. Making your property work for you in retirement Equity Release Lifetime Mortgages Making your property work for you in retirement Contents 03 Getting more out of your retirement 04 What is a lifetime mortgage? 05 Some things to consider 08 Alternatives

More information

Mortgage advice you can depend on

Mortgage advice you can depend on Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging it s a big commitment. This guide aims to help you understand what you need to think about making you feel

More information

MORTGAGES. TSB Mortgage Conditions 2013

MORTGAGES. TSB Mortgage Conditions 2013 MORTGAGES TSB Mortgage Conditions 2013 TSB Mortgage Conditions 2013 Please read! We know that having to read a legal contract can be off putting, so we ve decided to do things differently. This booklet

More information

Shared Ownership Step by Step Guide SHARED OWNERSHIP STEP BY STEP. your guide to the scheme.

Shared Ownership Step by Step Guide SHARED OWNERSHIP STEP BY STEP. your guide to the scheme. SHARED OWNERSHIP STEP BY STEP your guide to the scheme www.rooftopgroup.org 1 INTRODUCTION The average home in the West Midlands costs nearly nine times the average local wage and private sector rents

More information

Information about. Support for Mortgage Interest (SMI) benefit ending INFSMI 08/17. Please make sure you read and understand this information booklet

Information about. Support for Mortgage Interest (SMI) benefit ending INFSMI 08/17. Please make sure you read and understand this information booklet Information about Support for Mortgage Interest (SMI) benefit ending Please make sure you read and understand this information booklet This information booklet tells you about the SMI benefit ending and

More information

Choosing the right mortgage...

Choosing the right mortgage... Choosing the right mortgage... There are many types of mortgages available on the market, and it can be confusing to know which one is right for you. We've outlined the basics in this guide, but our advice

More information

Mortgages. A mortgage from the Scottish. Opens lots of new doors

Mortgages. A mortgage from the Scottish. Opens lots of new doors Mortgages A mortgage from the Scottish Opens lots of new doors Moving home made easy In branch experts Whether you re an existing customer or you re new to the Scottish, we value your business and we aim

More information

All you need to know about the. Seniors Money Lifetime Loan. Information for you, your family and your advisers

All you need to know about the. Seniors Money Lifetime Loan. Information for you, your family and your advisers All you need to know about the Seniors Money Lifetime Loan Information for you, your family and your advisers 1 Contents This brochure from Ireland s only specialist Lifetime Mortgage provider highlights

More information

A guide to your mortgage

A guide to your mortgage A guide to your mortgage Residential mortgages PAGE 1 OF 40 A straightforward guide to your new Paragon mortgage This guide takes you through what happens when you purchase a new home and take out a mortgage

More information

INFORMATION ABOUT YOUR MORTGAGE.

INFORMATION ABOUT YOUR MORTGAGE. INFORMATION ABOUT YOUR MORTGAGE. WELCOME TO YOUR GUIDE TO HALIFAX MORTGAGES. Please read this booklet alongside your mortgage conditions and offer letter. It explains our most often used policies and procedures.

More information

Preparing to buy your first home?

Preparing to buy your first home? Preparing to buy your first home? Buying your first home is an exciting journey! However, when you re at the beginning of your home buyers journey, you may be confused about to where to start and worried

More information

Help to Buy Buyers Guide

Help to Buy Buyers Guide Help to Buy Buyers Guide Homes England http://www.homesengland.gov.uk/helptobuy Page 1 of 29 Contents Key information... 3 What is Help to Buy?... 4 Help to Buy overview... 5 How does it work?... 6 Who

More information

OUR GUIDE TO BUYING, REMORTGAGING AND PROTECTING YOUR HOME

OUR GUIDE TO BUYING, REMORTGAGING AND PROTECTING YOUR HOME 1 AND PROTECTING YOUR HOME A HELPING HAND WITH OWNING YOUR HOME. Taking on the purchase of a house can be daunting. With this step-by-step guide, we hope to make the journey a little less overwhelming.

More information

Graduate current account. Get an account that works for you

Graduate current account. Get an account that works for you Graduate current account Get an account that works for you Student life been there, done that. Now it s time to get out there and make your mark. Whatever your plans for the future, you ll need an account

More information

Business Financial Services

Business Financial Services TALK TO US TODAY, WE CAN HELP 01233 800 555 info@scarlettfs.com scarlettfs.com Business Financial Services Scarlett offer a wide range of services aimed at our commercial and business clients. Corporate

More information

MBNA customer questionnaire: Payment Protection Insurance. Section A: about you. Our reference:

MBNA customer questionnaire: Payment Protection Insurance. Section A: about you. Our reference: MBNA customer questionnaire: Payment Protection Insurance Please complete all sections of the questionnaire as fully as possible, so that your complaint can be assessed quickly. We aim to provide a response

More information

5 TOP TIPS FOR MOVING HOME

5 TOP TIPS FOR MOVING HOME BARR FINANCIAL 5 TOP TIPS FOR MOVING HOME If you are thinking of moving home, before you put your house on the market with a local estate agent, make sure your plan to move is going to work and you can

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works - December 2016 What s in this booklet Keeping you informed 3 Application and valuation fees 3 Application fees

More information

Mortgage advice you can depend on

Mortgage advice you can depend on Help to Buy Mortgage advice you can depend on Whether buying your first home, or a homeowner looking to move, Help to Buy schemes help people take steps to buy a home. This guide aims to help you feel

More information

Getting Lenders to Like You!

Getting Lenders to Like You! Getting Lenders to Like You! By Lisa Orme Property Finance Specialist Lenders have so much choice about who they lend to these days you need to make yourself as attractive as possible to give yourself

More information

Make more of tax year end

Make more of tax year end For financial adviser use only. Not approved for use with customers. Make more of tax year end Letter and email templates to help you contact clients before the end of the tax year Making it easier to

More information

BUYING A SHARED OWNERSHIP PROPERTY. Step Forward Housing Buying a Shared Ownership Property

BUYING A SHARED OWNERSHIP PROPERTY. Step Forward Housing Buying a Shared Ownership Property BUYING A SHARED OWNERSHIP PROPERTY 1 CONTENTS 4. What is Shared Ownership 5. Why buy with Step Forward Housing? 6. What am I buying? 7. Register with us 8. Eligibility 9. Financial assessment 10. Arranging

More information

Mortgage advice you can depend on

Mortgage advice you can depend on Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to

More information

Our fees and charges explained

Our fees and charges explained Our fees and charges explained and other important information about how your mortgage works - April 2017 What s inside Keeping you informed 3 Cashback 3 Application and valuation fees 3 Application fees

More information

A Guide to Lasting Powers of Attorney

A Guide to Lasting Powers of Attorney A Guide to Lasting Powers of Attorney Why do I need a Lasting Power of Attorney (LPA)? There may come a time when you lose the ability to make financial decisions or decisions about your own health and

More information

Unlocking the potential from your own home. How to leverage your equity to buy an investment property

Unlocking the potential from your own home. How to leverage your equity to buy an investment property Unlocking the potential from your own home How to leverage your equity to buy an investment property Presented by Momentum Wealth Momentum Wealth IP Pty Ltd 2014 Contents 3 5 6 8 10 11 What makes your

More information

GET YOUR HOUSE IN ORDER

GET YOUR HOUSE IN ORDER GET YOUR HOUSE IN ORDER Find out how remortgaging could make you better off REMORTGAGING FOR A BETTER DEAL Whether you re reaching the end of your current mortgage deal, or simply planning ahead, choosing

More information

How FSCS protects your money. A guide to the Financial Services Compensation Scheme

How FSCS protects your money. A guide to the Financial Services Compensation Scheme How FSCS protects your money A guide to the Financial Services Compensation Scheme How FSCS protects your money 2 About this document This document tells you who FSCS is and how we protect your money.

More information

GUIDE TO FUNDING HOME IMPROVEMENTS

GUIDE TO FUNDING HOME IMPROVEMENTS GUIDE TO FUNDING HOME IMPROVEMENTS FUNDING HOME IMPROVEMENTS If you re a budding property developer, renovating your home is the perfect way to get the house of your dreams for a fraction of the price.

More information

Find Private Lenders Now CHAPTER 10. At Last! How To. 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved

Find Private Lenders Now CHAPTER 10. At Last! How To. 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved CHAPTER 10 At Last! How To Structure Your Deal 114 Copyright 2010 Find Private Lenders Now, LLC All Rights Reserved 1. Terms You will need to come up with a loan-to-value that will work for your business

More information

An Introductory Guide to Getting on the Property Ladder

An Introductory Guide to Getting on the Property Ladder An Introductory Guide to Getting on the Property Ladder Dear Reader, Thank you for reading the guide. We hope it is helpful to you. The aim of this guide is to provide young people with optimism regarding

More information

MAYFAIR BANKING SERVICE. Lloyds Bank plc

MAYFAIR BANKING SERVICE. Lloyds Bank plc MAYFAIR BANKING SERVICE Mayfair Banking Service, For non-mayfair Banking Service clients please speak to your Private Banking and Advice Manager. General information about our lending and financing. Lending

More information

INFORMATION ABOUT YOUR MORTGAGE: A GUIDE TO MORTGAGES ON PROPERTIES TO BE LET

INFORMATION ABOUT YOUR MORTGAGE: A GUIDE TO MORTGAGES ON PROPERTIES TO BE LET INFORMATION ABOUT YOUR MORTGAGE: A GUIDE TO MORTGAGES ON PROPERTIES TO BE LET INTRODUCTION This guide gives details of our mortgages and is split into two parts: The first part is useful for customers

More information

10 Errors to Avoid When Refinancing

10 Errors to Avoid When Refinancing 10 Errors to Avoid When Refinancing I just refinanced from a 3.625% to a 3.375% 15 year fixed mortgage with Rate One (No financial relationship, but highly recommended.) If you are paying above 4% and

More information

Information about your mortgage. Mortgages

Information about your mortgage. Mortgages Information about your mortgage. Mortgages Hello. This is your guide to TSB mortgages. Please read this booklet alongside your mortgage conditions and offer letter. It explains our most frequently used

More information

1. Remortgaging: The Basics

1. Remortgaging: The Basics Remortgage Guide There are many reasons why you might want to remortgage your home, but have been hesitant to do it. We ve created this remortgage guide to show you that remortgaging your home can actually

More information

How FSCS protects your money. A guide to the Financial Services Compensation Scheme

How FSCS protects your money. A guide to the Financial Services Compensation Scheme How FSCS protects your money A guide to the Financial Services Compensation Scheme 2 How FSCS protects your money About this leaflet This leaflet tells you who FSCS is and how we protect your money. You

More information

Moving your mortgage to a new property

Moving your mortgage to a new property Moving your mortgage to a new property Moving your mortgage with Coventry Building Society With a portable mortgage from us, not everything has to change when you purchase a new property. What s in this

More information

All you need to know Optional Payment Lifetime Mortgage

All you need to know Optional Payment Lifetime Mortgage All you need to know Optional Payment Lifetime Mortgage Contents Section 1 All about our Lifetime Mortgages 3 Section 2 Applying for a lifetime mortgage 11 Section 3 What happens if your circumstances

More information

Your guide to... Staircasing. How to buy further shares in your Shared Ownership home. hastoesales.com

Your guide to... Staircasing. How to buy further shares in your Shared Ownership home. hastoesales.com Your guide to... Staircasing How to buy further shares in your Shared Ownership home hastoesales.com Your guide to Staircasing Welcome What is staircasing? Once you have purchased the initial share of

More information

Updated 1 January MBS Lending TARIFF OF MORTGAGE CHARGES

Updated 1 January MBS Lending TARIFF OF MORTGAGE CHARGES Updated 1 January 2018 MBS Lending TARIFF OF MORTGAGE CHARGES 1 2 TARIFF OF MORTGAGE CHARGES Effective 1 January 2018 MBS Lending is working closely with the mortgage industry and Which? to make fees and

More information

How much will your property cost?

How much will your property cost? Our Mortgage advice you can depend on W hether buying your first home, b uying to let, or remortgaging, this guide tackles the main considerations. I f you want to learn more and receive a dvice tailored

More information

How to buy a home EDINBURGH THE LOTHIANS FIFE

How to buy a home EDINBURGH THE LOTHIANS FIFE How to buy a home EDINBURGH THE LOTHIANS FIFE Feel at home with ESPC Buying a home is exciting, satisfying and also pretty daunting. There s a lot to get your head around, but if you break it into bite-size

More information

The Complete Guide to Bridging Loans

The Complete Guide to Bridging Loans Bridging Loans Hotline Call 0117 313 6058 The Complete Guide to Bridging Loans Need to move fast? Mortgage chain issues? Buying an auction property? Seeking development finance? READ HERE Contact Us Tel:

More information

news How it could affect you If rises do occur, then it may be a concern for many, and more immediately for the

news How it could affect you If rises do occur, then it may be a concern for many, and more immediately for the Spring 2018 Mortgage & Protection The newsletter from Man 4 Mortgages news Rising interest rates for mortgages may well be an issue to consider this year.»in March, the Bank of England left interest rates

More information

Make one day today with

Make one day today with Make one day today with Contact us By telephone 08456 000 00 1 By typetalk (18002) 08456 000 00 1 By Minicom 08456 10 10 56 By post By web The One account, Woodland Place, Pinetrees Road, Norwich NR7 9EJ

More information

Charging for residential care Under the Care Act 2014

Charging for residential care Under the Care Act 2014 Charging for residential care Under the Care Act 2014 If you need residential care, your local authority may ask you to pay towards the cost. This factsheet looks at the rules the local authority have

More information

Simpler, Faster Easier

Simpler, Faster Easier 01992 568815 sales@platinumoptions.co.uk www.platinumoptions.co.uk BRIDGING Simpler, Faster Easier When we say YES we mean it. About us 10 Great Reasons to call us We are a privately funded bridging lender

More information

Tariff of Mortgage Charges

Tariff of Mortgage Charges Tariff of Mortgage Charges Skipton Building Society is closely involved in the mortgage industry s initiative with UK Finance and Which? to make our fees and charges easy for you to understand. Our tariff

More information

Help to Buy. Help to Buy. Making it easier for everyone to buy a new home.

Help to Buy. Help to Buy. Making it easier for everyone to buy a new home. Help to Buy. Help to Buy Making it easier for everyone to buy a new home. It was the price that initially drew us to looking at Stewart Milne. You get very good value for money, but that s not just my

More information

Tailored insurance solutions for property owners and managers. Personal. Professional. Independent.

Tailored insurance solutions for property owners and managers. Personal. Professional. Independent. Tailored insurance solutions for property owners and managers Personal. Professional. Independent. Our approach We are committed to achieving the best possible solution for our commercial and personal

More information

Understanding Actively Managed Exchange Traded Funds

Understanding Actively Managed Exchange Traded Funds Understanding Actively Managed Exchange Traded Funds With so many investors and their advisors questioning traditional market thinking about indexbased investing, exchange traded funds (ETFs) are starting

More information

A Guide to Buying Your Own Home

A Guide to Buying Your Own Home A Guide to Buying Your Own Home banking on people Getting started Getting on the property ladder can be a big step for anyone to take. With this handy guide, you ll find helpful tips for planning ahead,

More information

The Mortgage Process

The Mortgage Process The Mortgage Process Sherry FitzGerald Supporting you every step of the way If you have not gone through the mortgage application process before, it can feel like a daunting, complex journey lies ahead.

More information

Homeownership Assistance Equity Loan Scheme

Homeownership Assistance Equity Loan Scheme Homeownership Assistance Equity Loan Scheme Catalyst Housing covers London and the South East of England. Elmbridge Borough Council Equity Loan Scheme Low-interest equity loan mortgages are designed to

More information

Introduction. lifetime mortgages Terms and Conditions. Thank you for choosing a Just lifetime mortgage.

Introduction. lifetime mortgages Terms and Conditions. Thank you for choosing a Just lifetime mortgage. 2017 Edition lifetime mortgages Terms and Conditions Just is a trading name of Just Retirement Money Limited. Where you see Just in this form, this means Just Retirement Money Limited. Introduction Thank

More information

Financial Conduct Authority. Mortgage Credit Directive. The Authorisation Process

Financial Conduct Authority. Mortgage Credit Directive. The Authorisation Process Financial Conduct Authority Mortgage Credit Directive The Authorisation Process What Type of Firm Are You Key: Firm Type 1 A firm doing 2C business and holds required mortgage permissions*. Firm Type 2

More information

LEARN ABOUT YOUR RIGHTS AND OPTIONS IN A FORECLOSURE

LEARN ABOUT YOUR RIGHTS AND OPTIONS IN A FORECLOSURE FORECLOSURE GUIDE LEARN ABOUT YOUR RIGHTS AND OPTIONS IN A FORECLOSURE The Nineteenth Judicial Circuit Center for Self-Representation 18 North County Street Waukegan, Illinois 60085 With Thanks to. Legal

More information

A guide to... Limited Company Buy-to-Let

A guide to... Limited Company Buy-to-Let A guide to... Limited Company Buy-to-Let sales@ From April 2017, HM Treasury started phasing in changes which will eventually see landlords pay tax on the entire rental income they generate from their

More information

Negative Equity Home Movers

Negative Equity Home Movers Negative Equity Home Movers Guiding you through your next move What is Negative Equity? Negative equity occurs when the value of your house is less than the amount you owe on the mortgage. That means that

More information

YOUR GUIDE TO SCOTTISH WIDOWS BANK MORTGAGES

YOUR GUIDE TO SCOTTISH WIDOWS BANK MORTGAGES INFORMATION ABOUT YOUR MORTGAGE YOUR GUIDE TO SCOTTISH WIDOWS BANK MORTGAGES Please read this booklet alongside your mortgage conditions and offer letter. It explains our most often used policies and procedures.

More information

The Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V a

The Mortgage Guide. Helping you find the right mortgage for you. Brought to you by. V a The Mortgage Guide Helping you find the right mortgage for you Brought to you by V0050713a Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us

More information

October. Doing property business in the UK

October. Doing property business in the UK October 2017 Doing property business in the UK 0 F o r w a r d This booklet has been prepared for the use of clients, partners and staff of Menzies LLP. It is designed to give some general information

More information

The Mortgage Guide Helping you find the right mortgage for you

The Mortgage Guide Helping you find the right mortgage for you The Mortgage Guide Helping you find the right mortgage for you Hello. We re the Which? Mortgage Advisers team. Buying a house is the biggest financial commitment most of us ever make. And it can be stressful.

More information

Guide to contractor mortgages

Guide to contractor mortgages guides i Guide to contractor mortgages Obtaining a mortgage as a contractor or freelancer used to be a hassle. Learn about how this has changed and your options in this guide. people advice technology

More information

Use your property to your advantage. A guide to our Buy-to-Let products

Use your property to your advantage. A guide to our Buy-to-Let products Use your property to your advantage A guide to our Buy-to-Let products Introducing Retirement Advantage 2 A guide to our Buy-to-Let products Retirement Advantage is a wellestablished company that can trace

More information

Your guide to mortgage charges

Your guide to mortgage charges Your guide to mortgage charges We want you to understand the various charges that are applicable to your mortgage so you don t get any unexpected surprises. This leaflet sets out all of the charges you

More information

WITH PROFITS BONDS FUNDS GUIDE.

WITH PROFITS BONDS FUNDS GUIDE. WITH PROFITS BONDS FUNDS GUIDE. You should read this document carefully and keep it safely together with the Key Features and your Personal Illustration. 2 WITH PROFITS BONDS FUNDS GUIDE WHAT IS THE FUNDS

More information

Funeral. Helping Hand. Extra Support When It s Needed Most Funeral Payment Helping Hand Guide

Funeral. Helping Hand. Extra Support When It s Needed Most Funeral Payment Helping Hand Guide Funeral Payment Helping Hand Extra Support When It s Needed Most Funeral Payment Helping Hand Guide Introducing ROYAL LONDON Ever since we began operating in Ireland over 180 years ago, at Royal London

More information

AIB Mortgages Helping you move home. Tracker Interest Rate Retention and Negative Equity Mover Brochure. Guiding you through your next move.

AIB Mortgages Helping you move home. Tracker Interest Rate Retention and Negative Equity Mover Brochure. Guiding you through your next move. AIB Mortgages Helping you move home Tracker Interest Rate Retention and Negative Equity Mover Brochure. Guiding you through your next move. Contents 01 Introduction Tracker Interest Rate Retention Negative

More information

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust

Guide to trusts. A brief guide to Trusts and our Trustbuilder tool. Trusts the basics. Settlor makes a gift to the trust Guide to trusts A brief guide to Trusts and our Trustbuilder tool This brief guide explains some of the main features and benefits of our trusts, and gives you some information to help you decide whether

More information

55+ Mortgage & Retirement Mortgage

55+ Mortgage & Retirement Mortgage 55+ Mortgage & Retirement Mortgage Tariff of Mortgage Charges 55+ Mortgage & Retirement Mortgage Tariff of Mortgage Charges Hodge Lifetime is closely involved in the mortgage industry s initiative with

More information

Commercial Lending Underwriting Guide

Commercial Lending Underwriting Guide Commercial Lending Underwriting Guide For bridging, buy to let and Commercial loans and mortgages June 2017 0.1 Welcome to Together Commercial Finance Limited s Underwriting Guide Acceptable Security Most

More information

A GUIDE TO EQUITY RELEASE

A GUIDE TO EQUITY RELEASE A GUIDE TO EQUITY RELEASE Equity release refers to a range of products that let you access the equity (cash) tied up in your home if you are over the age of 55. You can take the money you release as a

More information

SCOTTISH WIDOWS BANK MORTGAGE CONDITIONS 2017

SCOTTISH WIDOWS BANK MORTGAGE CONDITIONS 2017 SCOTTISH WIDOWS BANK MORTGAGE CONDITIONS 2017 PLEASE READ WE KNOW THAT HAVING TO READ A LEGAL CONTRACT CAN BE OFF PUTTING, SO WE HAVE DECIDED TO DO THINGS DIFFERENTLY. THIS BOOKLET CONTAINS: A brief explanation

More information

First time buyers Our guide

First time buyers Our guide First time buyers Our guide What s in this booklet I want to buy a home what s the first thing I need to do? 3 What exactly is a mortgage? 3 How much can I borrow? 3 I ve found the property I want to buy.

More information

IMPORTANT NOTICE This packet of notices related to our health care plan includes a notice regarding how the plan s prescription drug coverage

IMPORTANT NOTICE This packet of notices related to our health care plan includes a notice regarding how the plan s prescription drug coverage IMPORTANT NOTICE This packet of notices related to our health care plan includes a notice regarding how the plan s prescription drug coverage compares to Medicare Part D. If you or a covered family member

More information

Private Lending. A Complete Guide to Safely & Profitably Lending Your Money for High Returns in Real Estate

Private Lending. A Complete Guide to Safely & Profitably Lending Your Money for High Returns in Real Estate Private Lending A Complete Guide to Safely & Profitably Lending Your Money for High Returns in Real Estate ----------------------------------- Learn Exactly How You Can Participate in the Highly Profitable

More information

s e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y

s e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y IAS12pp new_layout 1 22/07/2011 11:19 Page 2 s e r v i c e h o n e s t y c o m m i t m e n t p r o f e s s i o n a l i s m i n t e g r i t y Comprehensive financial & lifestyle planning IAS12pp new_layout

More information