Mortgages

At Azure Financial, we've helped countless clients secure mortgages for a variety of purposes. Whether you're buying your first property, moving to a new home, investing in a buy-to-let property, or remortgaging, we're here to assist you every step of the way. Our expertise extends to clients who are self-employed, foreign nationals without indefinite leave to remain, and those with adverse credit histories.

First-Time Buyers and Home Movers: Purchasing your first home can be overwhelming, but we make the process stress-free. We’ll help you determine how much you can borrow and the deposit you’ll need, giving you the confidence to start viewing properties.

Remortgaging: Whether you’re looking to switch lenders for a better deal or raise funds for home improvements or a significant purchase, we’re here to ensure you get the best deal. By comparing offers from our extensive panel of lenders, we’ll find the perfect mortgage to suit your needs.

Buy-to-Let Mortgages: Whether you’re a seasoned investor or new to buy-to-let properties, we’ll guide you through the mortgage options available. We cater to both personal and Ltd Company buy-to-let mortgages. (Please note that most buy-to-let mortgages are not regulated by the Financial Conduct Authority.)

At Azure Financial, our goal is to understand your unique financial situation and find the most suitable mortgage products to help you achieve your goals. Let us be your trusted partner in your mortgage journey.

Financial Protection

As we go through life, our financial needs evolve along with our commitments and lifestyles. It's essential to regularly review your financial protection policies to ensure they still meet your needs. If you don't have any protection policies in place, now is a great time to consider options that can safeguard you and your family against financial difficulties caused by health issues.

At Azure Financial, we offer a range of protection policies tailored to your needs:

Life Insurance: Life insurance provides financial security for your loved ones in the event of your death. Often linked to your mortgage, it usually pays a lump sum to clear any outstanding debt, ensuring your family doesn't face financial hardship.

Critical Illness Insurance: This policy provides a tax-free lump sum or monthly payments upon diagnosis of specific critical illnesses. It helps protect your income and can cover debts like your mortgage, giving you peace of mind during challenging times.

Income Protection: Income protection insurance offers a regular tax-free income if you cannot work due to illness or disability. With most employers providing only short-term sick pay, this policy ensures you can meet your financial commitments without relying solely on Statutory Sick Pay.

Family Income Benefit: This policy gives your family a regular monthly income for the remaining term of the policy after your death. It helps your loved ones maintain their standard of living and manage regular expenses without added financial worries.

At Azure Financial, we're committed to helping you find the right protection policies to secure your financial future. Let us assist you in ensuring you and your family are well-protected as life changes

Business Protection

Business protection is a type of insurance that helps businesses protect themselves from financial losses that may occur when key employees or owners become ill or die. It can help businesses continue trading and recover quickly during difficult times. In the modern day, any disruption to a business, regardless of how minor or major they are, can be costly. The loss or absence of a key employee could be detrimental to your business, so having the protection in place can minimise those risks, whilst also providing the business and the employee much needed finances in the process.

Oh and did I mention, the premiums would also be allowable as an expense providing the business with a potential reduction in their taxes!

There are various forms of business protection available, with some of the key ones being:

Key Person Protection: This type of policy protects against loss of revenue if a key employee dies or can’t work due to suffering a critical illness.

Ownership Protection: If the business has more than one owner, then this type of policy helps the other owners keep control of their business if a shareholder dies or is critically ill.

Loan Protection: This type of policy helps repay outstanding financial commitments, such as director loan accounts or bank overdrafts, if a key holder or shareholder was to pass away.

If you have a business and would like to discuss the various protection policies in further detail, please get in touch to arrange a consultation with us.

Private Medical Insurance

With the NHS struggling to meet increasing demands from the UK public, the requirement for Private Medical Insurance (PMI) is increasing. PMI is not there to replace the NHS, but rather to assist the NHS in ensuring that patients are seen in a timely manner by a registered health professional. PMI allows you quicker access to appointments, diagnosis and, if needed, surgery. It allows you more control over your treatment options and you may be able to choose the location of where you receive the treatment too, depending on the type of policy you go for.

It is there to treat acute conditions, so if you have long term chronic conditions that are already diagnosed, this would not be suitable for you.

Home Insurance

Home Insurance is there to cover your actual house, the contents within it or both.

It is a requirement of most mortgages that appropriate buildings insurance is in place during the term of the mortgage, so this is something that you have to have in place, and if you are purchasing a property, your solicitor is likely to request this before completion.

Contents Insurance is there to cover your belongings within your house and is worth having in place, as this can also cover any accidental damage.

It would be our recommendation that our clients have both buildings and contents insurance combined, however this is mostly suitable for those clients who own their own houses. If you are in a rental, then your landlord will take care of the buildings insurance, and we would recommend you taking out content's insurance in this instance. If you are landlord, then the opposite would be our recommendation, where you take out only the buildings insurance as the tenants would be the ones who should cover their contents.

Our providers for buildings and contents insurance are all 5* Defaqto rated so you can trust that the policy in place is of the highest quality which ensures that in the event of a claim, you have a higher possibility of a payout.

To find out more, get in touch with us and we can go through your options with you.