AMJ Mortgage and Protection Advisor LTD

AMJ Mortgage and Protection Advisor LTD Advising clients all across West Wales

18/04/2023

For rent two offices at Dew St, Haverfordwest. Mobthly rent can be discussed. Please call the office if interested.

18/04/2023

Cleaner wanted in Haverfordwest.
Once a fornight, to polish and hoover all the offices. If Interested please call the office.

01/03/2023

With mortgage interest rates continuing to drop, now might be a good time to have your mortgage reviewed. Especially if you’re going onto lenders SVR.

15/02/2023

What is an Insurance Broker?
An insurance broker acts as a link between insurance companies and you as the client. When you are considering buying an insurance product but you are not familiar with its intricacies, it may be an idea to make use of an insurance broker. An insurance broker is not tied to an insurer unlike an insurance agent, who represents only the insurer(s) it acts for. The brokers’ act on your behalf and to identify your requirements to be in a position to find a product that will suit your needs.
A cheap insurance policy is not necessarily the best option for you – the policy may come with a high excess and/or more exclusions, which you may only find out at the time of making an insurance claim.
Comparison insurance websites allow you to compare different policies on the market, but not all insurers will be on the comparison sites – so it is not an exhaustive comparison of what is available on the market. Also, the comparisons websites do not compare like with like, so whilst a policy may include one feature, another may not.
5 Reasons Why to use an Insurance Broker

1. FAMILIARITY
Are you familiar with the insurance product you are about to buy? If the answer is no, it is recommended that you make use of an insurance broker to provide you with objective advice. An insurance broker is an expert in the insurance field to provide best advice.

2. YOUR NEEDS
Be open and share with us all your requirements, relevant current circumstances or information. This enable us to make a correct assessment of the product that will best cover your insurance risks. We, as your broker, are required to treat all your information with utmost confidentiality, and this forms part of the Terms of Business Agreement that you enter into with us.

3. EXPLANATIONS YOU UNDERSTAND
We will make time to explain in simple English language all the terms and conditions attached to a policy that you are proposing to buy, and once you have agreed to buy the policy, to go over them again with you to ensure you agree to the terms and conditions of the insurance policy. We will also explain if there is a cancellation policy applicable to your policy, so that if you change your mind you may cancel your policy within the period specified in your insurance policy.

4. CHARGES
Depending on the type of insurance you are buying, brokers may receive remuneration from the insurer from whom you bought your product. WE WILL NOT CHARGE YOU A FEE FOR TAKING AN INSURANCE POLICY THROUGH US

5. MAKING AN INSURANCE CLAIM
We will assist you in making an insurance claim under your policy and liaise on your behalf with the insurer and the loss adjuster. However, there may be times when they will need to speak to you directly to confirm details.

What kind of cover can you provide me?

• Life Cover
• Critical Illness Cover
• Life or Critical Illness Cover
• Family Income Benefit
• Income Protection
• ASU (Accident, Sickness and/or Unemployment) Cover
• Buildings & Contents Insurance
• Buildings Only
• Contents Only
• Landlord Insurance
• Landlord Portfolio Insurance

The policies we provide are all Defaqto 4 & 5 star* rated which means they have the highest rating for features and benefits that they offer. Defaqto experts have researched, collected and assessed nearly 41,000 financial products, and are constantly updating their findings so customers have access to the most recent results.

f you have any questions not answered above, please contact us:
Telephone: 01437 77103
Email: [email protected]

08/02/2023

OUR REVIEW PROCESS FREQUENTLY ASKED QUESTIONS
What will you do for me? As an existing client of ours, we have your current mortgage details on file. We will look at what your current lender is offering and also other lenders to see if there is a better deal for you.
Why not go straight to my current lender? Your current lender will only offer you their rates. As we are independent, we can look at other lenders as well. As the lender pays us a fee, by using us you will be helping a local business.
What happens if I don't review? Once your fixed/discounted rate ends, you will revert to your lender current Standard Variable Rate (SVR). As this will be higher than your current rate, your monthly repayments will INCREASE.
Can I apply to another lender BEFORE my current deal ends? Yes. When we apply to another lender, we tell them the date your deal ends and you do not want to switch before that date. This will prevent you having any Early Repayment Charges (ERC) from your current lender
Will there be a charge from you? If your best option is to stay with your current lender, no, we will action the switch for you free of charge. If we advise you to change lender, we will charge £100 admin fee to process the remortgage.
Can we do most of it by email? Yes of course. We will email you our review fact find to complete just to bring us up to date.
Things have changed, how do I update you? You can either give us a call to make an appointment, request our mortgage adviser calls you to complete our review fact find or we can email/post it to you, whichever you prefer.
What do I do now? Simply complete the enclosed form and return to us or email to [email protected]. We will do some initial research and get back to you.
If you have any questions not answered above, please contact us:
Telephone: 01437 767103
Email: [email protected]

OUR REVIEW PROCESS FREQUENTLY ASKED QUESTIONSWhat will you do for me? As an existing client of ours, we have your curre...
08/02/2023

OUR REVIEW PROCESS FREQUENTLY ASKED QUESTIONS

What will you do for me? As an existing client of ours, we have your current mortgage details on file. We will look at what your current lender is offering and also other lenders to see if there is a better deal for you.

Why not go straight to my current lender? Your current lender will only offer you their rates. As we are independent, we can look at other lenders as well. As the lender pays us a fee, by using us you will be helping a local business.

What happens if I don't review? Once your fixed/discounted rate ends, you will revert to your lender current Standard Variable Rate (SVR). As this will be higher than your current rate, your monthly repayments will INCREASE.

Can I apply to another lender BEFORE my current deal ends? Yes. When we apply to another lender, we tell them the date your deal ends and you do not want to switch before that date. This will prevent you having any Early Repayment Charges (ERC) from your current lender

Will there be a charge from you? If your best option is to stay with your current lender, no, we will action the switch for you free of charge. If we advise you to change lender, we will charge £100 admin fee to process the remortgage.

Can we do most of it by email? Yes of course. We will email you our review fact find to complete just to bring us up to date.

Things have changed, how do I update you? You can either give us a call to make an appointment, request our mortgage adviser calls you to complete our review fact find or we can email/post it to you, whichever you prefer.

What do I do now? Simply complete the enclosed form and return to us or email to [email protected]. We will do some initial research and get back to you.

If you have any questions not answered above, please contact us:
Telephone: 01437 767103
Email: [email protected]

Address

13 Dew Street
Haverfordwest
SA611ST

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

Telephone

+441437767103

Website

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