Emerald Finance was "born" in 2005 during the height of the mortgage boom. We provide professional financial advice and services to individuals and businesses. We are fully independent and have access to the whole of the mortgage and lifetime mortgage market. We take pride in providing every client we meet with the very best financial advice. With over 18 years of experience in Financial Services,
we're here to give you the best possible advice on mortgages, lifetime mortgages, equity release, protection and general insurance products. From a house purchase to a remortgage to a lifetime mortgage, we're here to make it easy for you and to find the best solution for your needs. Contact us today for a free quotation or financial review on 01903 222940, or email at [email protected]. MORTGAGES
All our advisors will always carry out a thorough financial review to enable them to assess and source the very best deal available for our client's personal needs. As an independent advisor we can look at the whole market and ensure that our clients get the mortgage that best suits them. Areas covered are:
* Mortgages for First Time Buyers (including Guarantor mortgages)
* Home Movers (to minimise penalties and costs when moving home)
* Remortgages (when your existing deal comes to an end)
* Buy To Let (whether your first investment property or managing a wide portfolio)
* Commercial (business premises)
EQUITY RELEASE
This provides home finance for those in retirement. Today many still have a mortgage or debts when they retire and Equity Release offers a way for clients to retire when planned in a more affordable manner, and with some of the schemes with no monthly payment to be made.
* Lifetime Mortgages
* Retirement Interest Only Mortgages
* Home Reversion Plan
* Interest Only Mortgages
INSURANCE
At Emerald Finance we will always recommend that our clients have the correct protection in place, and that it is structured correctly. This ensures that the home is protected, and that whatever happens in the future our client can afford the mortgage payments. Should a client pass away or suffer a critical illness then the mortgage can always be repaid in full. Trust planning is also utilised to ensure that the funds are realised within weeks as opposed to months where probate or letters of administration have to be obtained.
* Life Insurance
* Life and Critical Illness Insurance
* Permanent Health Insurance
* Accident, Sickness & Unemployment Insurance
* Buildings & Contents Insurance
COMMERCIAL
Whether looking to purchase your first commercial property, remortgage your current one or provide the related commercial insurances we can help.
* Commercial mortgages - from a selection of lenders
* Buildings and Contents Insurance (including stock etc)
* Key Man Insurance (to enable the business to repay a widow/er to ensure business continuity)
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Emerald Finance is authorised and regulated by the Financial Conduct Authority, FCA Register Number 837525. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. There is no fee for an initial consultation and any fee payable will be explained in full prior to application. To understand the features and risks please ask for a personalised illustration. Some of the above products and services are not regulated by the Financial Conduct Authority. Certain Equity Release Plans will reduce the value of your estate and may affect your entitlement to state benefits.
