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Are you looking to get on the property ladder? There are some excellent mortgage deals available to first time buyers at the moment. We are able to talk though your mortgage options and I can guide you through every step of the process. We offer a comprehensive range of mortgages from across the market, but not deals that you can only obtain by going direct to the lender.

We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, and accident, sickness and unemployment insurance. Ask us for a list of insurers we offer insurance from. Kevin Bower is a Mortgage and Insurance broker specialising in arranging all types of residential and buy to let mortgages.

I also advise and arrange life insurance, critical illness insurance, income protection and buildings, contents insurance and a whole host of business insurance. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
Highlights

read more › Kevin Bower is a Mortgage and Insurance broker specialising in arranging all types of residential and buy to let mortgages. I also advise and arrange life insurance, critical illness insurance, income protection and buildings, contents insurance and a whole host of business insurance. At a time, place and method convenient to you I will guide you through the mortgage selection process and advise you on the most suitable mortgage and insurance products available to meet your needs and demands. I have a wealth of experience over 25 years working for city banks and large insurance companies.

read more › We can only offer products from a limited number of insurers for life assurance, critical illness cover, income protection, buildings and contents insurance, and accident, sickness and unemployment insurance. Ask us for a list of insurers we offer insurance from. We can only offer products from MetLife UK for cash lump sum accident protection. You will receive a quotation which will tell you about any other fees relating to any particular insurance policy. For whole of life and term pure protection insurance (life and critical illness cover) we are paid by commission from the insurer.

read more › Life assurance will pay out a lump sum or fixed regular income if you die within the specified term. This is the simplest and cheapest type of life assurance, and is known as term insurance because you choose how long you're covered for, say, 10, 15, or 20 years (the term). It only pays out if you die within the term you've agreed. If you live longer than the term, you get nothing. As a couple, you can take out term assurance in joint names, but the policy only pays out once on first death. Decreasing term insurance is often linked to a repayment mortgage (where the amount you owe decreases over time) and may, in this instance, be called mortgage term insurance or mortgage protection life insurance.

read more › It replaces part of your income (tax free) if you are unable to work for a long period of time because of illness or disability, and will continue to pay out until you can return to some kind of paid work or reach retirement, whichever is sooner. It has a waiting period before it will start to pay out. The longer you agree you'll wait, the lower your premiums will be, so it is important you find out what income you can get from your employer, and other insurance (such as mortgage payment protection insurance) in the event of illness or disability.

read more › Critical illness insurance is a long-term insurance policy designed to pay a lump sum on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions such as a heart attack, stroke, certain types/stages of cancer, multiple sclerosis and loss of limbs. The illnesses covered will be specified in the policy along with any exclusions and limitations - these differ between insurers. Critical illness policies only pay out once, so are not a replacement for income. You can use the payout to pay for medical treatment, pay off your mortgage or anything else.

read more › Buildings and contents insurance is normally referred to as home insurance. It can be a combined policy or bought as 2 separate policies, that will cover damage to the house or its contents. Buildings Insurance is essential and will be a condition of a mortgage and although contents insurance is not compulsory it is strongly recommended. This covers the contents in your house which are not fixed to the property, for example your furniture, jewellery, appliances and clothing. Most contents insurance policies will cover the contents of your refrigerator, freezer and garden shed and give you the opportunity to insure items away from the home.

read more › I am a firm believer in insurance, unfortunately I have seen and dealt with several death claims for my clients over the years and dread to think what might have been. Don't leave it to chance. Most people, me included believe that we will live to a ripe old age, see our kids grow up, pay off our mortgage and enjoy our hard earned retirement, wouldn't that be great, and for many people that's exactly what happens, but as we all know, it's not always the case. The reality is, many people die unexpectedly, or through illness and accidents every day, I've know many people, friends and family this has happened to.

read more › If you own your own business, have you ever thought about what would happen to you, your business and your family if you, or a key person within your business died or was diagnosed with a critical illness and was unable to work for the foreseeable future? A bespoke business protection package could help. Business protection could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partner's/director's estate are purchased through a cross option agreement.

read more › We can access a range of mortgages from over 50 of the UK's best known lenders shown on the list! I have given you, but not deals that are only available directly from lenders. It you are purchasing a property with the help of a shared equity loan, our advice will also cover the shared equity second charge. However, we do not advise on any other second charge mortgages. If you need a second charge mortgage we will refer you to Enterprise Finance, a master broker for second changes, who will be able to advise you.

read more › Are you looking to get on the property ladder? There are some excellent mortgage deals available to first time buyers at the moment including Help to Buy Schemes. We are able to talk though your mortgage options and I can guide you through every step of the process. With interest rates being very low there are some highly competitive mortgage deals available for home movers. It is advisable that you speak with an professional mortgage broker like me before you view houses so that you have a good idea of how much you can borrow and can afford to repay.

read more › If this is your first venture into the buy to let market or you are a professional landlord, I can help. What represents the best buy to let mortgage for you will depend upon your personal circumstances. I offer advice on buy to let mortgages for the accidental landlord right through to the professional, portfolio, buy to let landlord. The downturn in interest rates on deposited money coupled with the erratic performance of the stock market and new pension legislation have led to a very buoyant upsurge of interest in buying residential property to rent out.

read more › Letting your existing home in order to buy a new one is becoming increasingly popular especially if you cant sell your current home. If you need to move due to job relocation or have a growing family but are struggling to sell your current property, then let to buy might just be the solution your looking for. Let-to-buy is where you keep hold of your existing home and rent it out to tenants, (with your lenders permission) you are then free to move, buy a new home and get on with your life. It is a bit like an upside down version of buy-to-let, but with buy-to-let you purchase a property and then rent it out.

read more › Gone are the days of self-certification and fast track mortgages, which required little or no proof of income and allowed the self-employed to get a mortgage or re-mortgage relatively easily. But with no current replacement, the self employed and many small business owners feel left out in the cold. Nowadays, although it is not impossible for someone who is self-employed to secure a mortgage, it can certainly be a difficult process. This can be frustrating, especially if you have the deposit and income needed to keep up repayments.

read more › Maybe your existing fix or discounted rate is coming to an end and you don't fancy the increase in your monthly mortgage payment when you go on to your lenders SVR. Or maybe you want to switch from a variable mortgage rate to a fixed rate so you know exactly how much you will be paying each month. You might even decide to help your kids. With the current level of house prices, and the need to raise a substantial deposit before buying their first home, many first time buyers just can't afford to take the first step onto the property ladder.

read more › My advice for anyone thinking about moving would be not to just jump in and accept the first deal your bank or building society offers you, call me, let me do the leg work and I will do some research on your behalf to show you exactly what else is currently on offer, this might just save you thousands of pounds in mortgage payments over the coming years. Many people nowadays rely on online comparison web sites, it might be OK for your utility bills but for a mortgage, I'm not to sure. One reason for this is because not all lender subscribe to comparison sites so that means you cant see everything that's currently available to you and if you are looking to make an informed choice, don't you need all the facts to hand, I know I do.

read more › Finding the right mortgage or remortgage product in today's market can be a time consuming, confusing and difficult affair, not to mention frustrating. But what if you have a problem like impaired credit or are recently self-employed it can then become a disappointing nightmare. If you are having problems getting a mortgage or remortgage right now, we might be able to help. We have many clients that have a less than perfect credit rating but with our knowable of the market and our relationship with many specialised mortgage providers through Openwork, we have been able to help many people get the house they want or the money they need.

read more › It is a very exciting time for First Time Buyers at the moment, the introduction of the Governments Help to Buy Scheme making 95% first time buyer mortgages more available and affordable. This has contributed to the rising property prices in the area. On top of this, many lenders are once again seeing the value in the First Time Buyers market and have started to release 95% LTV deals, " What are you waiting for?" Current government-backed schemes aimed at giving first time buyers and movers a helping hand onto the property ladder.

read more › This government scheme gives people the chance to buy the council house they are currently renting at a discounted rate. The scheme allows secure tenants of council homes and housing association properties to buy their home with a significant discount. The maximum discount is 77,900 across England, except in London boroughs where it's 103,900. It will increase each year in April in line with the consumer price index (CPI). If your landlord agrees to sell, they'll send you an offer. They must do this within 8 weeks of saying yes if you're buying a freehold property, or 12 weeks if you're buying a leasehold property.

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