Consumer Choice Financial Services
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Consumer Choice Financial Services We specialise in providing you with quality, professional financial advice that you can trust. Whatever your particular requirements, whether it be a mortgage, remortgage, buy to let, or protection against accident, sickness or death we can ensure that we find the best solution for you. Why not Contact us to have a no obligation discussion and make sure you get the right advice.

We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you. Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection.

Please note that the calculators are for guidance purposes only and do not represent the actual amount that will be payable. We normally charge a fee for mortgage advice, however this will be dependent on your circumstances, our typical fee is 399.
Highlights

read more › We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client. We understand that everyone's different, and that's why our financial planning approach is as individual as you. We know the financial side of life can be complex and that's why we work hard to get to know you and your aspirations through careful life planning and consultation.

read more › We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. John has been in the financial services industry for 30 years helping clients and their families achieve their goals. He worked for the first 18 years for Prudential Assurance (The Man from the PRU), and has been involved in all types of mortgages both residential and commercial along with the relevant protection advice. John is Married with 3 children and lives in Midlothian, his main sporting interest is sailing.

read more › Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial advice is critical from competent and qualified advisers. Whether you are a first time buyer, buying your next home, looking to remortgage or even purchase a second home. This is where our advisers excel. Be reassured that our style is to guarantee reliable mortgage advice appropriate to any individual that makes contact with us. We normally charge a fee for mortgage advice, however this will be dependent on your circumstances, our typical fee is 399.

read more › Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision. To help you with making the right decision we have put together 10 top tips for you. Ensure that you are realistic when working out exactly how much you can afford to spend on your new house. You should ensure the intended mortgage is affordable (by doing a budget calculation) and it is wise to seek a Decision in Principle certificate, so that you know how much you can offer once you have found a suitable property.

read more › When you remortgage, you are switching your mortgage to another deal, and frequently, another lender. Remortgages can be used for various reasons. However, most people simply switch mortgages because it will work out cheaper for them. For example, the introductory discounted interest rate may have finished with your current lender; therefore you could potentially get a new discount rate, or a lower APR, with another lender. Another example is when you may need to re-mortgage to consolidate debts.

read more › Becoming a private landlord should not be seen as an easy way of making money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise. That said, having a second property to let to tenants could reap considerable financial rewards over time. Rent Potential - the decision as to whether or not a mortgage will be offered is usually based on the rent you will earn as well as your income. In some cases your income is not ever considered.

read more › With this type of mortgage you are only paying interest each month. This means that although your payments will be lower, the amount you borrow will still be outstanding at the end of the mortgage term. You'll need to make alternative arrangements to pay off the mortgage to avoid the property having to be sold, such as taking out an ISA. We normally charge a fee for mortgage advice, however this will be dependent on your circumstances, our typical fee is 399. Consumer Choice Financial Services is a trading style of Saorsa Financial Services Ltd, which is an appointed representative of Primis Mortgage Network which is a trading style of Personal Touch Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

read more › Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection. As one would imagine, there are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection is not as easy as you may think. As advisors we can help you find the one that best meets your requirements. We normally charge a fee for mortgage advice, however this will be dependent on your circumstances, our typical fee is 399.

read more › Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection. A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. With some term insurance policies you can add additional options, for instance critical illness cover.

read more › Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection. A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often 'bolted on' to a life assurance policy as an additional benefit but can also be a standalone plan. This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness.

read more › Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection. An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

read more › We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you. If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example).

read more › We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you. It covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident.

read more › We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you. We work with leading insurers to provide buy to let property insurance to offer you protection for your buy to let property and its contents. Up to 40,000 for your loss of rent or for providing alternative accommodation for the tenant following damage caused by an insured event.

read more › We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you. Accident Sickness and Unemployment insurance is the only policy that covers you against losing your income through redundancy. In the current climate of job uncertainty, knowing that you'll be able to keep up to date with your bills in the event of redundancy is one less thing to worry about, and having that peace of mind knowing that your family's welfare and lifestyle can be maintained if you become unemployed due to job cuts, or simply through ill-health can be a weight of one's mind.

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