Dart Mortgage & Insurance Services
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Dart Mortgage & Insurance Services Welcome to Dart Mortgages Partnership, Mortgage Advisers & Insurance Brokers in Teignmouth, Devon. Call us now and see how our friendly service and know-how gives you access to a full range of UK mortgages and re-mortgage products including fixed rate, interest only, capped, discount and variable interest rates, buy to let mortgages and equity release.

We can help to ensure you get the right mortgage for you so you can buy a new home, buy a property to let or simply re-mortgage your existing property. A mortgage is a large financial transaction and we are here to make sure you get it right and don't pay over the odds. We have access to hundreds of different mortgages, from many different lenders across the market.

Once we have an understanding of your individual circumstances and needs, we will give you advice on the right course of action for you and recommend the most suitable mortgage deal. As part of our service, we will deal with the lender on your behalf, taking the stress out of the process for you.

read more › With over 25 years' experience we can advise on 1,000s of mortgage schemes making sure you have the mortgage most suitable for your needs. Due to our team's extensive experience within the industry we can support clients with a wide variety of mortgages including; First Time Buyers, Residential purchases or re-mortgages, Buy to Let purchases or re-mortgages, Equity Release, Further Advances, Secured Loans and Commercial Mortgages. Applying for a mortgage can be a daunting process, and usually the largest financial transaction you make.

read more › Find out about our professional and experienced team - who they are, how they can help you and how you can contact them. Russell started his career in the mortgage business over 25 years ago with Constables Estate Agents. He was head hunted by Fulfords Estate Agents and, . He was head hunted by Fulfords Estate Agents and, after several successful years working for Fulfords, he decided to set up his own mortgage business - and hasn't looked back! Russell prides himself on offering friendly but professional advice to all clients, whilst providing impartial and expert mortgage guidance from the whole of the mortgage market.

read more › A mortgage is a 'secured' loan, which means that the loan is secured against the property being purchased until the mortgage is paid off. Sources of residential mortgages include high street banks, building societies and other types of less well known financial institutions. Mortgage providers follow a set of rules and procedures when deciding whether or not they will agree to provide a mortgage to purchase a residential property. Although different lenders apply different lending criteria, the amount a potential buyer can expect to borrow of a property's purchase price is determined solely by the mortgage provider's requirements.

read more › Once your mortgage application has been accepted in principal, you may have the option of deciding how you repay the loan: on a 'repayment' basis, or on an 'interest only' basis. With a repayment mortgage your monthly repayments cover both capital and interest on the loan. As the term continues, the amount outstanding on the loan reduces so the full amount of the loan will have been repaid at the end of the term as long as you have made all your payments on time. No other repayment vehicle is needed and it avoids the risk of investing (e.g. in the stock market).

read more › The prospect of buying your first home could be both daunting and confusing. Our aim is to guide you through the process from start to finish so that you understand exactly what the purchase entails and how much it will cost. The mortgage market changes all the time, not just in terms of mortgage deals and regulation but also in the way lenders assess loan applications. Some of the changes have been in the way mortgage lenders assess the suitability of all clients for the different types of loan on offer.

read more › Whether you are looking at consolidating your debts, raising money for home improvements, looking for a better monthly payment than you currently have, or want to restructure the terms of your current loan, we can help. Remortgaging can help your financial health in many ways. In simple terms, remortgaging involves moving your current mortgage to a new arrangement, arranged either with your existing lender or with a new lender. Many borrowers choose to review their mortgage every few years in order to take advantage of the new rates on offer.

read more › Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy residential property which they intend renting to tenants. Although a BTL mortgage is similar in a number of respects to a standard residential mortgage, there are some significant differences between the two. Most banks and building societies (and some other financial institutions) offer BTL mortgages, but terms, conditions and costs vary enormously. Some mortgage providers will not lend to individuals who are under 25 years of age or earn less than 25,000 a year.

read more › A Second Charge mortgage is, as the name suggests, a separate and additional mortgage to the homeowner's main (or first) mortgage. Second charge mortgages (sometimes known as 'Homeowner Loans') are loans which are secured against the borrower's residential property, and as such, are available only to homeowners. In common with remortgages, second charge mortgages are sometimes used by homeowners to raise money. When considering a second ('further') advance, the lender will take into account the value of the borrower's home, less any mortgage owed on it.

read more › There are events we can all face that have the potential to wreck lives and families. It's a difficult issue to think about, but imagine the impact on you and your family should the main earner in your household die or become seriously ill. It may not happen to you - we hope it doesn't - but it might. While there is no insurance that can prevent these things from happening, you can protect yourself and your family financially by making money available, should something unexpected happen. This money can be the difference between keeping and losing your home, and maintaining your family's lifestyle.

read more › This is cover that pays out on death. Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months. It can pay out as a lump sum, or as income for the remainder of the policy term. Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life. The amount of cover can remain the same or increase / decrease annually. Level term assurance stays the same throughout. Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage and usually assumes a given interest rate.

read more › This provides income where you are ill or injured, and as a result your income through employment or your normal route stops. If Houseperson's cover is included, then it will pay out upon illness or injury, irrespective of any income stopping. Cover lasts for either a set term in whole years, or to a given age (typically your state retirement age). The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable. Reviewable cover normally changes based on the claims experience of the life assurance company.

read more › This is insurance that pays the hospital or Doctor for your treatment. It can include treatment in a private ward, or being seen earlier in an NHS ward. Some plans also allow you to claim if you are not able to be seen by the NHS within a set period. Other plans may charge a little more and don't have any link to NHS waiting times. You are either medically checked and underwritten at outset (so you know what you're covered for and what you won't be), or have no medical checking at outset (but conditions that occurred two years before taking out the cover are not covered, and often there is no cover for a reoccurrence within five years after taking out the plan).

read more › Insurance that pays out when a defined medical event occurs. For example, following a heart attack, stroke, cancer or some other specifically defined critical illness. Cover is for a set term, which may be equal to a mortgage term, for when children have grown up, until retirement or another life stage milestone. It may be worth considering having one policy for a set term to cover the mortgage, and another that will provide money to help provide for your different lifestyle if a serious illness happens.

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