Mortgage Saving Experts
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We are an honest, passionate, enthusiastic and very experienced team of mortgage and insurance experts. Our mortgage and insurance experts pride themselves on listening to what your current and future objectives are. No matter what your situation, we will endeavour to find you the best mortgage and protection deal in the marketplace. It's what we do - Barry Webb, CEO.

We first went to Barry Webb for a residential mortgage when we were moving house and since then we have used his services for a remortgage and a buy to let mortgage. Over the years, Barry has always got us the best mortgage offer to suit our situatio. Barry has helped me secure remortgage facilities on more than one occasion in the last few years and I have found him to be very focused on getting the best outcome for his customers.

He is friendly, responsive and reliable. He works hard and its rea. We have known Barry for over 5 years now. He has always been professional, polite and has a great sense of humour. He is always at the end of the phone ready to help with any query we have no matter how big or small.

read more › Mortgages and insurances are not as complicated as they may first seem. That's why finding honest advisers, with invaluable experience and knowledge is so important. Mortgage Saving Experts give our customers an honest and transparent service that will leave you thinking that mortgages and insurances aren't as daunting as they may seem. We here at Mortgage Saving Experts treat each mortgage and insurance application as if it were our own. This is what we're all about. Mortgage Saving Experts are here no matter what the circumstance, whether you're a first time buyer, a landlord, moving onto a new chapter or just remortgaging.

read more › Mortgage Saving Experts Ltd is an exciting, modern mortgage brokerage based in the vibrant City of Brighton who are looking for exceptional brokers to work with. You do not have to work in Brighton with us as you can work anywhere in England or Wales. We are looking for CeMAP qualified, hungry, professional and enthusiastic advisers with at least 12 months experience in selling mortgages and associated protection products, ideally in an independent field but not essential, to help grow the business into an honest, reliable household name across the UK.

read more › There are many things you can do to safeguard your money. For example, writing your life insurance policy or policies in trust. These are free of charge and not many people really know about them or how they work. They are not suitable for everyone but we are big believers in trusts and would be more than happy in explaining how they work and what they do so get in touch to find out more. In all honesty, you'll be glad you did. Many people say that these types of insurances do not pay out but our research shows most insurance companies pay out over 98% of claims in any one year.

read more › You don't have to take out private medical insurance - but if you don't want to use the NHS, you might find it hard to pay for private treatment without insurance, especially for serious conditions. Like all insurance, the cover you get from private medical insurance depends on the policy you buy. Basic private medical insurance usually picks up the costs of most in-patient treatments (tests and surgery) and day-care surgery. Some policies extend to out-patient treatments (such as specialists and consultants) and might pay you a small fixed amount for each night you spend in an NHS hospital.

read more › Life insurance is designed to pay out a cash lump sum upon death of the person insured It is also called term assurance so what this means is a person is insured for a particular length of time i.e. 30 years and if the person dies within that term a long as the premiums have been paid and are up to date then the policy will pay a cash lump sum. You can even set up a life insurance policy if you do not have a mortgage because the money is paid to the surviving spouse or the estate and the money does not go direct to a mortgage lender.

read more › This policy is designed to pay a cash lump sum upon the death of the person insured. There is no end date or "term" for this policy. You need to keep up the monthly premiums so it will stay in force and pay a lump sum to the surviving family or loved ones. Whole of life cover is a life insurance policy which is designed to pay a cash lump sum to your children, spouse or beneficiaries when the person insured dies, providing the premiums are up to date. It is designed to last your who life if you keep up payments of the monthly premiums until you die.

read more › This pays out a cash lump sum if you are diagnosed with a defined critical illness or serious illness. In our opinion it is the single most important cover you will have in your lifetime. You see most people in their lifetime will be diagnosed with a critical illness such as Cancer, Heart Attacks, Stroke, Multiple Sclerosis, Parkinsons and Alzheimers disease. This cover is the one you will be more likely to claim for. Different insurance companies cover different types of critical or serious illnesses and they will pay dependent on how severe the condition you contract is.

read more › Family Income Benefit pays out a regular monthly income rather than a cash lump sum for the rest of the duration of the term of the policy. You can take FIB to cover death or if the insured contracts of a Critical or Serious Illness. If you make a successful claim for say Cancer or Total and Permanent Disability (providing you are covered for these things as policies do vary), you will receive a monthly income until the end of the term of the policy. If you take the policy out to cover 500 per month over 25 years and you make a successful claim in year 5 then you will receive 500 per month for the 20 years that are left on your policy.

read more › Business protection could help client owned businesses continue to trade should a key person or business owner die or become terminally or critically* ill. Proceeds from the policy could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partner's/director's estate are purchased. Protecting people should be an integral part of any business plan. Business owners already protect many of the important things that keep the business running smoothly, like property, fleets and stock.

read more › This is designed to pay out a monthly income to you are unable to work due to having an accident or becoming sick. These policies are great because if you had a car accident and you broke your hand, which was going to take months to heal, your rent, mortgage or bills will still keep coming in. It would be handy to know that you have something in place to cover this eventuality. A policy like this would be able to pay you until you return to work, no matter how long that took. Income Protection works in this way.

read more › This policy is designed to pay a monthly amount to you if you have an accident, become sick or are made unemployed. It can give you the peace of mind in the event of unemployment, sicknesses or accidents. Nobody can predict what will happen in the future, therefore, it's important to consider taking out suitable mortgage protection which can give you the security of knowing that if the unexpected happens, you are prepared for it. Many standard mortgages do not have any protection insurance included, so it's important to decide what kind of separate coverage you will need.

read more › As the name suggests, it combines the two main elements of property cover - contents and buildings - that can also be arranged and sold separately if so desired. If you need both elements, such a combined policy can have significant advantages over arranging individual elements of cover. Price is often the major factor - if you need both types of insurance then a joint policy is likely to be the most cost-effective option. It's also likely to be more convenient to arrange everything in one go, and there'll probably be less paperwork to take care of.

read more › This does vary from lender to lender. The maximum loan you will ever be able to borrow is 5 times your gross annual income. For example, if you earn 20,000 per annum and have no debts at all then you could potentially borrow up to 100,000. There are certain stipulations to this but in essence that's it. There are over 100 lenders on the market and they all differ massively so speak to an adviser to see if they can help. This is a tax which is payable when purchasing a property. It has 2 sub categories; residential rates and non-residential rates.

read more › A key step in buying your first home is securing a mortgage, and there are many reasons for selecting the most suitable one. While the myriad of financing options available to first-time homebuyers can seem daunting, it can save you a considerable amount of time and money to take the time to research the fundamentals of property financing. As a homebuyer, you don't want anything to jeopardise the chances of buying the home that you've chosen. It may seem that getting a mortgage is an overwhelming process, but honestly, it does not have to be.

read more › Whether you're an experienced investor or a new landlord hoping to take their first step onto the property letting ladder, buy-to-let mortgages is the type of mortgage you will need to be able to buy a property to rent it out, unless of course you have enough money to buy one with cash! That being said, buy-to-let mortgage rates differ from those of a traditional residential mortgage, so it's important to know whether you qualify for one before committing to the process. Buy-to-let mortgages are a type of mortgage for people who have the specific intention of renting a property out.

read more › In a nutshell, all you are doing with this is changing from one lender to another to get a better rate or cheaper deal. The two do not necessarily go hand in hand. Let me explain. If you have a small mortgage, you will probably find it is not worthwhile paying an arrangement fee to the lender to go on a low rate. You may find it cheaper by going on a slightly higher rate and paying no arrangement fee. Always best to speak with someone before deciding on which deal to go for as you don't want to be caught out by getting a more expensive deal overall even though the rate is much lower.

read more › If you have brought land and have planning permission to build a property, then you can potentially obtain finance to build your own home either to rent or to live in. For example, some lenders will lend you up to around 80% - 85% of the land value so you can put foundations in, then a surveyor the lender instructs (paid for by you of course!) comes to value the land with foundations, the lender will then give you an extra 80-85% of what the increase in value is so you can build to the next stage which in some cases is to get the property water tight.

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