Why use Hull Money Man?
Mortgages
If you’re buying a property then Hull Money Man is here is to help you every step of the way. As well as giving you Independent Mortgage Advice, I will ensure your new Mortgage and Home are fully protected should the unexpected happen, such as losing your job or being unable to work. I will obtain a Mortgage Agreement in Principle before you make an offer – this gives you the opportunity of negotiating the asking price of the property, as the seller will know your Finance is in place. I can also recommend a competitively priced and, perhaps more importantly, reliable Solicitor to carry out the Legal work in respect of your purchase.
Most of all, I’m there to be your Guide through the Home-Buying process and at the end of the phone for you to call as and when any problems occur or when you have any questions.
Protection
Once again, Hull Money Man is on hand to guide you through the potential maze of Protection policies available today to protect you, your family and your Home from any of the pitfalls life has got planned for you. Over time, of course your financial priorities will change and wherever possible I’ll help you arrange plans that can adapt to your evolving circumstances, such as moving home or growing your family. I like to build long-lasting relationships with my clients and this works two ways. For you, you know you can call me anytime to arrange an appointment at your home at a convenient time (out of hours appointments available) to review your situation and for me, because these relationships often lead on to me being able to help your friends, family and work colleagues too.
Here are a few of the different types of Protection policies currently available:
Income protection
You can protect your income against not being able to work due to an accident, sickness, or unemployment. Some providers Income Protection plans have got a bad name over the years and I’ll point out any negatives as well as all the benefits of these plans so you can make an informed choice. Bear in mind that when comparing policies such as these, cheapest isn’t necessarily always the best, I will look out for any exclusions so that you have the best possible chance of making a claim if you need to.
Life assurance
Normally very inexpensive to arrange, it’s vital that you speak to a Financial Adviser such as myself rather than buy online because although this is a very simple product to understand (it only pays out on death!), often Life Assurance should be written in “Trust” so that the proceeds go to exactly who you would wish them to rather than leaving it to chance. This is a very competitive market and if you already have a policy in place that you feel could be poor value, no longer suitable, or if you have one that isn’t in “Trust” for the benefit of your loved ones, please give me a call for a Free Protection Review.
Critical illness
Critical Illness pays out a lump sum of money directly to you if you are diagnosed with one of a number of specified illnesses, such as Cancer or a Heart Attack. There are dozens of Critical Illness plans on the market and many of them cover different illnesses! This can be highly confusing because we all prefer to compare “Like for Like”. Receiving a lump sum just when you need it most would be invaluable to many people, especially if you have a mortgage to pay. I’ll compare the different policies available before making a recommendation and confirming that in writing so you always have a record of what you bought.
Buildings & contents
It is usually a condition of your mortgage that you take out buildings insurance to protect your home and most people like to insure their contents too. Contact me for a quote when you get your next renewal notice
