We Care Because You Care

The mortgage and insurance market can be very confusing, even for those who already have them. Liz will clearly explain all the different types of options in a way that you will understand, to help you make an informed choice. She will help you decide whether a product is  suitable for your circumstances.

  • Get the best mortgage from 100’s of deals

  • We compare the whole the mortgage lenders market, including all major high street lenders and specialised lenders too.

  • Our entire mortgage advice service costs you nothing

  • Get dedicated 1-2-1 support and advice from start to finish

  • We will ensure smooth completion of your mortgage, and deal with all the paperwork on your behalf

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Services

Mortgage

The mortgage market can be very confusing, even for those who already have a mortgage. Liz will clearly explain all the different types of mortgage in a way that you will understand, to help you make an informed choice. She will help you decide whether a fixed rate mortgage, tracker mortgage, capped rate, discounted rate mortgage is the most suitable for your circumstances.

Mortgage Protection

Your home is one of the most important things you own. If you have a mortgage, the right insurance can help you keep up the payments if you’re unable to work.

Building and Contents Insurance

Home insurance protects you from insured events that damage your home or your belongings. If your home is damaged or destroyed in a fire for example, then having the right insurance could mean the insurance provider will pay to replace your belongings and repair or rebuild your home.

Income Protection

Income protection insurance will pay out if you’re unable to work due to an accident or ill health. This type of insurance provides a long term safety net as it’s possible to get insurance that will cover you from when you’re off work until you can go back. Even if it’s unlikely that you will ever be able to return to work, the cover should keep up your payments until your pension kicks in

Critical Illness Insurance

Critical illness cover is designed to ease financial hardship if you become seriously ill or disabled. It will pay out a one-off cash sum if you’re diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs.

Life Insurance

Life insurance will pay out a lump sum if you die during the policy term. This kind of cover is especially important if you have dependents, and want to make sure the mortgage would be paid off after your death.

Frequently Asked Questions

With a fixed rate mortgage, the interest rate stays the same for a set period of time. This means that for every month during this set period, your mortgage repayments will remain the same, even if there are changes with changes to the Bank of England base rate, or your lenders’ standard variable rate (SVR).The term of a fixed rate mortgage usually lasts between two to five years, but can be much longer. When this period comes to an end, your lender will typically transfer you automatically onto its SVR.

A tracker mortgage is a type of variable rate mortgage. The interest rate usually tracks the Bank of England base rate at a set margin (for example, 1%) above or below it. Tracker mortgage deals can last for as little as one year, or as long as the total life of the loan. Once your tracker deal comes to an end, you’re likely to be automatically transferred on your lender’s standard variable rate (SVR). Typically, this will have a higher rate of interest.

A ‘ lifetime tracker mortgage’ is a mortgage where the rate you pay back the loan at ‘tracks’ the bank of England base rate for the entire span of the mortgage, for example the base rate +1%. This is different to a typical tracker mortgage where the rate tracks the base rate for a set time period i.e. two years and then reverts back to the lender’s standard variable rate.

A standard variable rate mortgage (also known as an SVR or reversion rate mortgage) is a type of variable rate mortgage. The SVR is a lender’s ‘default’ rate – without any limited-term deals or discounts attached.

When a fixed, tracker or discount mortgage deal comes to an end, you will usually be transferred automatically onto your lender’s SVR.

It can be risky to stay on your lender’s standard variable rate mortgage. A lender can raise or lower its SVR at any time – and as a borrower you have no control over what happens to it. Standard variable rates tend to be influenced by changes in the level of the Bank of England’s base rate. However, a lender may also decide to change its SVR while the base rate remains unchanged.

If you are on a tight budget and relying on your SVR to remain low, you’re in a very vulnerable position. In this case, it is very important you try to remortgage onto a fixed rate deal (which offers rate stability) before it’s too late.

It helps to make sure you don’t fall behind with your monthly bills – like your mortgage – if you’re ever off work due to illness, injury or disability.

Term Life Insurance provides protection for a specific period of time. As its name suggests, Whole of Life Insurance provides protection for your entire life.

With medical advances meaning that many serious illnesses are not proving fatal, they can still have a major impact on your life and on your ability to earn a living.

Critical Illness Cover could help reduce the financial impact of a critical illness by helping with practicalities such as helping to pay off your mortgage and helping to pay any bills, allowing you the time to recover.

You can choose to apply for benefits to cover your own life – this is a single person plan.

Or, you can apply for benefits with your partner to cover your individual protection needs in one plan with joint ownership – this is a two person plan.

Thank you both so much for sorting everything out for us to move into the house. We didn’t even think that we were in a position to move! It’s not what you know, it’s who you know! You’re first on the list to a BBQ when it’s all sorted!

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Gavin, Leanne and Noel

Thanks so much Liz for all your help love, you made the whole process so easy. We absolutely love the house, still living out of boxes, but it will take time I suppose – especially when I choose a glass of wine, rather than unpacking.

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Berni, Steve and Matt

Thank you for all you did for us – again. We are settling into our new home, having managed to empty most of the boxes! If you ever venture up this far, please call in and see us…you know our address. Very best wishes.

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Toni and Anne

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Liz Kay offers a truly personal one-to-one mortgage service that you can be assured is completely independent and totally unbiased.

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