Financial Solutions  (Home & Business) Ltd  We are specialists in providing comprehensive mortgage & insurance advice 

Financial Solutions  (Home & Business) Ltd  We are experts in arranging mortgages and safeguarding you against potential risks with protection insurance. 

Financial Solutions  (Home & Business) Ltd  We are experts in arranging residential & buy to let Mortgages 

Financial Solutions  (Home & Business) Ltd  We are specialists in providing comprehensive mortgage & insurance advice 

Financial Solutions (Home & Business) Ltd works closely with its clients to deliver positive outcomes, mitigate foreseeable harm, and assist clients in achieving their financial objectives. We have established robust relationships with a diverse range of lenders, including high street lenders and specialised lenders. Moreover, we have access to a wide range of major insurance companies. This puts us in the best possible position to identify and provide our clients with the most suitable products tailored to their specific needs and circumstances. 

High Value Borrowing 

We have considerable experience arranging such loan facilities and we provide bespoke lending-solutions for High-Net-Worth borrowers. 
Such mortgage applications are not a tick-box exercise; there is a need for a more holistic approach to income and wealth. Lending terms are often negotiated on a case-by-case basis. 
Borrowing can be part of a wealth-creation strategy, protection of other investments, and the requirement for efficient tax-planning. 
Complex income structures and lending needs can mean that borrowing flexibility is sometimes a higher priority than low mortgage fees or interest rates. 
Borrowing solutions are often required for intricate ownership structures, for example, trusts, limited companies etc. 
Our clients are often short of time and require a discreet, efficient, and decisive service. 

Our Residential Services 

Financial Solutions (Home & Business) are specialists in assisting high net worth clients purchase high value properties. We regularly deal with large mortgage loans over £500,000 and have assisted clients purchasing property worth £25 million and beyond. Financial Solutions (Home & Business) understands the large loan arena and are experts in the placement of large residential mortgages and buy to let mortgages. We act on your behalf and whether you are a first time buyer, moving home, re-mortgaging, or buying an investment property we can recommend mortgages from the entire market, including those products normally available only by direct approach to lenders. 

Advice on Mortgages 

We have access to many schemes not available on the High Street, often on exclusive terms. There are hundreds of mortgage products available and choosing the right one can be a complicated process. Whether you are a first time buyer, moving home, re-mortgaging or looking to buy an investment property we will help you secure the most competitive mortgage product for your personal circumstances. 

Retirement Interest Only (RIO) Mortgage 

An interest-only mortgage that is available to people over 55 years of age must be secured against your main home. The main differences from a standard interest-only mortgage are that it does not have to be repaid until death, moving permanently into long-term care or the sale of your home and you will only have to prove that you can afford the monthly interest payments. Unlike an Equity Release mortgage, a RIO does not roll up interest.  

Protection & Insurance 

We provide Life Assurance & General Insurance advice, with access to a wide range of the major insurance companies. We will recommend the most cost effective and secure solutions we possibly can. 
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE 

Our Business Services 

Financial Solutions (Home & Business) Ltd has long been related to the financial well-being of the SME business sector. Our business protection, employee insurance, and business finance products will give you peace-of-mind while helping you grow your company.  

Business Protection 

Business Protection Insurance is a way of helping you protect against possible financial losses when serious illness or death affects a Director, Partner, or Key Employee. It can help ensure that your business survives and continues trading under seriously challenging circumstances and covers share purchases, a loss of sales, or an inability to repay business loans. 

Relevant Life Plans 

Did you know that employee life cover when provided by the employer can be treated as a direct cost to the business, and hence can be set directly against profits? This is a great way to provide a benefit to your employees, provide protection for your business, and is highly cost-effective and tax-efficient. 

The Employee Mortgage Benefit Scheme (TEMBS®) 

Buying a home is one of the most important and stressful tasks for any individual, and mortgage education deserves a place in the employee benefits mix.  
The Employee Mortgage Benefits Scheme is a means of providing employees with professional and bespoke mortgage advice. 
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