Make sure your credit score/profile is healthy, get a copy of your credit score and pay off as many outstanding debts as you can. Don’t undertake credit searches before looking at a mortgage.
You’ll need 3 months personal and business bank statements, an in-date passport and/or a driving licence, proof of your earnings (contracts or trading accounts if you don’t work via contracts) and proof of your deposit.
Either save, get a gift from direct family, or look at a product like Barclay’s Family Springboard mortgage or Lloyd’s Lend-A-Hand mortgage – these are amongst several products where family members place money in a savings account connected to the mortgage. Generally, the bigger the deposit, the lower the interest rate.
Whatever your needs, CMME can help you identify the right protection products and services for you and your family, giving you complete financial and emotional peace of mind. Specific areas include:
Income Protection Insurance: Replaces part of your income if you are unable to work for a long period of time because of illness or disability.
Critical Illness Insurance: Pays out a lump sum if you’re diagnosed with a critical illness. You can use the pay-out for anything such as, paying for medical treatment or to pay off your mortgage.
Life Insurance: This will ensure your family is taken care of in the unfortunate event of something happening to you.
Relevant Life Insurance: Set up through your limited company, Relevant Life provides a tax-efficient way to provide for your family in the event of death or diagnosis of a terminal illness.
We’re here to help. Call our dedicated IPSE helpline onfor a free, no-obligation chat. We’re open Monday to Friday 8am to 7pm. Alternatively, fill in your details below and one of our specialist advisers will call you back at a time that’s convenient for you.
IPSE Member Offer: If you arrange your mortgage with us, you’ll receive a £50 Amazon voucher, with our thanks!
Offer applies for new CMME clients only.
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