Bridging Loans
If you are between moving properties and need to meet transaction deadlines, a bridging loan can be used as a short term solution.
Equity Release
If you are faced with unexpected expenses you can release money from the value of your home, also known as equity release.
Commercial Finance
Commercial finance can help you get ahead with plans or expand your business. We can walk you through the different options available and direct you to partners.
Legal Services
With big life events comes a lot of responsibility, so it's refreshing to know you aren't on your own and can access the right legal services.
Will Writing
We can put you in touch with expert will writers that will make sure you don't miss out something important that could affect your loved ones.
Pension Advice
Having a secure pension can be very beneficial in the future and getting financial advice can make all the difference.
LOANS
Bridging loans are a short term finance solution to ‘bridge’ the gap until you find a more suitable permanent solution. Bridging loans can be perfect for that renovation project before you sell the house to make a profit or providing that facility to buy your new home before your existing property has sold.*
CHARGES
If you have equity available within your home and you need to borrow some money and a re-mortgage is not the right option for you then a second charge might be worth considering. A second charge is a secured loan against your property and can be used to raise funds for a project.
RELEASE
You home is a valuable asset to you and with no mortgage is something you may want to leave to your next of kin. However, occasionally you may need to access some of that money straight away. Equity release allows you take money immediately from the value of the property without you having to move out of the house or sell.**
FINANCE
Do you need a way to finance that new business premises or expand? We work closely with partners who can advise you on the most suitable options for you.***
WRITING
It is not the easiest subject for people to talk about but it doesn’t make it any less important. Ensuring that your assets and valuables are left to the right people and making sure that guardians of children are chosen are examples of what can be included in a will. We can put you in touch with expert will writers who will make sure everything is taken care of if the worst was to happen.****
SERVICES
We work very closely with a select group of solicitors who can help you with your house purchase and sale. We have built long standing relationships with these solicitors to ensure that your case is handled as quickly and efficiently as possible and you receive a high quality service.
*Some bridging finance is not regulated by the Financial Conduct Authority
**A Lifetime Mortgage will reduce the value of your estate and may affect your entitlement to means-tested benefits and tax status. The impact of not servicing monthly interest payments on a Lifetime Mortgage is that the outstanding debt can grow rapidly, thus reducing the value of your estate. For example, if the interest rate was 7% a year, a £50,000 loan would double to £100,000 after 10 years assuming no repayments are made. This is an example for illustrative purposes only and personalised advice and recommendations should be sought from a qualified professional. You are strongly advised to register a lasting power of attorney. This will allow your affairs to be managed by somebody else if your mental abilities significantly decline.
***Commercial Mortgages are referred to a third party. Neither Key Mortgages nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.
****Will Writing services are referred to a third party. Neither Key Mortgages nor PRIMIS are responsible for the service received. These services are not regulated by the Financial Conduct Authority and may have limited consumer protection.