Bobby Barclay - Cleveden Park Wealth

Typically, when you take out a mortgage you will need to remortgage several times until the end of the term. There are several reasons why you may need to do this and here at CPW we will guide you towards the right option to meet your needs.

When you remortgage, you can use equity in your property to borrow additional funds. Whether you are looking at building an extension or fitting a new kitchen or bathroom, home improvements are one of the main reasons to borrow additional money.

For some, they wish to consolidate their debts. This means that instead of having monthly payments for credit cards, loans and your mortgage, consolidating typically clears credit cards and loans and can result in lower overall monthly payments. One of the ways we can support you is by looking at your finances together to ensure this is the best option for you.

During the remortgage process, we may discover that switching to a new rate with a different lender may be your best option. This can provide you with a chance to evaluate your mortgage term and if it is of benefit to you, we can put these arrangements in place. If you are tied in to your current deal and you have exit fees attached to your existing mortgage, we will ensure your new mortgage is ready go once your current deal expires. Once we have secured your new mortgage, we will contact you at least three months before your new deal expires to ensure you are on the best rate available.

Whether you are looking to purchase your first Buy to Let property or an experienced landlord, we are here to help.

Unlike with a typical residential property, Buy to Lets are assessed on the rental income. Not only are they assessed differently that way, there is other eligibility criteria to think about as well.

These can include, but are not limited to:

An applicants age (some lenders will not lend to someone under 25)

The property type (some former local authority owned properties can be unacceptable)

Deposit (typically needs to be 25%)

Whether you are already a home owner
If this is your first investment property, you’re an experienced landlord, or even, if you want to discuss the Buy to Let market, come and talk to us today and we will be happy to help.

When considering moving home, there can be a lot to think about.

Whether you want to upsize or downsize, whether you need a short term finance solution to secure your dream property or whether you wish to port your existing mortgage; here at Riverpark, we can take care of any questions or concerns you may have.


Whichever stage you are at, we are here to help. We can provide helpful tips when it comes to selling your current property, support you with asking the right questions when viewing a possible new home and be with you every step of the way. From the point of initial contact right through to receiving your keys, we will have the solution for you.

This is a form of life insurance that can provide financial stability to your family if you pass away or become critically ill.

A lump sum or an income can be paid out from this life insurance policy providing financial security if you lose someone who contributes financially to your monthly expenditure.

Mortgage protection is designed to pay off your mortgage in the event of you passing away or becoming critically ill. This can mean that your family can live in the property without the financial burden of the mortgage.

Income protection provides a regular income if you are unable to work due to accident or illness.
This is a welcomed safety net allowing you to keep up with your regular expenditure & lifestyle costs.

Provides a lump sum of money if you are diagnosed with a specified critical illness such as Cancer, Heart Attack, Stroke, Brain Tumour or MS.

This money can be used to clear a debt such as a mortgage, to pay regular expenditure or even fund private treatment.

Shareholder/Partnership Protection are policies put into place by businesses to allow the surviving shareholders to purchase the shares from the spouse of the deceased Director in the event of death, or from the Director if he wishes to exit the business upon diagnosis of a critical illness. This type of policy helps business owners keep control of their company if one of the owners dies or becomes critically ill.

Key Person Cover allows you to protect your business from the financial impact of losing a key employee (including owners/managers), whose death or illness would have a significant impact on the financial position of the business.

A tax efficient way for Directors of limited companies to arrange life insurance that can be paid through their limited company.

Any benefits from the life insurance will be paid upon death of diagnosis of a terminal business to the life assureds estate.

Loan protection can be used to pay off company debt in the event of a key individual within a business passing away or becoming critically ill.