Bespoke Home Finance Ltd

Are you thinking of moving home? Maybe it’s time to upgrade or start a family. Whatever your reason, we at Bespoke Home Finance can make the process a little easier. What a great opportunity to review your mortgage arrangements, so we can find the best deal for you. At Bespoke Home Finance, we take great pride in our work. Knowing we have taken every consideration into detail when searching for the mortgage, we know that you will be more than happy with the outcome. At Bespoke Home Finance you will always be provided with honest and transparent information, to assist you in finding the best deal.

If you are interested in finding the best deal for you I imagine you are used to shopping around. Well, why not do that for your mortgage? There are many reasons as to why a homeowner would do this. We are here to help you with that if you are trying to raise a large sum of money, consolidate debts or to pay for an extension to your existing home rather than having to move.

You have us as experts to help you navigate a remortgage as there are a few things to think about first. If you remortgage your home there may be penalties for leaving a mortgage before it comes to term and a higher lending charge. We are here to guide you through the process to ensure that you get the best deal possible. With our team and their years of experience in the industry, we can secure better rates than most. For every remortgaging opportunity, speak to our team today.

When considering a buy-to-let mortgage there is a lot to take into account, especially if you plan on renting out the property to a third party. At Bespoke Home Finance, we are here to help you with the process. We aim to find you the best deal possible and we understand that everyone’s circumstances are different, but this investment can make a huge difference to you and your family. That’s why we are here to help you with all the facts and information we have, not only that but you will be getting advice from mortgage experts with years of experience. When looking at Buy-to-let mortgages they are generally between 1-2% higher interest rates and the minimum deposit required is around 20% of the loan value. It’s also worth taking into consideration the potential rental income as this can affect the amount a lender is prepared to offer.

Life insurance protects your family financially should the worst happen to you within the policy term. If you die or are diagnosed with a terminal illness with a life expectancy of less than 12 months, it could payout a cash sum. It cannot replace the love you give, but it will help your loved ones during a difficult time. This may go towards your family maintaining their living standards or keeping up with mortgage payments.

Whether you need life insurance may depend on your individual circumstances. For example, if you are a parent, would your spouse or children be able to manage financially if something were to happen to you? We can help you choose the right level of cover for you, so that your family are protected in all circumstances.

Life can change suddenly and you never know what is around the corner, but you can take measures to protect yourself should things take a turn for the worse. Leave it to the experts at Bespoke Home Finance, we can help you find the best life cover that will be beneficial for you and your family.

Critical illness cover is an insurance policy which helps to protect you if you’re diagnosed with a critical medical condition during the term of your policy. A critical illness can affect anyone at any age and when it does, it can turn lives upside down. When deciding if you need critical illness cover, take into consideration the expenses that would need to be covered if you became critically ill and could no longer earn an income. Having a lump sum payout at this difficult time could be a massive help to you and your family.

You might use the money to help cover health-related costs, monthly expenses or lost income while you recover. For many, this takes a huge weight off their shoulders, allowing them to focus only on getting better, not having to worry about their finances.

Speak to our team today to discuss critical illness cover and find the best option for you and your family.

Income protection is an insurance policy that pays out if you’re unable to work because of injury or illness. With most policies it pays out until retirement, death or your return to work. When looking for the right income protection, it’s so important that you speak to the experts, to get the right advice.

Income protection insurance covers you if you lose your job, provided you lose it through no fault of your own. The monthly payments will cover some of your lost earnings, helping you maintain your lifestyle while you’re away from work due to illness or injury. With the peace of mind that this protection offers, you can focus all your efforts on looking after your health, rather than stressing about your finances.

You can be assured that at Bespoke Home Finance, our advisers will go above and beyond for you to find the right cover for your circumstances. Speak to us today about income protection.