Access Mortgages are independent advisers offering advice on property purchases, remortgages and buy-to-lets. Visit www.accessmortgages.com for more information about the services we offer or call 01698 322 800 for advice on mortgage or protection.
- Glasgow, Edinburgh and Ayrshire
|Address||7A Church Street|
|Phone Number||016 9832 2800|
From Our Website
Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection. We can search through a range of policies to find the one that suits you best from our extensive list of insurers. So this year leave the shopping to us, as just one phone call could find the best cover and price for you. Access Mortgages Glasgow specialise in providing you with professional advice that you can trust.
We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. We are a company of action: proactive, professional and committed to creating long-term success for you, our client. Our specialist team of qualified advisors offer a free initial consultation providing impartial mortgage advice searching the whole of the market to ensure we find you a tailor made solution. We remove the stress by managing the whole process from application through legals to completion.
As the name implies, this type of life assurance pays out when you die, whenever that may be. It is usually, but not always, a more expensive option than term assurance simply because the life assurance company knows that it will definitely pay out at some point. Many of these plans offer some form of investment content and so can be more flexible than term assurance and can acquire cash in values. Who is it for? This type of plan is designed for those who want to leave a lump sum in the event of their death, whenever it may occur.
If you have had insurance and have not claimed on the policy then you might qualify for a no claims discount. You can also get reduced rates if you combine contents and buildings insurance. For added peace of mind you can extend your cover, for an added premium, to include the following.
Budget for council tax, gas and electricity bills, boiler servicing, and other home repairs. The selling agent should be able to tell you how much you should expect to pay in council tax. If homes near your workplace are more expensive, weigh up this expense with the cost of commuting. If you have kids, check that the property falls into the catchment area for your desired schools.
Buildings insurance covers the building, sanitary ware forming part of the building, and outbuildings. We source buildings insurance from different insurers to get you the most appropriate cover.
A life assurance policy is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. Critical illness cover can be added to term assurance policies at outset for an additional cost. If you do add on critical illness cover, the policy could pay out the lump sum if you die or on diagnosis of a specified critical illness during the term of the policy. Or it could pay out if you are terminally ill, and you meet the definition, except in the last 12 months of the policy.
The monthly payment shown is intended as a guide only. The actual amount you will have to pay each month could be more or less than this figure. The figures shown for the repayment of an interest only mortgage refer only to the repayment of interest. The cost of the repayment of the amount borrowed isn't included.