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I thought all was lost as had some adverse info on my credit file due to a divorce. Been messed around and basically mislead by several mortgage companies who didn't even know their own lending criteria. Richard sorted it in one meeting. I couldn't recommend him highly enough. As mortgages are far more complex these days you really need to see someone with a lot of experience. Richard has it.
Richard was great throughout the whole mortgage process, would thoroughly recommend.
We thought it would be a number of years before we would be able to get the mortgage we did. Signature mortgages worked tirelessly to get us a great deal that meant our plans for our next step up the property ladder will become a reality. Thanks to Signature Mortgages our quality of life will be increased no end.
From Our Website
An equity release scheme is becoming an important part of retirement planning - it can be used to make your retirement more comfortable, and to open up exciting new possibilities. An equity release scheme lets you raise money from your property - as either a lump sum or regular income, or both - and at the same time gives you, and a partner, the right to remain living there until you both die or move out. There are two types of equity release scheme available in the market, with several variations on each.
Here at Signature Mortgages we can search the market for you to identify a suitable mortgage to meet your particular circumstances. If you have enough equity in your property, you may well be able to release some capital from your home for a multitude of purposes. Alternatively, use the Call Back form to register your enquiry. We will always deal with your enquiry in as flexible way as possible, whether it's face to face, by telephone, post or e mail.
Many insurance companies will offer premium based B&C rather than benefit level / the amount of cover you need. What this means is your home and contents are at risk of being under insured. Should you need to make a claim, it's important that you're not under insured. If you had 20,000 of contents insurance cover and after making a claim the insurance assessor find that you contents insurance is not sufficient, the insurance company will not pay the total amount of your claim as you are under insured, and will reduce the amount they will pay out accordingly.
Borrowers may not be able to receive any Income Support payments towards their mortgage interest for an initial period of time. Many of our clients who have had, or are experiencing financial difficulties do not have any form of Accident, Sickness & Unemployment (ASU) or Mortgage Payment Protection Insurance (MPPI).
Income Protection provides you with a monthly tax free replacement income in the event of illness. It can replace a proportion of your lost earnings (typically up to 60% of your gross earnings), meaning protection of some of your living expenses. It can also provide cover for housepersons, those engaged in full-time household duties However, its main benefit is that it helps to maintain your standard of living, offering peace of mind. Alternatively, use the Call Back form to register your enquiry.
Advantageous mortgage rates and low performance by conventional savings and investment products mean that property / buy-to-let investments can be an investment for the future. Rent Potential - The decision any mortgage lender will make as to whether or not a mortgage will be offered / how much money they will lend, is usually based on the rent you will earn and not your income. Some lenders will calculate the rental income on 125% - 130% of the monthly mortgage payment at a nominal rate of between 5% & 6%.
Life / Term Assurance - If you stop and look around you will find that many things in your home can be insured, even your pets. But like many people in the UK, their most valuable possessions may not be covered. Term Assurance pays out if you die within a set period of time (the ‘term'). If you survive the term, it pays out nothing. You might set the term at, say, the number of years until your children are financially independent, or the number of years remaining on your mortgage. It is not an investment; however, it is a low cost form of life insurance.
The commercial mortgage market has expanded and diversified considerably over the last few years with more lenders offering commercial mortgages and funding. More people have decided to become self employed and set up business, so lenders have had to wake up to the fact that they need to diversify their business offerings and provide good quality services and competitive rates to attract new business. Areas where new businesses used to be refused have now been addressed. The most common reason why an application would not proceed was due to the client not being able to prove their income as they were starting a new business.