Hyde Associates are Independent Mortgage and Protection specialists. With access to the entire mortgage market place and other exclusive products, our clients can expect a tailor made service to suit personal requirements. We have strong links with major lenders who are prepared to consider 'out of criteria' applications on merit and this is becoming one of our strongest areas.

An important thing to understand is that when you receive both mortgage and protection advice, we have a duty of care to you.

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What We Do

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Home insurance is a general term used to describe two very different types of insurance: Buildings insurance - for permanent fixtures and fittings, like kitchens and bathrooms. Contents insurance - for things you keep in your home, like furniture, TVs, personal belongings and some types of flooring.

Mortgages

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Your monthly repayments consist of repaying the capital amount borrowed together with accrued interest. On your mortgage statement, normally received annually, you will see that the amount borrowed decreases throughout the term. At the end of the term, you are safe in the knowledge that the total amount of the debt has been repaid, as long as all payments have been made when requested.

Protection

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This information is provided as a generic guide and gives a overview of considerations relating to arrangements and solutions for a business and its owners. It is not an exhaustive list; however, it represents the key areas. There are various aspects and reasons for business insurance and it is of utmost importance that the business considers and recognises its own requirements through understanding the impacts of not holding the appropriate and relevant insurance.Aside from the legal requirements there are some key areas for consideration.

Glossary

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An Additional Security Fee (Mortgage Indemnity Guarantee policy) is paid to take out an insurance policy designed to indemnify the mortgagee (lender) against loss in the event of default on the mortgage repayment. It is normally taken out by the lender at the start of the mortgage and the mortgagor (borrower) is made to pay the premium!

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