Emerald Finance
Description
We deal with everything finance related, mortgages, insurance, equity release, buy to let, investments, wills, trusts, pensions, property and much more! EMERALD FINANCE
Established in 2005, Emerald Finance provides professional financial advice and services to individuals and businesses in and around Worthing. We are fully independent and have access to the whole of the mortgage market. Emerald Finance's professional advisers take pride in providing every client they meet with the very best financial advice for each individual client's specific needs.
OUR SERVICES
Offering expert advice on a wide range of financial products and services, Emerald Finance can offer assistance in the following areas:
* Mortgage Advice
* Insurance Advice
* Equity Release Advice
* Wills, Trust and Funeral Planning
* Business & Commercial Finance
* Commercial Insurance and Key Man Insurance
* And more!
Contact the independent financial advisors at Emerald Finance today for a FREE, no obligation quotation or financial review on 0800 0121 033, or email at info@emeraldfinance.co.uk.
MORTGAGES
All our advisors will always carry out a thorough financial review to enable them to assess and source the very best deal available for our client's personal needs. As an independent advisor we can look at the whole market and ensure that our clients get the mortgage that best suits them. Where clients have been struggling we will liaise directly with underwriters to smooth the application through where normally it may fail. Areas covered are:
* Mortgages for First Time Buyers (including Guarantor mortgages)
* Home Movers (to minimise penalties and costs when moving home)
* Remortgages (when your existing deal comes to an end)
* Buy To Let (whether your first investment property or managing a wide portfolio)
* Commercial (business premises)
INSURANCE
At Emerald Finance we will always recommend that our clients have the correct protection in place, and that it is structured correctly. This ensures that the home is protected, and that whatever happens in the future our client can afford the mortgage payments. Should a client pass away or suffer a critical illness then the mortgage can always be repaid in full. Trust planning is also utilised to ensure that the funds are realised within weeks as opposed to months where probate or letters of administration have to be obtained.
* Life Insurance
* Life and Critical Illness Insurance
* Permanent Health Insurance
* Accident, Sickness & Unemployment Insurance
* Buildings & Contents Insurance
EQUITY RELEASE
This provides home finance for those in retirement. Today many still have a mortgage or debts when they retire and Equity Release offers a way for clients to retire when planned in a more affordable manner, and with some of the schemes with no monthly payment to be made.
* Retirement Home Plan Mortgage
* Lifetime Mortgages
* Home Reversion Plan
COMMERCIAL
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With an increase in rates looking more likely, the pound dropping in value and inflation rising we recommend you act now to review your finances. If you haven't reviewed your mortgage and you're on a variable rate, NOW is the time to talk to your mortgage adviser to lock in a low cost deal. www.emeradfinance.co.uk
Are you racking up personal debt? You could be at risk with turbulent times ahead. Act now to take control and ask or help if you need it from citizens advice or your financial adviser.
Act Now and secure one of the lowest mortgage rates that have ever been available before they start to rise. Looks like the Bank of England are finally on the cusp of increasing rates. Contact your adviser and secure it before they go up! www.emeraldfinance.co.uk
Property prices still chipping up despite turbulent times according to Land Registry data - 5.6% growth. www.emeraldfinance.co.uk
The UK's top 20 property investment hotspots
Top tips for those investing in buy to let from The Telegraph! www.emeraldfinance.co.uk
UK property prices set to rise by over 6% by 2021 fuelled by buy to let surge - PropertyWire
Barclays Bank predictions for the property market suggesting rising values to continue. www.emeraldfinance.co.uk
BUY TO LET LANDLORDS! From today, landlords will start to lose the right to claim back their mortgage interest costs at the rate they pay income tax - currently up to 45 per cent. Instead, they will see this drop over the next three years to be replaced with a 20 per cent tax credit. One unpopular way to cover the shortfall in profits is to increase rents but it also makes sense for landlords to check that they are on the best possible mortgage rate as this could also offset these increased costs. With buy to let deals available at up to 80% for both employed and self-employed landlords now is the time to check where you stand. Contact us to find out how you can best prepare for these changes. www.emeraldfinance.co.uk Tel: 01903 222940
First-time buyer: Should I transfer my Help to Buy ISA to the Lifetime ISA?
Meet LISA - the new ISA for first time buyers with bonus payouts from the Government. www.emeraldfinance.co.uk
Wishing all the mothers, mums, step mothers and mummy's a wonderful Mothers Day! From all of us at Emerald Finance have a fantastic day!
The seven banks that pay just 10p on £1,000 of savings | Money Observer
How much money is your money making? If your money isn't working for you then you are missing out! www.emeraldfinance.co.uk
Timeline Photos
Our selfie completion winner Justyn Goodwin popped in to the 10 Chapel Road office to collect his prize money today. Congratulations to Justyn and Karen Goodwin and once again thanks to all who participated in the competition. Like our Facebook page to be kept up to date on the latest financial posts.
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