call us now 0113 3930422 0771 8759390
call us now 0113 3930422 0771 8759390
We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
It can provide the reassurance of financial protection for you, your family, and your business associates.
A Life Assurance policy pays out a sum of money when the person who is covered by the plan dies. The money is intended to pay off any outstanding debts and support your dependants financially by providing them with a further lump sum or a regular income if you die.
Please be aware that this type of assurance is based on an assessment of the health of the applicant.
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future. However, there are a number of other types of health-related insurance policies which are worthy of serious consideration including critical illness and income protection cover.
It enables you to minimise the effects of unexpected and often unwelcome future events and helps you to organise your personal and business life with greater confidence.
There is a range of equity release schemes available on the market offered by reputable equity release providers, and they fall into two main categories, Lifetime Mortgages and Home Reversion Plans.
Each type of equity release scheme facilitates a different method of releasing the equity in your home, and there are various other useful features available to create the ideal equity release scheme for you. Alternatively, our recommendation may be to use other forms of finance, other assets or other benefits and grants that you may be entitled to, once we have assessed your situation.
EQUITY RELEASE & LIFETIME MORTGAGES WILL REDUCE THE VALUE OF YOUR ESTATE AND CAN AFFECT YOUR ELIGIBILITY FOR MEANS TESTED BENEFITS.
A LIFETIME MORTGAGE IS A LONG-TERM COMMITMENT WHICH COULD ACCUMULATE INTEREST AND IS SECURED AGAINST YOUR HOME. EQUITY RELEASE IS NOT RIGHT FOR EVERYONE AND MAY REDUCE THE VALUE OF YOUR ESTATE.
HOME REVERSION PLANS ARE ARRANGED BY INTRODUCTION ONLY.
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Richard Smith Financial Services, 3 Birch Mews, Leeds, LS16 8NX
Registered Address: 3 Birch Mews, Leeds, LS16 8NX
Richard Smith is an appointed representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority under reference 454881.
Richard Smith is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference 944338.
The guidance and/or information contained within this website is subject to UK regulatory regime and is therefore targeted at consumers based in the UK.
Your home may be repossessed if you do not keep up repayments on your mortgage.
As with all insurance policies, conditions and exclusions will apply.
