Taking the stress out of your Mortgage application
Dealing with mortgage lenders and insurers on your behalf keeping your best interests and unique requirements at the forefront of your application.
Get in Touch with our Friendly Professional Team!
We aim to deal with all our clients with professional advice, service, commitment and attention to detail.
Expert Advice And Quality Service
Elsby Associates Limited are committed to looking through a range of mortgage and insurance products to find those choices that best suit your needs. We have many years' experience in this ever-changing mortgage and protection markets, so this lets us focus on giving you a great financial experience, whether you're buying a new home, refinancing an existing one or maintaining a portfolio of buy-to-let properties.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our initial appointment is FREE, to establish if we can help achieve your mortgage requirements.
This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.
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We take the Stress out of the Buying Process
We take the stress out of the buying process by dealing with mortgage lenders and insurers on your behalf, and by using our knowledge to avoid any potential problems. We’re committed to making sure you get to where you want to go, quickly and easily.
We build long-term client relationships, working with you over the years as your property journey progresses. As we learn more about your plans and your overall situation, so we are increasingly able to help you understand your options and enable you to make sensible choices now and in the future.
Discover how we can help you
Whether you’re getting on the property ladder for the first time, moving to a bigger home or buying for investment, Elsby Associates is here to support you.
Life Insurance is a great way to help protect your family from the financial worries they could face if you were no longer around.
We all insure our cars and homes but we don’t always look after what pays for it all: our earnings.
Mortgage payment protection insurance (MPPI) helps protect our clients mortgage repayments and mortgage related premiums.
We’re here to help you find the best Equity Release Solution. We work with a comprehensive panel of providers to find you the best value Equity Release Scheme to suit your needs.
Whether you're getting on the property ladder for the first time, moving to a bigger home or buying for investment, Elsby Associates is here to support you and take away the stress and uncertainty that comes with buying and selling property.
Whatever your situation, we will provide you peace of mind to know you’re making the right choices
If the worst happens and you're diagnosed with a serious illness, it's important to make sure you're covered against the financial impact it could have on your family.
Critical Illness and Serious Illness insurance policies pay out a cash lump sum or a regular income when you are diagnosed with a particular illness or suffer injury from a serious accident specified in the policy terms.
Policies vary depending on the provider, so it's important to understand the differences. For example, the number of illnesses covered, definitions, partial payments and claims to payout ratios.
In the event of your diagnosis, money paid out from a Critical Illness policy could be used to help maintain your standard of living, pay off your mortgage and, if needed, pay for private healthcare.
How would you pay the bills if you were sick or accidentally injured and couldn't work?
When the unexpected happens, we know that what matters is peace of mind from a policy you can trust. Income protection policies can be straightforward, simple to arrange and individual to you, providing:
An income to help replace any loss of earnings due to ill health or accidental injury.
An insurance policy that's affordable and easy to arrange; helping to give peace of mind to you and your family.
Continued benefits if you go back to work in a reduced capacity, with a reduced salary.
Tax-free payments under the current rules (tax year 2018/2019), although this might change in the future.
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Income Protection Insurance can cover a wide range of situations and has the potential to pay out for many years, even up until retirement age.
Income Protection Insurance is designed to typically protect up to 60-70% of your gross salary dependent on provider if you are unable to work due to accident or sickness and, in some cases, unemployment.
Elsby Associates can talk you through the options available from our panel of well known insurers and advise on the right policy for you. Whatever your situation, it will give you peace of mind to know you’re making the right choices.
We’re here to help you find the best Equity Release Solution.
We work with a comprehensive panel of providers to find you the best value Equity Release Scheme to suit your needs.
You have the option to have the interest rolled up into the loan, or you can pay the interest each month. You can also 'ring-fence' part of the property value to ensure you leave a legacy to your family if required.
All our schemes are approved by the Equity Release Council. Every Equity Release scheme we offer meets strict standards to protect you.
This is a lifetime mortgage or a home reversion plan.
To understand the features and risks, ask for a personalised illustration.
Our initial meeting is fee free and is to establish if we can help you with your requirements. There will be a fee for arranging an Equity Release. The precise amount will depend on your circumstances, but we estimate it will be £995. This fee is payable on completion, plus we will be paid a commission from the lender.
Check that this mortgage will meet your needs if you want to move or sell your home or if you want your family to inherit it. If you are in any doubt, seek independent advice.
What can I use Equity Release for?
Clear Mortgage debt, loans or credit cards
Gifts to your
Maintain or improve your lifestyle income
Reduce any potential inheritance tax liability
Pay for private
Fund a holiday home purchase
Alternatives you should consider first...
Selling your home and buying a smaller property
Claim any state benefits or grants you may be entitled to
Using your savings or sell any investments you may have
Any existing benefit entitlement may be affected by Equity Release (ask for a personal report to highlight any changes)
Take your first step in finding out if equity release is the right option for you, call Elsby Associates.
What our customers say about us
Here's what people are saying about Elsby Associates Limited.
What were the circumstances that caused you to look for a Financial adviser? I was looking to buy my first property. How did Carl help you? Carl helped me throughout the getting the mortgage process! It has been very very good support for me and I would definitely recommend his expertise and advise about relevant services to anyone buying a property. Especially first time buyers, as Carl provided 5 star support and advice for me. Very good and prompt communication throughout the process as well! What is your current situation? Have you seen the outcome you were hoping for? Yes I have keys to my property!
Lancashire | September 2018
What were the circumstances that caused you to look for a Financial adviser? New mortgage for a second property, struggling to get a decent rate due to age. Carl found us some very good mortgages, very impressed with his quick service. What is your current situation? Have you seen the outcome you were hoping for? Yes we now own a second property. What could they have done better? Nothing Carl walked us through the process thus was the best part of the process
Staffordshire | May 2018
What were the circumstances that caused you to look for a Financial adviser? I was remortgaging and unfortunately had to find a new Financial adviser, Carl came highly recommended. How did Carl help you? Carl sourced me a great product and the remortgage went really smoothly. What is your current situation? Have you seen the outcome you were hoping for? Most definitely.
Staffordshire | May 2018
What were the circumstances that caused you to look for a Financial adviser? Re-mortgage. How did Carl help you? Carl made the whole process very easy and i would recommend him without hesitation. What is your current situation. Have you seen the outcome you were hoping for? Yes. What could they have done better? Nothing, the service was prompt and competent.
Staffordshire | March 2018
What were the circumstances that caused you to look for a Financial adviser? My 2 year fixed rate mortgage was coming to an end. How did Carl help you? Provided advice and talked me through a range of options to achieve exactly what I was looking for with my new provider. What is your current situation? Have you seen the outcome you were hoping for? Most certainly. Carl even emailed between the initial meeting and the change over date to ensure everything was running smoothly and prevent any complications on the change over date. I have subsequently recommended Carl to friends and family.
Staffordshire | January 2018
My Fixed rate period of existing mortgage was coming to an end. Carl was very clear and concise and found me the product that met my needs. I have previously used Carl and I have always found him to be very professional and helpful.
G. Harris | October 2017
Newcastle under Lyme
We needed to mortgage. Carl was very friendly and thorough on our first meeting. Very clear and concise. Carl got us a great deal. Nothing could have been done better! Everything was spot on!
Stoke-on-Trent | October 2017
I have a very busy lifestyle and limited time to arrange a mortgage. I have used Motgage advisors in the past, but none compare to the level of service and speed Carl deals with things. Carl got me the best deal. After looking on the net I could not find one that compared more favourably than the deal Carl got me. He dealt with everything from start to finish requiring very little of my time. I got a better outcome than expected. The service Carl provided was worth every penny and I would highly recommend him. I will be using the service from now on for all my financial needs. Absolutely nothing can be improved from my point of view. Credit also goes to Carl's assistant Jill who handles everything excellently when Carl is unavailable.
H McGregor | May 2017
I was a first time buyer I was unsure of the buying process and how mortgages worked. Carl was very clear in explaining things to me, he helped and advised me every step of the way and he was able to answer anything that I was unsure of. I am now a proud home owner. I was very happy with the recommendation of Carl - Elsby Associates and I will definately be using him again in the future and I would gladly recommend him to others.
J Barlow | Sept 2016
I was recommended by an estate agents to Carl. He was brilliant. (Still is) About applying for a morgage and also about re mortgaging. He advised me about insurance as well. Nothing was too much for him, even late into the night advising and reassuring me as well. I'm more than happy with his professional: attitude, manner and humour through a stressful time. He kept me going through a difficult time regarding purchasing my late families house.
T Whitehouse | July 2016
Making a will, renewal of mortgage and life insurance. Carl was excellent , polite,helpful and explained everything so that I understood what the products were. He was patient and found me better products than I could have wished for and cheaper. I will defiantly use Carl again and get my family and friends to use him to. I got more than I expected a will, cheaper mortgage and better Life Insurance. Carl was better than I expected so there is nothing he could have done any better. It not often you find a genuine person willing to spend time explaining and saving you money. Thank you Carl you provided a service way beyond 5 stars.
Sharon H | Jun 2016
Little time to organise the mortgage on our own and in need of some advise and help. Carl found the best product available to us to fit our particular circumstances he also organised any insurance requirements we needed. We have had the best possible outcome and will be speaking to Carl in the future.
I was looking for 95% mortgages to purchase my first property. I contacted Carl when I found a property I wanted to purchase, Carl made an appointment to see me at very short notice. Carl worked very hard to find me the right product's. As I had never purchased a property before I was unsure of the processes I had to follow, Carl explained everything and recommended mortgages, solicitor's and life insurance. I would highly recommend Carl to anyone in need of financial advice as he was very accommodating and approachable. I am now all moved into my property just a couple of months since my first appointment with Carl. I can honestly say that Carl really could not have done more for me. In fact I have recommended Carl to a some friends of mine.
We required a re-mortgage. Carl was excellent not only did he ensure we had the correct mortgage to meet our needs he also ensured it was the best deal on the market at the current time. He then arranged life insurance to meet our needs and budget. The outcome was a great new re-mortgage deal and excellent life insurance policies arranged too. Excellent service throughout.
Contact us Today We’d Love to Hear from You!