ELSBY ASSOCIATES

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.

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We aim to deal with all our clients with professional advice, service, commitment and attention to detail.

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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.

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.

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.

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.

We aim to deal with all our clients with professional advice, service and commitment

and with attention to detail; that’s why so many of them feel confident to recommend our services.

Mortgages

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

Insurance Protection

Life Insurance is a great way to help protect your family from the financial worries they could face if you were no longer around. Life insurance pays out a cash lump sum or regular income if you die within the term of the policy. Cover is usually on a level or decreasing basis which we will review with you.

Critical Illness

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.

Income Protection

We all insure our cars and homes but we don’t always look after what pays for it all: our earnings.

ELSBY ASSOCIATES

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.

What is Equity Release?

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.

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.

ELSBY ASSOCIATES

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?

Home
Improvements

Clear Mortgage debt, loans or credit cards

Gifts to your
children

Maintain or improve your lifestyle income

Afford life's
little luxuries

Reduce any potential inheritance tax liability

Pay for private
medical costs

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.

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