About Catherine Etherington Financial Services Ltd
Mortgages
First Time Buyer . Purchase . Re-mortgage . Buy to Let . Commercial . Lifetime
Should you be buying your first home or moving house, looking to re-mortgage for a new deal or purchasing a property to let - Catherine Etherington Financial Services Ltd is here to help. We provide a review service with advice tailored to you and your needs. From a comprehensive lender panel that is representative of the whole market, we will recommend the most suitable mortgage for you. We do all of the hard work, from searching our wide selection of lenders across the market for the most suitable mortgage, to completing your application and liaising with solicitors and lenders through to completion. We aim to deliver a first class service that helps take the pressure away from you and to make you feel safe in our hands.
A mortgage is a loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Protection
Life Cover . Critical illness . Income Protection . Family Income Benefit
How would you manage financially if a sudden illness, disability, or death occurred? In reality even if you are employed and get sick pay, your income will at some point reduce or even stop. Unfortunately your bills won't. You will still be expected to meet the repayments on your mortgage and if you can't, your home may be repossessed. Although the state may provide very basic support, state benefits are unlikely to give you anywhere near enough money to pay for your mortgage and other living costs. So it makes sense to consider some form insurance to protect your mortgage and your income. Renting? You still have a need to protect your income to ensure you can maintain your rental payments and bills! With access to a select panel of leading providers, we can help provide you with the peace of mind that comes with knowing you are protected should the worst happen with a bespoke, tailor made protection package to meet your needs and your budget. We have a duty of care and a professional responsibility to review your protection needs when you take out a mortgage.
Protection plans with no investment element will have no cash in value at any time. If premiums are not maintained then cover will lapse.
Conveyancing
We have access to a panel of conveyancers that we can refer you to who can help you with the legal process of your property Purchase or Re-mortgage. We will then liaise with them throughout the process to ensure everything runs smoothly.
Wills & Estate Planning
Wills . Lasting Powers of Attorney . Property Protection Trusts . Bloodline Protection Trusts
There are many reasons to make a Will, from simply making matters less stressful for your family and appointing guardians for minor children, to maximising tax efficiency or protection against residential care fees. No two client’s circumstances are the same so we will arrange an evaluation of your situation via our associate will writing specialist to recommend a solution that meets your needs. Our associate Will Writing Specialist is a member of the Society of Will Writers and the Society of Trust and Estate Practitioners (STEP).
Conveyancing, Wills, Commercial and Lifetime Mortgages are referred to a third party, neither Catherine Etherington Financial Services Ltd or Tenet Network are responsible for any of the advice you will receive from them.
To arrange a no obligation chat to see how we can help please do not hesitate to get in touch with us.