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Sunrise Capital Consultants Buying a property can be the biggest decision made in our lives. It is for this very reason that impartial mortgage advice is critical from qualified advisers. Quite often you hear 'it could never happen to me' or 'I'll sort it out later'. Well the old maxim of "failing to plan is planning to fail" is no better suited to the ignoring of crucial decisions on protection.

We can search through a range of policies to find the one that is the most suitable for you. So this year leave the shopping to us, as just one phone call could find the most appropriate cover and price for you. Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured on it. We specialise in providing you with quality, professional mortgage advice that you can trust.

Whatever your particular requirements, whether it be a mortgage, remortgage, buy to let, or accident, sickness or death, we can ensure that we find the most suitable solution for you. The information therein is used only to contact you to discuss the areas you've expressed an interest in.
Highlights

read more › We are dedicated to creating a meaningful, long-term relationship with you that is based on understanding, knowledge and commitment to progress. We are a company of action: proactive, professional and committed to creating long-term success and financial progression for you, our client. We understand that everyone's different, and that's why our mortgage planning approach is as individual as you. We know the financial side of life can be complex and that's why we work hard to get to know you and your aspirations through careful life planning and consultation.

read more › Buying a house is one of the most important purchases you will make, and buying a home for the first time will be an even more daunting prospect. Add to this the vast array of mortgage products available from a wide range of sources and you could be left with a high-stress, confusing decision. To help you with making the right decision we have put together 10 top tips for you. Ensure that you are realistic when working out exactly how much you can afford to spend on your new house. You should ensure the intended mortgage is affordable (by doing a budget calculation).

read more › Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured against it. When you remortgage, you are switching your mortgage to another deal, and frequently, another lender. Remortgages can be used for various reasons. However, most people simply switch mortgages because it will work out cheaper for them. For example, the introductory discounted interest rate may have finished with your current lender; therefore you could potentially get a new discount rate, or a lower APR, with another lender.

read more › Becoming a private landlord should not be seen as an easy way of making money. It can be riskier and more complicated. It can also be very time consuming, more than most forms of investment, and there is no guarantee that house prices will rise. That said, having a second property to let to tenants could reap considerable financial rewards over time. Rent Potential - the decision as to whether or not a mortgage will be offered is usually based on the rent you will earn as well as your income. In some cases your income is not ever considered.

read more › Right to buy schemes are designed to help council tenants currently renting to purchase their homes at a discounted rate. The amount of discount you will receive will depend on a number of factors including how long you have been a tenant, the type of property you rent and the current value of your home. You will need to check with your local authority with whom you currently rent to obtain the exact details of the right to buy discount you may be entitled to. Most lenders will allow you to borrow 100% of the discounted purchase price whilst others allow you to borrow extra money for any home improvements you may wish to carry out.

read more › So you have decided to move and want to know what options are available to you with regard to your existing mortgage and what you can and can't do with it. You may want to know how much extra you can borrow towards the next purchase or how much you would save by downsizing. This is a great time to come and see us as we will be able to provide you with the answers to all of this and more when it comes to planning your next house purchase. Why not give us a call and ask for a home movers review and we'll be happy to sit down and discuss the most suitable options for you and where and what you need to do next?

read more › Shared-ownership is a great way into home ownership and is the main affordable housing scheme. If you can't afford to buy outright, you can part buy part rent your home. You might buy a 25%, 50% or 75% share in your home. You pay a rent on the share that you don't buy normally set at an 'affordable' rate of, say, 2.75%. The bigger the share that you purchase, the less rent you have to pay. The shared ownership properties displayed at sharetobuy.com show you how the rent changes when you vary the size of the share (unless it's a resale in which case the share available is fixed).

read more › Family is important; that's why it's best to get expert advice to help protect what matters, when it matters! A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term. With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

read more › Family is important; that's why it's best to get expert advice to help protect what matters, when it matters! An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age). This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

read more › Family is important; that's why it's best to get expert advice to help protect what matters, when it matters! There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. A Mortgage Payment Protection plan is designed to ensure that you are able to continue to make your mortgage (and other related expenditure) payments in the event of accident, sickness or unemployment. It is often referred to as Accident, Sickness and Unemployment cover or ASU.

read more › Family is important; that's why it's best to get expert advice to help protect what matters, when it matters! As the name implies, this type of life assurance pays out when you die, whenever that may be. It is usually, but not always, a more expensive option than term assurance simply because the life assurance company knows that it will definitely pay out at some point. Many of these plans offer some form of investment content - however we will only recommend plans that have a guaranteed premium and that do not accrue any cash value except in respect of a successful claim.

read more › Family is important; that's why it's best to get expert advice to help protect what matters, when it matters! No one likes to think about dying but ensuring you have the most suitable life cover for your family is essential. Finding excuses for procrastinating is easy. Perhaps the kids all need to be somewhere now or there's a tight deadline at work that must be met or else! Think about what would happen if all of those important issues suddenly became not very important at all? We can assist you with finding the most appropriate Level Term Insurance for your individual requirements.

read more › If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages. You might be offered buildings insurance when you take out your mortgage, but you don't have to take what's on offer.

read more › It covers the loss of or damage to the contents of your home. This includes your furniture, electrical goods and other items within your home. Some policies cover you for items you take outside, for example cameras, jewellery and briefcases. Different policies offer different levels of cover but generally you'll be covered against theft and fire, and have the option to insure against damage you may cause by accident. It is always vital that you thoroughly read and understand the full policy terms and conditions.

read more › If you are in business you will need insurance; without it your livelihood is at risk. An unexpected loss could cause financial hardship and destroy years of hard work and by law, some types of insurance are compulsory. What types of insurance should I consider for a business? Insurances that protect against loss or damage caused to your business' property or trade by adverse events. Insurances that cover your business's legal liabilities in the event of some aspect of your business causing damage or harm to a third party or their property.

read more › If you need to buy something but do not have the cash to hand, it might be worth considering applying for a loan. The decision to take out a loan should never be made lightly, but with the right financial guidance and a responsible attitude to borrowing, a loan can provide a very useful addition to your household income. Loans can usually be used for any purpose, for example, towards school fees or to buy a car so let us work with you to get you the money you need now. Advice cannot be given and all cases will be referred to a master brokers within the Rosemount Financial Solutions (IFA) Ltd.

read more › If you need to buy something but do not have the cash to hand, it might be worth considering applying for a loan. Our brokers that we refer you to will tailor the solution to your needs to drive a better deal. It's all about treating customers fairly with choice and efficiency. With market conditions as they are it's imperative you seek advice. Dealing with just one lender or a small panel of lenders is clearly not best practice and not best advice. Advice cannot be given and all cases will be referred to a master brokers within the Rosemount Financial Solutions (IFA) Ltd.

read more › If you need to buy something but do not have the cash to hand, it might be worth considering applying for a loan. A secured home loan only applies to homeowners. Homeowners are able to borrow money against the equity in their home. We're able to source a wide range of secured loans to fit all circumstances which can be used for any purpose. If you are looking to consolidate your credit or to do some much needed home improvements then we may just be able to help and refer your case to a master broker within the Rosemount Financial Solutions (IFA) Ltd to ensure that you receive the secured loan which is right for you!

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