Professional Mortgage and Protection Advice
At Warren & Co, we take pride in giving professional mortgage and protection advice. We can offer you a wide range of mortgage and protection products to suit you and your personal circumstances.
With our tailored approach, we will be able to help you with new property purchases, remortgages, buy-to-let purchases, life cover, general insurance, income protection and critical illness cover.
If you’re a first-time buyer looking to get that all-important first step onto the property ladder, we can help. Whether you’ve got a small deposit or you think your mortgage application will be declined because of your income, there are options for you to consider.
We can help by exploring Help to Buy products, utilising small deposits, providing access to fee-free products as well as looking at ways to increase your affordability.
Help to Buy
At Warren & Co we are passionate about helping first-time buyers and home movers purchase their dream home, but we know it can be difficult.
That’s why we can help you secure a Help to Buy Equity Loan which only requires a 5% deposit that can be used on new build properties. Let us help you secure the deal that works for you and your individual circumstances allowing you to purchase the home of your dreams.
Self Employed Mortgages
If you’re self-employed and looking for a mortgage you might be frustrated that high street lenders continue to say no because of your complex income.
Here at Warren & Co, we have access to specialist lenders, can provide you with tailored support for your self-employed income and can open you up to options that you didn’t think were available.
Here at Warren & Co we have a dedicated advisor who specialises in all aspects of Shared Ownership including new build, resales, restricted properties and Staircasing.
What is shared ownership? Shared Ownership gives those who can’t afford to buy a home outright the opportunity to buy a share of it, this can be between 25%-75% of the home’s value. You will pay rent on the percentage of the property that you do not own.
The more you own, the lower your rental payments will be… And you don’t even have to be a first time buyer! To see if you are eligible you will need to register with your local Help to Buy agent or speak to our advisor for more information
No Tie In Mortgages
Are you wanting a fixed rate mortgage with no tie in?
Or are you wanting a tracker rate mortgage with no tie in?
Sometimes a fixed rate mortgage isn’t the right choice, and you may require more flexibility if you are looking to move or think you will pay large lump sums off your mortgage.
We can source the whole market and help you find a no tie in product with no early repayment charges.
Flexible Offset Mortgages
At Warren & Co we can help you make your savings work harder for you with a flexible offset mortgage
We can find a flexible mortgage that uses your savings to reduce your mortgage debt, save on tax and interest rate charges while still allowing you access to your savings whenever you need it.
Do you find it difficult juggling the family budget and need certainty with your monthly mortgage payments?
We can help you find a fixed-rate mortgage that is set for a period of time that is right for you, giving you the peace of mind knowing how much you’ll be repaying each month
If you’re a first-time buyer needing fixed payments or currently on your mortgage provider’s standard variable needing a fixed-rate mortgage, we’re passionate about helping you.
If you’re thinking about investing in property or letting out your current home, then we can be of assistance. At Warren & Co we can help and support you to find the right mortgage for your Buy-to-Let, whether that is as an individual or a limited company.
We have access to competative interest rates, great opportunities, and an even greater range of product for all your Buy-to-Let needs.
Equity release allows you to release some of the equity that you have built up in your home.
At Warren & Co we can help you secure a deal that works for you and your individual circumstances. Whether you wish to clear your debt, improve your home, take a holiday or for many other reasons. We can help you access the equity you have got stored in your homes.
We can help you protect the things that matter with our professional protection advice. Life insurance can help your loved ones cover the cost of your mortgage, household bills, child care and university fees if the worst were to happen to you. Would your loved ones be able to cope financially without you?
We can help protect your loved ones in case the worst were to ever happen.
Critical Illness Cover
At Warren & Co we can help protect you in case the unthinkable were to happen. Critical illness cover can provide you and your loved ones with financial support and peace of mind on diagnosis of becoming critically ill. We will be able to find you the deal that’s right for you and your individual circumstances.
If you’ve saved into a pension scheme during your working life, you need to decide what to do with the money you’ve saved towards your pension when you retire. Based on your individual circumstances there will be many questions around what to do next.
– What are my pension options?
– Should I use pension draw-down?
– Should I cash in my pension?
– Should I take lump sums?
As you move towards retirement, we can help and support you by developing and managing a tailor-made retirement plan. You will have the peace of mind that you have planned for your long term financial security.
Do you love your lifestyle and want to protect it from the unexpected? At Warren & Co we can help you do just that. Let us help you protect your income from illness, accident and injury and mental health issues because if you weren’t able
to work for a period of time, how would you and your loved ones manage?
Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products
designed to protect you against loss of income.