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Ichthus Financial Services 

0191 3051200 enquiry@ifs.uk.com

Mortgages

Whole of market and independent mortgage advice is provided in an unhurried way, without any sales-talk or jargon. (Your home may be repossessed if you do not keep up with repayments on your mortgage)

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Pensions & Investments

We no longer provide advice to new or existing clients but we do refer all enquiries to an appropriately qualified Quilter Financial Planning adviser.

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Mortgages

Not only do you need to consider which mortgage is most suitable for your current needs and circumstances, you also need to think about which interest rate options are most likely to suit your needs. This section has information on the various types of mortgage product which are available.

Most Buy to let mortgages are not regulated by the Financial Conduct Authority.

Equity Release will reduce the value of your estate and can affect your eligibility for means tested benefits.



Buy to Let Mortgages

Buy to Let Mortgages

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property but will let property to tenants.

First Time Buyers

First Time Buyers

People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.

Flexible Mortgages

Flexible Mortgages

A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over a fixed term, such as 25 years, look like a bit of a dinosaur. This short guide explains why a flexible arrangement may benefit you.

Offset Mortgages

Offset Mortgages

With an Offset Mortgage you can potentially reduce the amount of interest you pay by offsetting a credit balance against the mortgage debt. This article explains further.

Remortgages

Remortgages

Remortgaging means switching your mortgage to another deal with another lender without moving property.

Self Build Mortgages

Self Build Mortgages

The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount. This short guide explains further.

General Insurance

Whole of market insurance advice is provided to protect your home, or organisational assets and people.

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Personal Insurance

Whole of market advice is provided on protecting your lifestyle or your dependents, if you become too unwell to work, and protecting your beneficiaries if you die prematurely.

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