Welcome to IPFS
Helping your finances
bringing sense to your money
Your home may be repossessed if you do not keep up repayments on your mortgage
Getting a mortgage is one of the most important financial decisions you will take in your lifetime. There are many mortgage products to choose from and not all will suit your personal circumstances. IPFS provides expert mortgage advice from the whole of the market for everyone from first timers and remortgagers, to experienced buy to let landlords.
Our clients, like most of us, are busy people who do not have hours of time to give up to find the right mortgage for them. Not only that, but they do not have the time, or quite frankly the inclination, to spend hours on the phone to estate agents, solicitors, valuers and all the other parties involved.
Our ability to see the whole market, to cut through the fine print and explain the pros and cons of each product makes life easy. With the backing of one of the largest mortgage networks in the UK, we also have the priviledge of access to lenders and products that aren’t available to the general public or via the high street. Our contacts, our experience and our dogged determination makes it all happen, from initial mortgage advice to money in the bank.
When you arrange a mortgage through us it is not just about that mortgage. We like to think that you have entered a relationship that will last you a lifetime. We commit to finding the most suitable mortgage for you every time it comes to making a new purchase or remortgaging an existing property.
Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority do not regulate some buy to let mortgages.
At IPFS we pride ourselves not only on helping you to get the most suitable deal on your mortgage, but also on ensuring that you, your mortgage, other debts and your family are properly protected.
Our expert advisers will look at your circumstances and requirements and match the most suitable policy to you. We have access to some of the UK’s leading insurance companies meaning premiums on policies such as life insurance, critical illness cover, income protection and private medical insurance are competitive – providing protection against a multitude of unforeseen circumstances for you and your family at a price and level of cover that suits and we don’t charge any broker fees.
We are here to provide unparalleled piece of mind and have deliberately selected a choice panel of providers whose quality of cover, service and pricing meets our strict criteria. This is a market where the saying “you get what you pay for” has never been truer. The difference between providers in this field is vast. It is not merely the illnesses that a policy covers, it is also the definition of these illnesses that makes the difference of a claim being accepted. Our expert advisers know these details and will tailor a solution whether it is based on budget, quality of cover, or a combination of both.
We have access to highly competitive rates for the following schemes with providers who have excellent and proven payout records:
Key types of protection to consider:
Life Insurance (or Assurance)
Life Insurance (Assurance) pays out a tax free lump sum in the event of death during the term plan.
Critical Illness Cover (CIC)
Criticial Illness cover pays out a tax free lump sum in the event of being diagnosed with a pre defined qualifying illness during the term of the plan.
Life Insurance with Critical Illness Cover
A policy most commonly set up on a first event basis meaning the policy will pay out a tax free lump sum in the event of death or an earlier critical illness.
Permanent Health Insurance (PHI)
A policy also referred to as Income protection pays out a pre agreed amount on monthly basis if unable to work due to sickness during the plan term and will continue to pay until the sooner of you return to work (payments may be pro rata if return in less than full capacity) or the plan ceases at the end of the term.
Family Income Benefit
A policy which pays out a monthly income to provide for the family in the event of the policy holder being deceased and enables them to maintain the lifestyle they have been accustomed too.
A policy designed to cover or protect business in the event of death of a key person or to repay debts in the event of death leaving a business debt free.
Relevant life cover
A single stand alone life plan for an individual paid for by a company with tax advantages that will pay a lump sum in the event of the policy holders death. Premiums are not taxed as benefits in kind and premiums may be an allowable expense for the employer.
Whole of life cover
A policy that will payout a pre determined sum upon the policy holders death.
Private medical insurance
A policy that will pay for private medical treatment in accordance with the plan and benefit taken out.
It is important to protect yourself and your loved ones.
Insurance covers events that may or may not happen, such as accident, fire or theft. Taking out any insurance policy will compensate you following a loss so that you are, essentially, as well off as you were before the loss occurred.
At IPFS we have looked at the insurers who specialise in each of these fields, who offer the highest levels of cover no matter what your requirements, whose service in the event of a claim is speedy and trouble free and are price driven to ensure that you always get the most appropriate cover at the most competitive premium. These providers make up our select and exclusive panel.
Key types of coverage to consider:
Covers damage to the structure of your home, such as the roof, walls, floors, ceilings and foundations.
Protect your possessions for example, a stereo or iPod, clothes, curtains, carpets and furniture. The cover can be extended to include items away from the home.
Accident, sickness and unemployment insurance (ASU)
Pays a percentage of the mortgage payments if they are unable to work because of illness, accident or enforced redundancy. ASU is sometimes referred to as MPPI, or Mortgage Payment Protection. This Payment Protection Insurance is optional.
There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website
This can include – Buildings Cover, Contents Cover, Employers Liability Cover, Professional Indemnity Cover & Public liability Cover and even Vehicle Fleet Cover.
Importantly, you should always ensure that there is proper insurance in place from the moment you become responsible for the premises, even if this is before moving in.
These exclusions vary from policy to policy and between the various insurance companies. It is always worth checking the policy details so that you know the risks you are not insured against. IPFS’s skilled advisers will be able to manage this process in a swift and timely manner for you ensuring the cover is in place without impacting on your time and schedule.
This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.
When it comes to seeking commercial loan advice it is essential to have the right information at your fingertips, failure to do so can result in costly mistakes.
Here at IPFS despite the major changes experienced in the UK financial markets, we continue to deliver innovative funding solutions for our clients providing the skills and expertise to ensure a positive lending decision.
The reality of life is that the world is still turning and, contrary to popular belief, funding is still available for well supported and professionally presented cases which fit criteria.
The commercial market is a mass of opportunity covering wide generic areas through to niche and bespoke markets. We endeavour to assist you in every area of your business and our main and most common areas of expertise are:
- Commercial loans/Mortgages - by referral
- Development/Mezzanine finance - by referral
- Bridging finance - by referral
- Specialist BTL’s and HMO’s - by referral
- Lease finance - by referral
- Invoice discounting - by referral
- International lending - by referral
- Secured/Second charge lending - where advice is required in this area, a referral will be made - by referral
The unique relationships we have nurtured and developed with lenders across all commercial areas along with the reputation we have built for our own quality and integrity gives us a huge amount of scope and opportunity in which lenders have the ‘can do’ mentality in terms of trusting, placing and accepting our business for us and our clients.
Commercial mortgates are not regulated by the Financial Conduct Authority.
The Financial Conduct Authority do not regulate some buy to let mortgages.