Your home may be repossessed if you do not keep up repayments on your mortgage

Mortgages

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 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 of market, to cut through the fine print and explain the pros and cons of each product makes life easy. With the backing of Quilter Financial Planning, one of the largest networks in the UK, we also have the privilege of access to lenders and products that aren’t available to the general public or via the high street and wider market. Our contacts, our experience and our 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.

Protection

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 access to a leading panel of providers chosen specifically by Quilter Financial Planning whose quality of cover, service and pricing meets and mirrors the service and values we share. 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.

Business/Loan Protection
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

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. Based on these points, we offer products specifically and solely from Paymentshield for building and contents insurance who like us, believe that treating customers fairly is at the heart of everything they do.

Key types of coverage to consider:

Buildings insurance
Covers damage to the structure of your home, such as the roof, walls, floors, ceilings and foundations.

Contents insurance
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.

Commercial Insurance
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.

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