Chambers Associates are able to advise on mortgages from the whole of market. Graham Land is our Mortgage Adviser and his contact details are on the left.
We will research the marketplace for you, identifying your specific needs and guide you through the range of mortgages available to you and explain your options in detail.
We will provide guidance of what is involved in the mortgage process and the wide range of mortgage deals available for residential or Buy-to-Let, including:
Discounted and Tracker Rates
Fixed Rates and Capped Rates
We can complete all of the paperwork, negotiate your individual application and monitor its progress through the various stages of the application process.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
For mortgage advice we do not usually charge a fee because we receive commission from the lender. However, you could choose to receive the commission and pay us a fee instead, which would typically be 0.5% of the loan. So for a £100,000 mortgage, our fee would be £500.
Chambers Associates are able to advise on your protection needs as these will continually change throughout your lifetime. It is important to review your existing protection plans to ensure that they remain appropriate.
Whole of Life – Provides lump sum upon death
Level Term – Provides a lump sum upon death during a specified term
Decreasing Term – Provides a lump sum which reduces during a specified term. This type of cover is used mainly in conjunction for protecting a repayment mortgage.
This type of cover provides a lump sum if you contract a serious illness, suffer a debilitating affliction or become disabled. This cover can be arranged on a Whole of Life, Level Term or Decreasing Term and can incorporate life assurance.
This type of cover provides a regular income should you become incapacitated through sickness or accident. The period of benefit can extend to your normal retirement date.
Mortgage Payment Protection Insurance
This type of cover provides a regular monthly benefit if you become unemployed or unable to work due to sickness or accident. Benefits are usually arranged to cover mortgage payments and associated costs. The period of benefit payment is typically 12 months.
Long Term Care Insurance
This type of insurance is designed to cover the cost of long term nursing care for the sick or elderly - either in a Residential home or in their own home. The plan can be funded by regular premiums or a lump sum.
Group Income Protection, Group Life Cover & Group Critical Illness Cover
These types of cover can be arranged as multiple plans to provide employee benefits paid by employers who wish to offer additional benefits to attract and retain staff.
35 Radway Street
5 Silver Street
6 Pen Y Dre
If you have any queries or wish to make an appointment, please contact us:
Or use our contact form.