Securing access to quality healthcare is a fundamental aspect of financial planning, and third-party private medical insurance offers a pathway to peace of mind in uncertain times. At FutureBuild Finance, we recognise the importance of protecting your health and well-being through comprehensive coverage. Our team of expert financial advisers is dedicated to providing tailored guidance on third-party private medical insurance, ensuring that you and your loved ones have access to timely and high-quality medical care when needed.
Private medical insurance offers a range of benefits, including prompt access to specialist consultations, diagnostic tests, and treatment options, often with greater flexibility and choice than available through the NHS. This coverage can help alleviate the burden of lengthy waiting times for non-emergency procedures and ensure that you receive the care you need without delay. Additionally, private medical insurance can provide access to cutting-edge treatments and therapies that may not be readily available through public healthcare services.
When considering private medical insurance, it’s essential to evaluate your coverage needs based on factors such as your health status, budget, and preferences for healthcare providers and facilities. Our advisers will conduct a thorough assessment of your requirements to recommend a policy that offers the right level of coverage for your individual circumstances. With Future Build Finance, you can navigate the complexities of private medical insurance with confidence, knowing that you have expert guidance every step of the way.
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Mortgage lenders each have their own unique criteria when considering mortgage offers and loan amounts. Key factors include the desired loan amount, deposit size, employment status, income, credit score, monthly expenses, existing debts, age, mortgage term, credit history, and whether you’re applying individually or jointly. To secure approval, you must demonstrate your ability to repay the mortgage, typically assessed through your credit report. This comprehensive report covers various financial aspects like credit card usage, loans, overdrafts, mortgage history, utility payments, and accounts opened within the last six years. If you have a history of arrears, defaults, CCJs, debt management plans, or bankruptcy, specialized mortgage options are available, and we’re here to assist you in exploring them.
To secure a mortgage, it’s crucial to amass a deposit of at least 5%, although a larger sum often results in more favorable interest rates. For existing homeowners, leveraging property equity can serve as a viable means to bolster the deposit. Our seasoned mortgage advisors can elucidate the benefits and potential impact on monthly payments should you choose to increase your deposit. Once you’ve pinpointed your desired property, our advisors meticulously assess your unique needs and financial circumstances, recommending a tailored mortgage product. They sift through a plethora of mortgage quotes, including exclusive offerings not readily available through conventional channels or comparison platforms, ensuring you secure the most advantageous deal. Upon selecting a suitable mortgage product, an initial fee is incurred to procure your Agreement in Principle (AIP), furnishing an estimated borrowing amount from the lender and empowering you to proceed with an offer on your chosen property. If your offer is accepted, we facilitate the engagement of a solicitor to oversee searches, surveys, and contracts, streamlining the entire mortgage application process from inception to completion, and ensuring a seamless outcome. For those contemplating remortgaging, we recommend initiating the search for a new deal approximately three months prior to the expiration of your existing arrangement, affording ample time to evaluate available options and submit your application. Should your mortgage be approved ahead of schedule, rest assured we’ll synchronize the completion date with the expiration of your current deal, mitigating any undue stress.
Securing approval for a mortgage application relies on collaboration between you, your mortgage advisor, solicitor, and lender. At FutureBuild Finance, we streamline the entire process on your behalf, from initiation to completion. We facilitate seamless communication with your solicitor and lender, alleviating stress and hassle to ensure a successful outcome. Moreover, having all pertinent mortgage documentation readily available for your mortgage advisor expedites the process further.
Even with a history of bad credit, such as arrears, defaults, County Court Judgements (CCJs), debt management plans, or bankruptcy, there are still mortgage options accessible to you. However, your selection of mortgage lenders and types will be somewhat restricted, and you can anticipate higher interest rates compared to those with a favorable credit history. Fortunately, our adept mortgage advisors maintain regular communication with lenders specialising in adverse credit situations, enabling them to provide comprehensive guidance on all available options tailored to your circumstances.
