News

By clicking on the News links below you will be moving to a new site which is not regulated by the Financial Services Authority. We give no endorsement and accept no responsibility for the accuracy or content of any sites linked to this site.

Check out the latest business news...


  • VIDEO: India's Trans-Asian rail goes slow

    The Indian prime minister’s visit to China is not just focused on trade with each other – but also with the region and its transport links.

  • VIDEO: Taiwan's worst drought in 67 years

    Taiwan is facing its worst drought in 67 years, with the island reservoirs at dangerously low levels – water is rationed and power could be next.

  • Asia shares mostly higher on US lead

    Asian shares are mostly higher on Friday taking a positive lead from Wall Street after inflation data cooled expectations of a rate rise.

  • Candy Crush maker shares plunge 14%

    Shares of the maker of popular mobile game Candy Crush fall as much as over 14% in after hours trading after it warned of weaker profits.

  • China to invest $50bn in Brazil

    China is planning to invest up to $50bn (£32bn) in Brazil for new infrastructure projects – including a new Pacific-Atlantic railway link.


What a great year for Charles Derby Consultancy

2013 has been a great year for Charles Derby Consultancy.

At the Charles Derby Christmas party in December 2013 Charles Derby Consultancy won the following rewards.

• 1st Place – 2013 Top Overall Adviser

• 1st Place – 2013 Top Protection Adviser

• 2nd Place 2013 – Top Mortgage Adviser

• 2nd Place 2013 – Top Insurance Adviser

Well done Tina Garbutt and the team at Charles Derby Consulancy.

Posted in News | Comments Off on What a great year for Charles Derby Consultancy

Is your income protected? It should be!

There is a higher chance than you might think of being off work sick.

Each year up to ONE MILLION workers become ill or disabled and half are still disabled a year later*

Working for Health (March, 2010), report that if you’ve been off work sick for six months, you have an 80 per cent chance of being off work for 5 years1

To make matters worse support from the government, in the form of the Employment and Support Allowance (ESA), currently stands at just £100.15 per week (as of June 2013).

And only 22% of claims get paid!

So what’s the answer?

There are some top quality income protection policies out there that will pay out if you are too ill to work.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

1Source: Working for Health, March 2010. For more information please see: http://www.dwp.gov.uk/health-work-and-well-being/
* The Guardian / Unum Survey 2011

Posted in News | Comments Off on Is your income protected? It should be!

MAKE THE MOST OF THE LONG WINTER NIGHTS………………………..

WHY NOT MAKE THE MOST OF THE LONG WINTER NIGHTS BY REVIEWING YOUR FINANCIAL POLICIES TO ENSURE YOU AND YOUR FAMILY ARE IN THE BEST POSITION NOW AND IN THE FUTURE.

DO YOU HAVE ENOUGH LIFE INSURANCE AND INSURANCE POLICIES IN PLACE?

DO YOU HAVE THE CORRECT AMOUNT OF COVER? IS IT STILL THE BEST FOR YOUR NEEDS?

ARE YOU ON THE BEST THE BEST MORTGAGE DEAL AND TERM?

HAVE YOU HAD YOUR PENSION POLICIES REVIEWED RECENTLY?

IS YOU WILL UP TO DATE?

If you have answered “No” to any of the above – or are not sure of the answer – you would benefit from a Free no obligation consultation.

Please give Tina or Nicola a call today and we can either come out and review your policies with you – or carry out an initial review over the telephone.

The value of the investment can go down as well as up and you may not get back as much as you put in.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Will Writing is not part of the Intrinsic offering and is offered in our own right. Intrinsic Financial Services accept no responsibility for this aspect of our business. Will Writing is not regulated by the Financial Conduct Authority.

Posted in News | Comments Off on MAKE THE MOST OF THE LONG WINTER NIGHTS………………………..

Have you got the right protection?

No one likes to think about getting ill and not being able to work But a little bit of planning now could make things a lot easier later on.

Income Protection Cover pays you a monthly income if you become ill, injured or disabled and can’t work. Policies like this should give you the peace of mind that you and your family are protected from the financial impact of losing your income.

Even when we see other people go through difficult times, it’s easy to avoid thinking about how we’d cope in the same situation. But the reality is that six out of ten of us wouldn’t be able to survive financially if we couldn’t work due to injury or illness.

It is vital though to get the right Income Protection. For example, a lot of policies will stop paying you an income as soon as you’re ready to do any sort of work. That means you could end up doing a job you don’t want to do, or end up without an income. Plus, a lot of insurers don’t verify your salary when you take out cover. That means that, if your salary drops, the income they’ll pay you may drop too. So you might not get the cover you paid for.

We ensure you get the right protection -the right quality and the right price

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Posted in News | Comments Off on Have you got the right protection?

Could you live off just £100.15* per week?

That’s the benefit you would receive from the Government if you fall ill and lose your income.

The need to protect your income is becoming greater as we enter an age of Government spending cuts and a restructure of the benefits system. Did you know that 2.2 million people of working age will be off work for at least six months at any one time through sickness and disability. How would you and your family cope if this happened to you?

The great news is that an income protection plan can be affordable and will pay out when you need it most.

Knowing that your income protection insurance will help you pay your bills and look after your family gives you peace of mind and lets you concentrate on your recovery.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

* Department for Work and Pensions (DWP) July 2013: based on Employment and Support Allowance £100.15 per week for those in the Work Related Activity Group. Alternative benefits such as Incapacity Benefit and Statutory Sick Pay apply in some cases. For Full details refer to the DWP.

Posted in News | Comments Off on Could you live off just £100.15* per week?

Critical Illness Cover

Have you chosen the right cover to help ease your financial pressures?

You really need to find the right peace of mind when faced with the difficulty of dealing with a critical illness. Critical illness cover is a long-term insurance policy designed to pay you a tax-free lump sum on the diagnosis of certain life-threatening or debilitating (but not necessarily fatal) conditions, such as a heart attack, stroke, certain types/stages of cancer and multiple sclerosis. A more comprehensive policy will cover many more serious conditions, including loss of sight, permanent loss of hearing and a total and permanent disability that stops you from working. Some policies also provide cover against the loss of limbs.

Protection when you may need it most

It’s almost impossible to predict certain events that may occur within our lives, so taking out critical illness cover for you and your family, or if you run a business or company, offers protection when you may need it more than anything else. But not all conditions are necessarily covered, which is why you should always obtain professional advice. In May 2003, insurers adopted new rules set by the Association of British Insurers that tightened the conditions under which you could claim on critical illness insurance policies.

If you are single with no dependants, critical illness cover can be used to pay off your mortgage, which means that you would have fewer bills or a lump sum to use if you became very unwell. And if you are part of a couple, it can provide much-needed financial support at a time of emotional stress.

Illnesses covered

The illnesses covered are specified in the policy along with any exclusions and limitations, which may differ between insurers. Critical illness policies usually only pay out once, so are not a replacement for income. Some policies offer combined life and critical illness cover. These pay out if you are diagnosed with a critical illness, or you die, whichever happens first.

If you already have an existing critical illness policy, you might find that by replacing a policy you would lose some of the benefits if you have developed any illnesses since you took out the first policy. It is important to seek professional advice before considering replacing or switching your policy, as pre-existing conditions may not be covered under a new policy.

Lifestyle changes

Some policies allow you to increase your cover, particularly after lifestyle changes such as marriage, moving home or having children. If you cannot increase the cover under your existing policy, you could consider taking out a new policy just to ‘top up’ your existing cover. A policy will provide cover only for conditions defined in the policy document. For a condition to be covered, your condition must meet the policy definition exactly. This can mean that some conditions, such as some forms of cancer, won’t be covered if deemed insufficiently severe.

Similarly, some conditions will not be covered if you suffer from them after reaching a certain age, for example, many policies will not cover Alzheimer’s disease if diagnosed after the age of 60.

Survival period

Very few policies will pay out as soon as you receive diagnosis of any of the conditions listed in the policy and most pay out only after a ‘survival period’, which is typically 28 days. This means that if you die within 28 days of meeting the definition of the critical illness given in the policy, the cover would not pay out.

How much you pay for critical illness cover will depend on a range of factors including what sort of policy you have chosen, your age, the amount you want the policy to pay out and whether or not you smoke.

Permanent, total disability is usually included in the policy. Some insurers define ‘permanent total disability’ as being unable to work as you normally would as a result of sickness, while others see it as being unable to independently perform three or more ‘Activities of Daily Living’ as a result of sickness or accident.

Activities of daily living include:

• Bathing
• Dressing and undressing
• Eating
• Transferring from bed to chair and back again

The good news is that medical advances mean more people than ever are surviving conditions that might have killed earlier generations. Critical illness cover can provide cash to allow you to pursue a less stressful lifestyle while you recover from illness, or you can use it for any other purpose. Don’t leave it to chance – make sure you’re fully covered.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Posted in News | Comments Off on Critical Illness Cover

Life Assurance

Have you provided a financial safety net for your loved ones?

Bad news can impact on any one of us at any time, in the form of an illness, or sudden death. We don’t like to think about it, but we do have to plan for it. So having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to premature death or illness. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship.

Professional advice

Obtaining professional advice is essential to making an informed decision about the most suitable sum assured, premium, terms and payment provisions. We work with our clients to create tailored protection strategies that meet their financial goals and needs and we’re committed to ensuring that our clients enjoy the best financial planning service available.
Whether you’re looking to provide a financial safety net for your loved ones, moving house or a first time buyer looking to arrange your mortgage life insurance – or simply wanting to add some cover to what you’ve already got – you’ll want to make sure you choose the right type of cover. That’s why obtaining the right advice and knowing which products to choose – including the most suitable sum assured, premium, terms and payment provisions – is essential.

Under-insured

Life assurance helps your dependants to cope financially in the event of your premature death. When you take out life assurance, you set the amount you want the policy to pay out should you die – this is called the ‘sum assured’. Even if you consider that currently you have sufficient life assurance, you’ll probably need more later on if your circumstances change. If you don’t update your policy as key events happen throughout your life, you may risk being seriously under-insured.

Stages in your life

As you reach different stages in your life, the need for protection will inevitably change. These are typical events when you should review your life assurance requirements:
• Buying your first home with a partner
• Having other debts and dependants
• Getting married or entering into a civil partnership
• Starting a family
• Becoming a stay-at-home parent
• Having more children
• Moving to a bigger property
• Salary increases
• Changing your job
• Reaching retirement
• Relying on someone else to support you
• Personal guarantee for business loans

Financial support

However, if you want to prevent your family from being financially disadvantaged by your premature death and provide enough financial support to maintain their current lifestyle, there are a few more variables you should consider.

• What are your family expenses and how would they change if you died?
• How much would the family expenditure increase on requirements such as childcare if you were to die?
• How much would your family income drop if you were to die?
• How much cover do you receive from your employer or company pension scheme and for how long?
• What existing policies do you have already and how far do they go to meeting your needs?
• How long would your existing savings last?
• What state benefits are there that could provide extra support to meet your family’s needs?
• How would the return of inflation to the economy affect the amount of your cover over time?

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Posted in News | Comments Off on Life Assurance

Making time for money

Time seems to fly these days. There never seem to be enough hours in the day for all the things we have to do! And it’s often easy to forget all the little things that happen, which make life worth living, such as watching a sports match or having a family day out for example.

And when we’re busy, some things never quite get to the top of the ‘to do’ list, until they become urgent. That’s why we are writing to you.

Financial planning is not normally high on the list of family priorities. But it’s best done sooner rather than later – for example, life and health insurance is often easier (and cheaper) to buy, the younger and healthier you are and any savings you make have longer to grow before you reap the rewards.

So we’d like to help you by conducting a review of your finances. Our Financial Advisers are well qualified experts who can talk to you about how you can protect your family and your home if you were to, for example:

• fall critically ill or die
• be unable to work due to a long-term illness or disability; or
• become unemployed.

Because we are part of the network Intrinsic we can look at a wide variety of financial products, to help us find the ones that may be useful for you. At the same time, we can make sure that your savings are working as hard for you as they should be.

Knowing that your finances are in good order, means you can concentrate on the day-to-day family plans.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Posted in News | Comments Off on Making time for money

The adventure begins!

Congratulations on taking the first step towards buying a home together. It’s a wonderful feeling on completion day, when you hold the keys for the first time.

But there’s plenty to do before you get there. These days, the mortgage deals on offer change all the time, so it’s well worth taking expert advice as to which type of mortgage will suit you best.

It’s easy to assume that the deposit and mortgage are the only money aspects to think about as they are such an important part of buying a home. However, once we become property owners, we also have other responsibilities that shouldn’t be forgotten – insurance and bill paying, spring to mind.

Unfortunately, a long-term illness, an accident or disability could make it hard to meet the mortgage and other regular bill payments. An employer’s sick pay is rarely indefinite and State Benefits are unlikely to meet your needs. For example, current basic level is £86.70 a week for up to 28 weeks (source www.direct.gov.uk May 2013).

Our financial advisers are qualified experts who can help with advice on more than just the mortgage. They can talk to you about how you can both protect your incomes if you were to:

• fall critically ill
• be unable to work due to a long-term illness or disability
• become unemployed

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of £395 is payable on application.

Posted in News | Comments Off on The adventure begins!

A moving experience

Congratulations on deciding to buy a new home. No doubt you have already started on the long list of everything you need to do, to make your move go smoothly!

Probably high on the list is sorting out the mortgage. These days, the mortgage deals on offer change all the time and so it’s well worth taking expert advice as to which type of mortgage will suit you best. We will be delighted to help you.

And we can do more than just find you the right mortgage. We can also help you with your protection needs, as these may be changing at the same time.

Our Financial Advisers are qualified experts who can help you protect your income and your home if you were to, for example:

• fall critically ill
• be unable to work due to a long-term illness or disability; or
• become unemployed.

We can also help you make the most of any existing cover.

If you already have a life insurance or critical illness policy, it may include an option, which allows you to increase your cover when you move house, without having to give any further medical information. There are limits as to how much cover you can increase this way and when you can do so – you will find these in your policy document or please call us to find out more.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of £395 is payable on application.

Posted in News | Comments Off on A moving experience

Great Residential rate!

This week’s great Residential Mortgage rate available is:

3.99% which is available on a 95% Loan to value

• No Lenders Arrangement fee
• £265 Valuation fee
• Fixed for 3 years
We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 04/07/13. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of £395 is payable on application.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Posted in News | Comments Off on Great Residential rate!

Critical Illness Cover vs. Income Protection

In the event of suffering an accident or illness where you are unable to work, either temporarily or permanently, it is essential that you have financial stability so that you are able to maintain your lifestyle. Unless you have substantial savings, you may start to struggle to keep up with your monthly expenses. There are two different insurances designed for this purpose.

• From £5 a month
• Up to 161 different conditions
• Optional critical illness cover for children
• Free benefits including Best Doctors and Bupa Healthline
• Partial payments to suit the less serious illnesses

Critical Illness cover

This cover starts from as little as £5 a month! It provides a lump sum payout if you were to become critically ill with any one of the conditions covered, as specified by each provider.

We can provide you with cover for up to 161 different conditions, and with illnesses such as cancer becoming increasingly more common, good health is not always guaranteed. The recovery process can be long and laborious and having the right protection in place can remove financial strain so you can focus on getting better.

Income protection

Income protection works by paying you a percentage of your income, if you suffer an accident or sickness and are unable to work. This allows you to maintain your standard of living, meaning you can continue to meet your living costs. Budget income protection is also available if keeping costs low is essential.

You can also choose from 1, 2, 3, 6 or 12 month deferred periods, to suit your current sick-pay arrangements.

If you would like more information, please do not hesitate to contact me. I am available to contact on 01603 901520, or alternatively you can email me on stephanie@charlesderbyconsultancy.com

I look forward to hearing from you.

Stephanie Whittam

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Posted in News | Comments Off on Critical Illness Cover vs. Income Protection

Mortgage Advisers. Why and how should I chose a Mortgage Adviser?

Here at Charles Derby our perspective on Mortgage Advisers is that clients need to be looked after properly. They need to be listened to, great care taken from the start, right through to mortgage offer and to feel that at any stage they can pick up the phone and speak to a human being (ideally the person who advised them on their mortgage).

At Charles Derby, our clients deal with the Mortgage Adviser who advised on their mortgage and at any time throughout the process and indeed anytime thereafter we want to be available to answer any questions our clients may have. We also have a dedicated person to deal with the processing of the application of the mortgage, again so that you have personal contact with that person and you can be assured that they know all about your application. This ensures that you have knowledge of where your application is at any given time in the process. We chase our cases on a daily basis and update our clients regularly, either via telephone, email or mobile (whichever is their preferred method). We believe service is sacred, it is at the heart of our business

Purchasing a property, re-mortgaging, buying a property to let out, all of these are definitely going to be among the most important purchases that a client makes. Why would anyone want to leave it to chance, we are used to dealing with the lenders and ensuring that the applications are submitted to them correctly, we ensure that we have all the information required to process the case, we check and double check everything. We want the clients to be happy, we want the lenders to be happy. End result our clients get the mortgage offer they want to purchase their homes!

When choosing a mortgage, why would you only want to be able to have just a few choices, here at Charles Derby we are ‘whole of market’. We will advise you on what deposit to put down and if you know how much deposit you want, what are the best products based on your exact criteria. Do you want a fixed rate? Offset? Tracker? We explain the jargon and ensure that it is understandable. We explain the process to you

We discuss with our clients about protection and the reasons for having protection to protect the mortgage. What if your income was to go down? What if you were to become critically ill or seriously ill? What if you were to lose your job? What if you were to die? We make you aware and can advise on products to ensure you cover this side of things

We really care. If you want good old fashioned service, then please give me a call on 01603 901518 or email me on tina@charlesderbyconsultancy.com

Tina Garbutt

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
A fee of £395 is payable on application

Posted in News | Comments Off on Mortgage Advisers. Why and how should I chose a Mortgage Adviser?

Great Buy-to-Let rate!

This week’s great Buy-to-Let Mortgage rate available is:

2.99% which is available on a 75% Loan to value

• Only £150 booking fee made payable to Paragon Mortgages
• 3% lenders arrangement fee (which can be added to the loan)
• Free Valuation

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances and protection to cover the mortgage, we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 10/06/13. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
A fee of £395 is payable on application

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

Posted in News | Comments Off on Great Buy-to-Let rate!

Best Buy-to-Let rate!

This week’s best Buy-to-Let Mortgage rate available is:

4.09% which is available on a 75% Loan to value

• No Lenders Arrangement Fee
• Fixed for 3 years
• £500 cash back on completion
• Only £195 booking fee

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 13/05/13. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
A fee of £395 is payable on application.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

Posted in News | Comments Off on Best Buy-to-Let rate!

Best Residential Mortgage rate!

This week’s best Residential Mortgage rate available is:

2.89% which is available on a 75% Loan to value

• Only £99 upfront fee’s payable to Principality
• Free Valuation fee
• No Lender Arrangement Fee

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 16/05/13. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of £395 is payable on application.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

Posted in News | Comments Off on Best Residential Mortgage rate!

FOR ALL FIRST TIME BUYERS – STAMP DUTY OFFER!

100% of stamp duty paid for First Time Buyers if the purchase price of the property is between £125,001 and £250,000

Charles Derby Consultancy is a whole of market mortgage brokers and has access to Halifax’s limited time period Stamp Duty Offer.

According to Council Mortgage Lending (CML) figures, first-time buyers accounted for 40 per cent of all property purchases in 2012 and 90% of these were first-time buyers.

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of £395 is payable on application.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

Posted in News | Comments Off on FOR ALL FIRST TIME BUYERS – STAMP DUTY OFFER!

Best Residential Mortgage rate!

This week’s best Residential Mortgage rate available is:

3.64% which is available on an 85% Loan to value

• Only £130 upfront fee’s payable to Accord
• Free Valuation fee
• £345 lenders arrangement fee (which can be added to the loan)

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 08/05/13. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
A fee of £395 is payable on application.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

Posted in News | Comments Off on Best Residential Mortgage rate!

Best Buy-to-Let rate!

This week’s best Buy-to-Let Mortgage rate available is:

4.99% which is available on an 85% Loan to value

• Only £525 upfront fee’s payable to Kent Reliance
• 2.5% lenders arrangement fee (which can be added to the loan)

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 08/05/13. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Conduct Authority.
A fee of £395 is payable on application.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

I look forward to hearing from you soon.

Tina Garbutt

Posted in News | Comments Off on Best Buy-to-Let rate!

Protect your mortgage and lifestyle.

As your adviser, part of my ongoing responsibility is to keep in touch and review your financial situation in case your circumstances have changed.

Nobody likes to think about not having an income, but it’s important to protect yourself in case it ever happened, or you could risk losing your home or your standard of living in the future.

Income Protection aims to provide you with a regular monthly income, to help replace some of your lost income, and help you cope financially if you are unable to work due to accident, sickness and in some cases unemployment. We can provide a policy to cover all three. This can offer you peace of mind from the financial consequences of being unable to work.

Do you need protection?

Take a moment to think if you had to stop work because you were sick or unemployed.

How much would you need to pay for your mortgage and the cost of living each month?
How long could you live on your savings?
What would happen when your savings ran out?
Would the benefit system cover all your bills?

Being out of work is stressful enough and, if it happens, it’s important to be able to focus on getting well or finding another job.

I can help you to protect yourself against the financial consequences of being out of work due to illness or redundancy. And it’s probably quicker, simpler and more affordable than you might expect.

It’s easy to put off getting protection. But the reality is that by doing so, you could be gambling with your home and lifestyle if the unexpected happens. The right protection can provide peace of mind that you can cope financially, no matter what life throws at you.

Of course I will only recommend cover that is right for you and I am also happy to discuss any other financial concerns you may have.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk

Please do not hesitate to contact me at tina@charlesderbyconsultancy.com or on 01603 901518.

I look forward to hearing from you.

Posted in News | Comments Off on Protect your mortgage and lifestyle.

85% Buy-to-Let Mortgages back on the market! What a great time to invest!

Thinking of Purchasing or Re-Mortgaging your Buy-to-Let Properties??

I wanted to make you all aware that Kent Reliance currently has a rate of 4.89% which is available on an 85% loan to value.

• Only £255 upfront fee’s payable to Kent Reliance (valuation and administration fee)
• 2.5% lenders arrangement fee (which can be added to the loan)
• Houses in Multiple Occupation are acceptable (students and professionals)
• Limited Companies are acceptable
• £25,000 minimum income required

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

This information is correct as at 11/03/2013. Please note that if you are reading this after this date, it is possible this rate no longer applies.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Services Authority.
A fee of £395 is payable on receipt from the lender of an acceptance in principle.

Call me for more information on 01603 901518 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

Posted in News | Comments Off on 85% Buy-to-Let Mortgages back on the market! What a great time to invest!

Should Landlords protect their Buy to Let Properties with Life Insurance?

As a Mortgage and Protection advisor my answer would be a very loud YES

I had a lady who came to my offices who wished that her departed husband had covered his properties. This client has inherited 15 properties in London. The majority of the properties have gone down in value significantly and therefore she is unable to refinance them to raise any equity. She has also had some rental voids.

My client does not wish to be in the Buy to Let market, therefore she would like to sell these properties, the problem is that she is unable to unless she can find some money to make up the shortfall to the lenders when she sells the properties and as the properties are worth less than when she bought them she is unable to do this, she also does not have any savings!

If her departed husband had invested in life cover to protect the properties he owned she would not be in the position she is and she would have been either able to pay off the debt of the buy to let mortgaged properties in full and continue to rent out, pay off some of the debt and still rent out, or indeed if she wanted to sell the properties, as they were in negative equity, she could sell them and with the life cover would be able to pay off the shortfall. Either way it would have put her in a very good position.

Not all clients will be in the same boat, if you inherit properties or you have current properties which do not have life cover, please do not hesitate to give me a call and I will give you the help and advice you need to protect these.

REMEMBER you are able to put the monthly premiums through your property account along with the costs of the Mortgage and even Buildings and Contents Insurance.

If you would like some help and advice on how to increase your property portfolio or to protect your properties please contact me on 01603 901520 or email me on tina@charlesderbyconsultancy.com

Posted in News | Comments Off on Should Landlords protect their Buy to Let Properties with Life Insurance?

Get something back from your protection plan – even if you never claim

PruProtect wants you to be fit and healthy. That’s why their cover offers you the opportunity to upgrade to Vitality Plus and get 50% discount off your monthly Virgin Active gym membership plus FREE Joining Fee:

• Money off things that are good for you – like 50% off health screenings and over 75% off programmes to help you stop smoking.

• The opportunity to reduce your protection premiums throughout the term of your policy, with Premium Saver, and Premium Discounts*

Plus Upgrade to Vitality Plus and get discounts on holidays, 50% off mobile phone contracts, 30% off ticketmaster and days out. You’ll even get a free cinema ticket every week.

*Premium Discounts is not available on our PruProtect Essentials Plan.

As your trusted Financial Adviser, I’m keen to help you find the most suitable solutions for your own Protection needs.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

Posted in News | Comments Off on Get something back from your protection plan – even if you never claim

A fantastic year for Charles Derby Consultancy

2012 has been a fantastic year for Charles Derby Consultancy, we hope you can say the same.

At the Charles Derby Christmas party in December 2012 Charles Derby Consultancy received the following rewards.

1st OUTSTANDING ACHIEVEMENT 2012 – MORTGAGE ADVICE CATEGORY

2nd OUTSTANDING ACHIEVEMENT 2012 – OVERALL ADVICE CATEGORY

2nd OUTSTANDING ACHIEVEMENT 2012 – PROTECTION ADVICE CATEGORY

3rd OUTSTANDING ACHIEVEMENT 2012 – QUALITY ADVICE CATEGORY


We would like to wish you all a fantastic 2013.

Many thanks.

Charles Derby Consultancy Team.

Posted in News | Comments Off on A fantastic year for Charles Derby Consultancy


Warmest thoughts and best wishes for a wonderful Christmas and a very Happy New Year from all the Team At Charles Derby Consultancy.

Posted in News | Comments Off on

The Royal Norfolk Show

Charles Derby Consultancy attended The Royal Norfolk Show at the Norfolk Showground on the 27th & 28th June 2012.

Our stand was in the All About Buisness section, stand 139 which was in the Sixth Drive which was right next to the Grand Ring.

We would like to thank everyone who came to our stand and entered into our completion to win a Free bottle of Champagne.

We plan to attend the show again next year so we hope to see you all again.

Many thanks

Charles Derby Consultancy team.

Posted in News | Comments Off on The Royal Norfolk Show

Protect your families future – Tina Garbutt – June 2012

We all recognise the importance of insuring our home, our car – even our pets. But many people fail to do the same when it comes to protecting themselves, and their family.

For instance, how would you cope financially if you suffered a serious illness or injury, and couldn’t work? Have you considered whether your family could meet its financial responsibilities if you or your partner / wife / husband were to die?

I believe protecting against these risks is one of the most important things you can do for your family. Undertaking a regular financial review can help identify whether your current arrangements still meet your needs, or if any changes need to be made.

Insurance premiums set to increase
There is another good reason why now is a great time to review your protection needs.

At the end of this year, new legislation will require insurance companies to ignore an individual’s gender when calculating premiums. This is expected to result in price rises for men and women, depending on the type of life cover.

On top of this, the pricing changes may lead to a rush of applications towards the end of this year, which may mean some people miss out – another good reason to take action now.

Act now to ensure you are financially protected
To ensure you and your family are financially protected, and to beat any potential price changes, I recommend we review your financial protection needs at the earliest opportunity.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520

Posted in News | Comments Off on Protect your families future – Tina Garbutt – June 2012

Are you protecting your most important business assets?

You probably have at least one key individual in place within your business. A recent survey suggests this is true for 95% of businesses in the UK.

That person may offer specific expertise, or may be key to driving performance, innovation or profitability. That person might even be you.

But have you thought about what would happen to the business if that key individual were to die, or become critically ill?

Protecting your most important asset
You probably already protect your material assets, like premises, vehicles and equipment. Surely it makes sense to also protect the company’s most important assets: its people.

The financial consequences of losing a key individual could be huge – but there are policies you can put in place to help minimise the effects.

How I can help
We work with businesses like yours, offering advice on how best to protect from the financial impact of unforeseen events.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

*Source: Legal & General Business Protection Research 2011

Posted in News | Comments Off on Are you protecting your most important business assets?

Fix your mortgage now and beat the rate rise.

After more than two years of the lowest interest rates in history, many of us are enjoying a period of low mortgage payments. But, with a rise in the Bank of England Base Rate expected in the coming months, this is unlikely to continue for much longer.

It’s important to regularly review your mortgage, as it can make sense to transfer your mortgage to a new deal – or even a different lender. Your decision to transfer will depend on your individual circumstances, and your current deal. No one knows for certain when a rate rise will come, but when it does, lenders will be quick to increase their interest rates, and fixed rate deals will also become more expensive.

Fixed rate mortgages are useful if budgeting is important to you. It can be tempting to try and second-guess the market and fix at the last moment. Unfortunately this can be a dangerous game to play, as lenders tend to be several steps ahead. That means now is the right time to fix your mortgage.

How we can help

As a member of Intrinsic, I have access to a panel of lenders representative of the whole market. That means I can source a vast range of mortgages from a host of lenders including ING Direct, Woolwich, Abbey, Nationwide and many more. I also have access to some exclusive deals.

Call me for more information on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Fix your mortgage now and beat the rate rise.

Offset Mortgage blog – Tina Garbutt – April 2012

Do you know someone who would like to reduce their monthly mortgage payment or term of their mortgage?

These types of mortgages are called Offset Mortgages, and are perfect for the following people;

They allow any savings that are put away on a regular basis i.e saving for a tax bill, to work efficiently for them throughout the year and either reduce their monthly mortgage payments or term of their mortgage.

If you are saving for something special, you can offset it against the mortgage and take it back out anytime! You can make optional mortgage overpayments, pay a salary into what is called a linked account and offset this against your mortgage from the day it is received, all allowing the same outcome reduced monthly mortgage payments or reduce the term of your mortgage.

People find this type of mortgage complex, it can be, but we can help make it very simple.

If you are one of these people above please call Charles Derby Consultancy for a no obligation quotation on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Offset Mortgage blog – Tina Garbutt – April 2012

Family Protection / Income Protection – Tina Garbutt – March 2012

Did you know that if a dad was to become critically ill or die, it could cost over £21,306 a year to pay someone else to take on his household tasks?*.

The income you can provide for your family is very important, but the contribution you make at home is often underestimated. In fact, research suggests that the average Dad spends 50 hours a week caring for his family**.

If you were to become critically ill, or die, the last thing you’d want to leave behind is financial hardship for your family. But if that were to happen, they may end up having to pay someone to take on some of your everyday tasks – if they could afford to do so.

Putting adequate Life and Protection cover in place now could help ensure your family’s lifestyle is maintained in the future.

How I can help

As a qualified professional Financial Adviser, I’m experienced in helping clients find the most suitable solutions for their own Protection needs. And, as a member of Intrinsic, you can be assured of a high quality service both now and in the future.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520

*Legal & General – Value of a parent research 2011
**Legal & General – Value of a parent research 2011

Posted in News | Comments Off on Family Protection / Income Protection – Tina Garbutt – March 2012

Lenders announce shock increase in mortgage costs.

After three years of the lowest interest rates in history, many of us are enjoying a period of low mortgage payments.

But for Halifax & Royal Bank of Scotland customers that will change shortly following recent announcements that these lenders are increasing their Standard Variable Rates (SVR’s). They are not alone. Many other lenders have already increased their SVR’s and it seems likely that many others will follow, even though the Bank of England Base Rate is predicted to stay at 0.5% for some time to come.

It’s important to regularly review your mortgage, as it can make sense to transfer to a new deal – or even a different lender. Your decision to transfer will depend on your individual circumstances, and the current rate you are paying.

No one knows whether and precisely when specific lender SVR’s will change or when the Bank of England Base Rate will move, but with on-going uncertainty in the economic environment, it is quite possible that lender funding costs will rise and that they could take the opportunity to increase mortgage rates further.

How I can help

As a member of Intrinsic, I have access to a panel of lenders representative of the whole market. That means I can source a vast range of mortgages from a host of lenders including ING Direct, Woolwich, Abbey, Nationwide and many more. Some of the deals I have access to are on an exclusive basis, and aren’t available anywhere else.

If you would like to discuss whether now is the right time to switch your mortgage deal, or if you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages and Commercial Mortgages are not regulated by the Financial Services Authority.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Lenders announce shock increase in mortgage costs.

Family Protection / Income Protection Blog – Tina Garbutt – March 2012

Did you know the average Mum spends 71 hours a week caring for her family? If a Mum was to be paid for this work her yearly salary would need to be £30,032*.

As a parent you want to provide the best environment for your children – both now and in the future. We all know raising a child can be expensive: the average cost of raising a child from birth to the age of 21 is now estimated to be £210,000**.

The income a parent brings to their family is therefore very important. But have you ever stopped to consider the true value of the contribution you make around the home on a daily basis? If you worked out how much you get done in an average day, you’d probably be surprised. Your family is important to you, but you are important to them too; how would they cope if you were not around?

Life and Protection cover may hold the answer.

How I can help

As a qualified, professional financial adviser, I’m experienced in helping clients find the most suitable solutions for their own Protection needs. And, as a member of Intrinsic, you can be assured of a high quality service both now and in the future.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

*Legal & General – value of a mum research 2011
**LV = Cost of a child survey 2011

Posted in News | Comments Off on Family Protection / Income Protection Blog – Tina Garbutt – March 2012

Are you still on track to repay your mortgage?

If you have an interest-only mortgage, you may be enjoying a period of relatively low mortgage repayments.

However, it’s important to remember that you must have sufficient funds in place to repay the mortgage at the end of the term. Whilst you may have taken on your mortgage with a clear plan for building up these funds, it’s clear that the recent recession has knocked many interest-only borrowers off track.

This may ultimately have a significant impact on your ability to repay your mortgage.

Is it time to switch?

With interest rates at an all time low, now might be the right time to switch to a Capital & Repayment mortgage. You could have peace of mind knowing that your monthly payments have been calculated to ensure your mortgage is repaid at the end of the term. Your Lender will review your payments to help ensure that you stay on track.

How we can help

As a member of Intrinsic, I have access to a panel of lenders representative of the whole market. That means I can source a vast range of mortgages from a host of lenders including ING Direct, Woolwich, Abbey, Nationwide and many more. Some of the deals I have access to are on an exclusive basis.

Call me for more information on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Services Authority.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Are you still on track to repay your mortgage?

Mortgage blog – Tina Garbutt – February 2012

Are you looking to Re-Mortgage, Purchase your First Home or Move House?

We will help you through the minefield of interest rates, fixed or trackers, interest only/capital repayment and so on, by listening to you we can keep the whole process simple and stress-free! The team of people at Charles Derby Norwich have on-going training, are all happy to help and do genuinely enjoy their work. Service standards are a core part of our business.

To get the full choice of deals that are available at the moment I would suggest the greater the deposit you have, generally the better the rate.

If you are one of these people above please call Charles Derby Consultancy for a no obligation quotation on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Mortgage blog – Tina Garbutt – February 2012

Protect your mortgage and lifestyle – Tina Garbutt – February 2012

As your advisor part of my on-going responsibility is to keep in touch and review your financial situation in case your circumstances have changed.

The downturn in the economy has meant that many homeowners are suffering financially.

It’s an unsettling time, but there are simple steps that you can take to help look after your home during these difficult times. For example, you can help protect yourself from the financial consequences of being unable to work.

Take a moment to think if you had to stop work because you were sick or unemployed.

• How much would you need to pay for your mortgage and the cost of living each month?
• How long could you live on your savings?
• What would happen when your savings ran out?

Being out of work is stressful enough and, if it happens, it’s more important to be able to focus on getting well or finding another job.

I can help you protect yourself against the financial consequences of being out of work due to illness or redundancy. And it’s probably quicker, simpler and more affordable than you might expect.

Defaqto 5 star rated protection.

For example LV= now have high quality Mortgage Payment Protection Insurance (MPPI) product. It’s called Mortgage & Lifestyle Protection and provides superior cover to traditional Mortgage Payment Protection Insurance, offering long term accident and sickness cover as well as unemployment cover, which is available for a 12 month period.

This Defaqto 5 Star Rated MPPI product shows how much protection products have evolved and how important it is to make the right choice in choosing your cover.

It’s easy to put off getting protection. But the reality is by doing so, you could be gambling with your home and lifestyle if the unexpected happens. The right protection can provide peace of mind that you can cope financially, no matter what life throws at you.

Terms and Conditions will apply.

How we can help

As a qualified professional Financial Adviser, I’m experienced in helping clients find the most suitable solutions for their own Protection needs. And, as a member of Intrinsic, you can be assured of a high quality service both now and in the future.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520

Posted in News | Comments Off on Protect your mortgage and lifestyle – Tina Garbutt – February 2012

Re-Mortgage Blog – Tina Garbutt – January 2012

This week we had a couple book an appointment with us and come into our offices, they were looking for advice on their mortgage, and as always we were happy to help.

We helped to re-mortgage their property, they were on a very high interest rate and in the process of re-mortgaging their property we managed to get them on a much lower rate.

With the help from us they have now released an additional amount of money as a deposit for a buy to let property, and are still paying less monthly than they were in the first place!!

As a qualified, professional financial adviser, I’m experienced in helping clients find the most suitable solutions for their own Protection needs. And, as a member of Intrinsic, you can be assured of a high quality service both now and in the future.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Buy to Let Mortgages are not regulated by the Financial Services Authority.

Posted in News | Comments Off on Re-Mortgage Blog – Tina Garbutt – January 2012

Losing sight of everyday threats could put your business at risk.

For all Those businesses and its directors you are no doubt working harder than ever to steer the company though this difficult trading period. As a result, your thoughts are probably focused on the short-term needs of the company.

But it’s more important than ever that you don’t lose sight of the on-going threats to your business, threats that could have an impact as severe as any market downturn.

Protecting your most important assets.

If a director, co-owner or key individual within your business were to die, or become critically ill, it could have a serious impact on your company’s ability to trade. For instance:

• How would the loss of their expertise and experience impact the business?
• If they are a shareholder, what would happen to their shares? Could the business afford to buy them back?
• How would your debtors and creditors react? Would loans be called in?

You probably already protect your company’s material assets, like premises, vehicles and equipment. Surely it makes sense to also protect the company’s most important assets – its people.

How I can help
We work with businesses like yours, offering advice on how best to protect it from the financial impact of unforeseen events.

As a part of Intrinsic, we have access to a range of products that can give you peace of mind when it comes to the long-term stability of your business.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

Posted in News | Comments Off on Losing sight of everyday threats could put your business at risk.

Critical Illness Blog – Tina Garbutt – October 2011.

Could you cope financially if you were diagnosed with a critical illness?

We all have financial obligations to meet each month, and as we get older, our financial responsibilities tend to change. Whether we get married, start a family, or move up the property ladder, it becomes all the more important to have plans in place that protect you, and those around you, from unforeseen financial hardship.

By taking out Critical Illness Insurance, you could receive a tax-free lump sum or monthly benefit should you become unable to work due to a serious illness or injury. This could help towards:

• Paying off your mortgage
• Meeting the monthly household bills
• Covering additional medical expenses
• Reducing the financial impact if you were unable to return to work

…Or anything else you choose to spend it on.

How I can help

As a qualified professional Financial Adviser, I’m experienced in helping clients find the most suitable solutions for their own Protection needs. And, as a member of Intrinsic, you can be assured of a high quality service both now and in the future.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

Posted in News | Comments Off on Critical Illness Blog – Tina Garbutt – October 2011.

Family Protection / Income Protection Blog – Tina Garbutt – October 2011

Have you protected your most valuable asset?

Most people insure their property, cars and possessions. Yet one of the most important assets we tend to overlook is ourselves – and our ability to support our family financially.

In every household there is usually at least one ‘bread winner’ on whom the family finances depend. That income probably covers your mortgage or rent, your bills, the costs of running a car – and the everyday extras. If that income source were to stop – either through death, illness or unemployment – would your family be able to meet those financial demands, and maintain their quality of life?

That’s where Life and Protection Insurance can help. It can provide a lump sum amount, or a monthly income, and could go a long way to filling the financial gap should the worst happen.

How we can help?

As a qualified professional Financial Adviser, I’m experienced in helping clients find the most suitable solutions for their own Protection needs. And, as a member of Intrinsic, you can be assured of a high quality service both now and in the future.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

Posted in News | Comments Off on Family Protection / Income Protection Blog – Tina Garbutt – October 2011

Mortgage Blog – Tina Garbutt – October 2011.

We had a married couple visit our offices this week for advice on their mortgage.

They were on a very high interest rate. We are in the process of remortgaging their property, so they will have a much lower interest rate. They are also to release an additional amount of money, (which they are going to use as a deposit for a buy to let property) and they will still be paying less monthly on their mortgage than they were paying initially!!!!

They are looking to purchase a rental property which will provide £100 surplus income each month. This is once the rent has been paid, the mortgage repayment made, along with any other costs associates with running a buy to let property.

Call me for more information on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Buy to Let Mortgages are not regulated by the Financial Services Authority.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Mortgage Blog – Tina Garbutt – October 2011.

First Time Buyer Blog – Tina Garbutt – September 2011.

To make all first time buyers aware, that there is now a very good rate available at 95% loan to value (this means you only need to find 5% deposit!!!!!). You can use this product to purchase your First Home, Move Home or Re-Mortgage.

This information is correct as at 18/08/2011. Please note that if you are reading this after this date, it is possible this rate no longer applies.

The overall cost for comparison is 5.4% APR.
The actual rate available will depend on your circumstances. Ask for a personalised illustration.

Many people are renting when they could actually own their own home and they would actually be paying less in mortgage than in rent each month!

We will help you through the whole process and make it simple for you. We will help guide you to find the correct mortgage for your circumstances, protection to cover the mortgage and we also offer advice on some excellent products on buildings and contents insurance.

Call me for more information on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

Full Terms and conditions will apply.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on First Time Buyer Blog – Tina Garbutt – September 2011.

All Company Director’s this could apply to you!

As a company director would you like to consider a more cost effective way of paying for your life assurance arrangements?

Did you know that arranging life cover for yourself can be treated as a legitimate business arrangement and, with your company paying the premiums, there is also the potential of reducing your company’s Corporation Tax liability?

A policy can be taken out and paid for by your business and put in trust for your dependants or desired beneficiaries. The results being:

• a lump sum paid to your chosen beneficiaries in the same way a personal policy would work but with
• no National Insurance liability
• no benefit-in-kind liability
• the likelihood of these payments being classed as allowable deductions for your business, which may help to reduce any potential Corporation Tax liability
• the payments not counting towards an individual’s lifetime or annual allowances

Please remember tax law may change in the future and will depend on your individual circumstances.

If you would like more information or would like to take advantage of this opportunity please contact me on tina@charlesderbyconsultancy.com or 01603 901520.

Posted in News | Comments Off on All Company Director’s this could apply to you!

Do you want to save money on your Mortgage?

Hello everybody

DO YOU WANT TO REDUCE YOUR MONTHLY OUTGOINGS?

Here at Charles Derby Consultancy we wanted to make everyone aware that now is a great time to think about re-mortgaging.

We may be able to help you save money on your mortgage repayments.  If you are one of the many people on the standard variable rate, you may be able to switch to a better rate and save considerable amounts of money each month.  We can also review your protection plans, to ensure you have suitable arrangements in place.

We are always happy to arrange a meeting at your home, likewise we are very happy for you to come to our offices (where we can offer a nice cup of coffee and biscuits!) and in many cases we do all of the business over the phone, this is great for people who have very little time!

We concentrate on service standards and can guarantee a first class professional service, we really do value our customers.

Currently there is a brilliant rate for remortgaging 3.64% fixed for 5 years until 31 August 2016.  From 1 September 2016 this then reverts to the lenders standard variable rate (currently 5.99%)  for remaining term of the mortgage.  Please note early repayment charges will apply until 31 August 2016.

The overall cost for comparison is 3.64% APR. 
The actual rate available will depend on your circumstances
This information is correct as at 10/08/2011. Please note that if you are reading this after this date, it is possible this rate no longer applies.

If you would like to know more about this or any other rate please come and see us, email us or call on 01603 901520.

We really can make a difference.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Posted in News | Comments Off on Do you want to save money on your Mortgage?

Mortgage Blog – Tina Garbutt – July 2011

They get their new dream home…

Mortgages can sometimes be a dry subject but in today’s times, your local mortgage adviser could become your best friend.

I spoke to some clients yesterday who wanted to move to a new home.

They are finding it very difficult to sell their property at the moment because of the present climate. 

Their current property is in a good rental area and would command good rent, so I suggested that they turn this property into a buy to let.

I could arrange a buy to let mortgage on their current property, and move their existing mortgage over to their new property.

Not only could they take their existing residential mortgage with them to their new home, they should also be able to take out a further advance with their existing lender so that they can borrow the extra money they need to purchase the new property.

Fantastic – they get their new dream home, keep their existing property as an asset that could rise in value in the future, and they get to keep their existing interest rate and avoid early repayment charges.

The rent from their existing property should cover the buy to let mortgage.

Happy days.

Obviously this solution will not be suitable for all situations – these people were lucky in that they had the right type of property in the right area, and were able to meet the mortgage requirements,  but the key point here is that I did the thinking for them.

I found out all about their circumstances and what they wanted to achieve, and then tried to find a solution for them – a solution they may not have considered without professional mortgage advice.

If you need some mortgage advice you can rely on please do not hesitate to call me on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Buy to Let Mortgages are not regulated by the Financial Services Authority.

Posted in News | Comments Off on Mortgage Blog – Tina Garbutt – July 2011

Buy to Let Blog – Tina Garbutt – July 2011

What a perfect time to invest:

We are all aware property prices have fallen significantly, but on a positive note, this has to be a perfect time to invest in an investment property (buy to let).  If investors out there are able to put in a deposit of say 20% – 25% that would be brilliant there are some interest rates out there with a 15% deposit, but they  are much higher !) I feel that it good strong advice to have a reasonable deposit / equity in the property. 

If you purchase a buy to let property and it is done in the right way, take proper professional help, it will be a excellent long term investment, look for the long term capital growth, not a short fix!!!!!

Where to start:

Research your market:
By that I mean ensure the town, city you are interested in investing in has a good strong rental demand! 

How to do that:
Speak to people like myself specialist buy to let mortgage advisers, speak to local letting agents, ask them what sort of properties are proving the most popular? what areas are they in? what types of tenants? what rents they are achieving? 

 Type of property, what types of tenant would it attract:
Are you looking for students,? do you want professional people? families?  Dependent on the type of tenant you are looking to attract, will be very dependent on the type of property and area you invest in.

Finding the right tenants:
Nobody wants a rental void, this eats into any profit you make.  Therefore its great to get it right first time, I can certainly help with some strong tips on how to avoid the pitfalls and getting good tenants.  I am a landlady myself and have made the mistakes.  I can pass my experience onto you.  Hindsight as the saying goes…………………

I would always suggest letting out property in a good clean condition, not multi-coloured walls, but magnolia, with a reasonable plain carpet (which can be cleaned when the tenants moves out without too much problem).  You will attract tenants who like something clean and tidy and want to keep it that way!

It is good advice to seriously vet your prospective tenants and I have some good advice on how to do this.

Call me for more information on 01603 901520 or email me at tina@charlesderbyconsultancy.com evening and weekend appointments are available to fit around your busy schedules.  Evening and Weekend appointment are available.

We are always happy to help.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

A fee of a maximum of £395 or 1% of the loan amount, if greater is payable on application. For example on a £100,000 mortgage, it would equate to a fee of £1000.

Buy to Let Mortgages are not regulated by the Financial Services Authority.

Posted in News | Comments Off on Buy to Let Blog – Tina Garbutt – July 2011

Landlords Buildings and Contents for Buy to Let Properties – have you got it all covered?

Getting the right insurance cover may not be the most exciting thing to do with your time, but the reality is that things do go wrong so it’s vital that your insurance provider and policy are right for you.

As a landlord are you aware that Intrinsic has access to a range of products specifically designed to protect your buy to let property? Are you confident that your current insurance policy provides the cover that you as a landlord require? Are you paying too much?

Ask yourself whether you have:

• cover for loss of rental income when a tenant falls into arrears?
• access to emergency help for problems with plumbing, heating, drainage or external security?
• protection in the event of legal problems such as repossession of the let property or damage by tenants?
• cover for your contents e.g. white goods
• competitive premiums?

If you can confidently answer all of these questions, then you may well have the right cover. If not, then let’s talk.

As a member of Intrinsic, one of the UK’s largest networks of financial advisers, I can access many of the biggest and well known insurers in the UK. This means I can arrange cover for a single property through to a large portfolio – at very keen prices.

Simply contact me on 01603 901520 and we can arrange a convenient time to discuss your insurance requirements. I may be able to find you a more suitable policy, why not let me give you a quote and find out!

I look forward to hearing from you.

Tina Garbutt

Posted in News | Comments Off on Landlords Buildings and Contents for Buy to Let Properties – have you got it all covered?