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We have you covered - all your questions in one place

What is a Right-to-Buy Mortgage?

A Right to Buy mortgage can allow customers the opportunity to purchase their council home at a hefty discount.

Visit your council's website to see if you meet the required criteria. A deposit is not often needed in a right-to-buy mortgage, that's why it's a great way to get your foot on the property ladder. You can also source a lender that will be prepared to add additional funds to the mortgage to fund home improvements.

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What Insurances Do I Need?

It is a condition of all mortgages that you to have adequate buildings insurance in place. This is something we will help you with.

Making sure you can meet your monthly mortgage payments is a priority and your home may be repossessed if you don’t keep up the repayments. With this in mind, it is important to consider putting in place one of our tailormade, first-class, mortgage and lifestyle protection portfolio’s. This could include:

  • A lump sum of cash to pay off your mortgage if you die

  • A cash lump sum or monthly income if you get cancer or have a heart attack

  • A regular monthly income if you’re unable to work through an accident, sickness or disability

  • A regular income for your children, should you die or get a critical illness

  • A policy to cover if your children get a critical illness - £25,000 on average

  • A sick pay policy if your self-employed

  • A sick pay top up if you don’t get enough from your employer

  • A lump sum of cash if you become totally and permanently disabled

  • All relevant plans can be written into trust This will mean the beneficiary will get their money faster

  • A suitable person to write or review your wi

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