There are many different ways in which Protea Financial Services can help you. Some of the services we offer include advice on:
Mortgages and other types of borrowing:

• Mortgage Capacity Reports (for Family Law Practitioners or individuals/couples who are divorcing)
• First Time Buyer Mortgages
• Remortgages
• Equity Release
• Lifetime Mortgages
• Commercial Mortgages
• Second Home Mortgages
• Buy To Let Mortgages, both Individual and Limited Company
• Further Advances
• Secured Loans
• Bridging Finance
• Sub Prime Mortgages
• Limited Company Mortgages
• House of Multiple Occupancy (HMO) Mortgages

Protection:

We urge clients to plan with foresight rather than regret with hindsight regarding Protection.

• Life Assurance
• Critical Illness Insurance
• Business Assurance including Key Person Insurance
• Income Protection
• Private Medical Insurance
• Family Income Benefit
• Buildings and Contents Insurance
• Accident, Sickness and Unemployment Insurance

Trusts:

• Despite positive changes to the Inheritance Tax threshold and inter-spousal exemptions, we always recommend placing protection in trust. This is mainly in order to avoid delays in accessing policy benefits due to probate.

Ancillary Services:

Having been in the industry as long as we have, we have seen it evolve massively, particularly over the last few years. One of the effects of this is the need for specialist advice on different financial planning needs. We have a great number of contacts who can provide fully regulated specialist independent advice in the following areas:

• Wills, LPA's and Estate Planning
• Inheritance Tax Planning
• Pensions including both private and occupational pensions, SIPP, SSAS
• Pensions advice for divorcing couples
• Investments including: Discretionary Fund Managers (DFM's), Platforms, Investment Bonds, ISA

Please remember that your home may be repossessed if you do not keep up repayments on your mortgage or any other finance secured on it.

Second Charge mortgages and finance tend to have higher interest rate than first charge mortgages and their suitability should be considered carefully.

The FCA do not regulate certain types of Bridging Finance

If you are unable to exit Bridging Finance by a given redemption date, fees and interest will be charged which could be excessive

Second Charge mortgages and finance tend to have higher interest rate than first charge mortgages and their suitability should be considered carefully

The FCA do not regulate certain types of Bridging Finance

If you are unable to exit Bridging Finance by a given redemption date, fees and interest will be charged which could be excessive.

The Financial Conduct Authority do not regulate certain types of Buy To Let / Commercial Mortgages.

All loans are subject to a credit search, valuation and in some cases status enquiries by the lender.

A Protection plan will have no cash in value at any time, and will cease at the end of the term.

If premiums are not maintained, then cover will lapse and you may not be covered if a claim is made.

The information contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Information contained on the website does not constitute advice and decisions should not be made based solely on the information on the website. Individual advice should be sought.