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mortgage broker Services
Why Choose Charmed Mortgage Solutions Ltd?
Based in Crewe and covering Cheshire, Shropshire, and Staffordshire and surrounding areas.
My tailor-made package gives you peace of mind that through any future challenging times you and your family may have to go through, you will not have the financial worry of how everyday necessities will be paid.
A Mortgage Broker that cares and considers your financial needs in relation to obtaining the best mortgages rates and financial protection.
Residential Mortgage Solutions
Residential mortgage and Buy to let or Let to Buy
Buying a house, whether it's your first home or you are moving home is an exciting time. Dealing with the financial aspect of the house buying process can be an incredibly stressful and complex process.
Repayment or interest only? How much would I be able to borrow?
Fixed, discount, capped or Tracker rates and what's the best term to fix them for?
Can I port my current rate?
Can I re-mortgage and repay some debts off or borrow for home improvements?
Can I switch lenders for a better deal?
Help to Buy, right to buy, Shared Ownership? Buy to let or Let to buy?
Self - employed, Zero Hour contracts, Contractors, Foster Carers, Forces, Agency Workers, what government benefits can be used?
For answers to all these questions and more contact our mortgage broker, Charmaine Chevannes on 07780 665416, who will not only provide you with the best mortgages rates but also advice on your financial protection needs as part of a tailor-made service.
NOTE: The Financial Conduct Authority does not regulate Buy to Let Mortgages
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Protecting your home and your family
Life Cover
Cancer and Critical Illness
Cancer and Critical Illness
Life Cover or is it Death Cover?
Death is the one thing we can all guarantee is going to happen to us. We just do not know WHEN!
You may have made a Will and appointed guardians for your children, but without the funds to continue with their upkeep, what will the children’s lives be like without you around?
Do the right thing and ensure you leave your loved ones in a stable financial position.
For a no obligatory chat regarding your financial protection needs contact Charmaine
Cancer and Critical Illness
Cancer and Critical Illness
Cancer and Critical Illness
Take some time to think about the effects on you and your family if you or a family member were to be diagnosed with a critical illness!
How would life be?
How would you cope financially both short term and long term?
How would you need your finances to be in such a horrific time?
Would a lump sum to pay ff your mortgage help?
What about a lump sum to pay for unforeseen medical expenses or home alterations?
For a no obligatory chat regarding your financial protection needs contact Charmaine
Protecting your income
Cancer and Critical Illness
Protecting your income
Off work through sickness or injury?
Employer no longer paying you?
You can take out a plan that provides you with a specific monthly income if you were on long term sickness and you were not receiving income from your employer.
For a no obligatory chat regarding your financial protection needs contact Charmaine
Wills Trusts and Power of attorney
Wills and Trusts
Power of Attorney
Power of Attorney
Your Will tells people two particularly important things.
1. Who should have your money, property, and possessions when you die?
2. Who will oversee organising your estate and following the instructions you leave in your Will?
If you don't make a Will everything will be shared out in a standard way defined by law.
The law of intestate:
https://www.gov.uk/inherits-someone-dies-without-will
For a no obligatory chat regarding your financial protection needs contact Charmaine
NOTE: The Financial Conduct Authority does not regulate Will Writing and inheritance Tax Planning Advice and we are not authorised through PRIMIS Mortgage Network to provide advice in this area, however we can still assist you with your enquiry.
Power of Attorney
Power of Attorney
Power of Attorney
We make decisions for ourselves every day, but who is going to do that for you if you become unable to make decisions for yourself in the future?
If you do not put provisions in place your loved ones will have to apply to the courts to become a 'deputy', which is an expensive and lengthy process.
You can nominate a trusted person before you lose mental capacity, by setting up a Lasting Power of Attorney. You can appoint more than one representative and you and determine how they make both financial and health decisions on your behalf.
For a no obligatory chat regarding your financial protection needs contact Charmaine
additional services
Home and Landlord Insurance
With access to industry exclusive deals I can provide you with the perfect home insurance or landlord insurance to suit your specific requirements. Whether that be the need for specific high value items, bicycles cover, the need to home emergency cover or cash in the home; I can find a policy that will suit your needs.
Charmed Mortgage Solutions Limited act as a credit broker not a lender for home insurance.
Private Medical Insurance
As National Health waiting lists grow longer, and the quality of its service is brought ever more into public debate, Private Health care is becoming more of a necessity than a luxury these days. So why not jump the queue? Get award-winning cover through the top five medical insurance providers and receive cover that will suit you, your family, and your pocket.
We are unable to provide you with advice in this area however we can introduce you to an authorised and regulated Financial Adviser who can provide you with specialist advice in this area
Family income Benefit
Family income benefit is designed to pay a regular income in the event of the insured persons death. So, for example, if a single parent is reliant on maintenance payments from an ex-partner, these payments can be insured until the child reaches a dependent age. Therefore, the child's lifestyle is not dramatically affected at such an emotional time.
Funeral Plans
A funeral plan allows you to pay for your funeral in advance and pre plan for your end of life wishes. Having a pre-paid plan in place will take the emotional burden off your loved ones at a time in their lives when they are most vulnerable and unable to cope. The plan enables you to fix the cost at today's prices and enables you to precisely specify your funeral arrangements
.
For a no obligatory chat regarding your financial protection needs contact Charmaine
And there's more!
One bill for all your utility services.
Gas, Electric, Home phone, Broadband, £20 per month unlimited mobile sims, boiler cover, home insurance.
With the ability to get cashback on everyday shopping making your bills even cheaper.
Who wouldnt want that?
Call Me: Charmaine Chevannes 07780 665416