Mortgage and protection planning
Kristina Jeffery
Principal Mortgage & Protection Adviser
My role as the head of mortgage and protection planning at Askaig Newington is to help our clients make the right decisions about their mortgage and insurance needs.
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Whether you're a first time buyer, making the move to your next home, or looking for the best deal when your fixed rate comes to an end, my team and I will provide you with expert advice and support.
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With more than twenty years in the mortgage market, I have extensive experience with complicated cases, including borrowing into retirement, complex income scenarios, professional landlords, and equity release.
First Time Buyers
Buying your first home is exciting and daunting in equal measure. With terminology, processes, and procedures you aren't familiar with, it can be easy to become swamped.
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Our advisers have many years of experience supporting first time buyers through the entire buying process
Moving Home
If you're considering moving home, our mortgage advisers can help find the best deal for your circumstances.
This may include moving your current mortgage product and interest rate to your new property, if appropriate.
Speak to our advisers to see how we can help you.
Remortgaging
Whether your current mortgage product is coming to an end, or you want to raise additional funds, our team can help get the best deal for your circumstances.
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This may be recommending a product from your existing lender, or moving to a new lender if it's financially beneficial.
Buy to Let
Whether you're a first time landlord or an experienced property investor, our advisers can source the most competitive mortgage products on the market.
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We have particular expertise in the large professional landlord sector, and are highly experienced at managing the mortgage requirements of a large property portfolio.
Equity Release
Lifetime mortgages (also known as equity release) allow homeowners over the age of 55 to access some of the equity in their homes, without the need to sell up and move out.
Lifetime mortgages are complex, and impartial, practical advice is essential to ensure you make an informed decision.
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Speak to one of our advisers to see whether this is the right option for you.
Protecting Your Mortgage
It's essential to consider the financial consequences to your family if you should die or suffer a life-changing illness before your mortgage is repaid.
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Protecting your mortgage against death and critical illness may help your loved ones stay in the family home if the worst should happen.
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Our advisers will provide a life assurance and critical illness cover recommendation with every mortgage application.
All information It is based upon our current understanding of current legislation and HMRC guidance. While we believe this interpretation to be correct, it cannot be guaranteed that such information is accurate as of the date it is received or that it will continue to be accurate in the future. Thresholds, percentage rates and tax legislation may change in Finance Acts and bases of, and reliefs from, taxation are subject to change and their value depends on an individual’s personal circumstances.
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