What We Do
Mortgages & Protection
Our independent mortgage and protection specialists in Norwich, Norfolk know and understand the evolving market; we want to make sure you get the right mortgage that is most suitable for your circumstances and gives you the best value.
There are hundreds of mortgage products available offering a wide range of interest rates, rate types, flexibility, fees, features and penalties. Each mortgage lender specifies its own lending criteria and changes take place continually.
The decisions involved with a property purchase or re-mortgage are amongst the biggest financial ones that most people will have to make.
It is therefore important to make the right, informed choice from the beginning. For example, a mortgage that begins at the lowest rate may not necessarily be the most suitable or cost effective in the long term.
Not only do our advisers give advice and recommend products to you, we also act as intermediaries between you and the mortgage lender as well as other intermediaries such as the estate agent or solicitors. We strive to make the process as easy for you as possible, remove unnecessary stress and avoid you being bombarded with paperwork.
Having protection can’t reduce the odds of something happening to you but it can make life a lot easier if it does.
Whilst insuring ourselves against an undesirable event such as sickness, critical illness or even death may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times should not be overlooked.
You might be surprised to find how affordable protection can be. A small amount of the right protection is better than having none at all. At Brancaster House we understand that everyone’s needs are different so we’ll take time to listen so that we understand what’s important to you, enabling us to tailor a protection solution which matches your needs and budget.
We're a proud member of the Equity Release council. Equity Release enables you to access the equity tied up in your home if you are over the age of 55.
Most people who take out Equity Release use a Lifetime Mortgage. Lifetime Mortgages differ from lender to lender and we provide you with full advice and make recommendations to you, taking time to understand your circumstances.
A Lifetime Mortgage is a loan secured against your home, providing you with a tax-free sum that you can take all at once or in smaller amounts. Taking smaller amounts may incur different interest rates, depending on the rates available at the time.
Lifetime Mortgages have evolved rapidly in the past ten years, introducing more safeguards and greater flexibility. With the many different options now available, we will take the time to understand your circumstances before providing you with full advice and making a recommendation.