Search Results

21 items found

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Getting a mortgage can be stressful, but we're here to guide you through the whole process book your initial appointment Mortgage Broker and Advisor in Rushden ​ At Diane Wright Financial Services, we offer a range of services designed to make applying for your next mortgage as painless and hassle-free as possible. Our experienced mortgage advisors and brokers in Rushden can talk with you about how to get the best terms on your next mortgage and work together under time pressures to ensure that you’re always one step ahead. ​ ​ ​ Why should you use a mortgage broker? ​ A mortgage broker can help you in what can be a difficult and confusing time, especially if there are time pressures involved with your mortgage application. As registered mortgage brokers in Rushden, the team at Diane Wright Financial Services can help you by accessing streams of finance that aren’t available to non-mortgage brokers or direct with Banks, and can look around at various options to help you to get the best deal possible on your mortgage. Our team are well-experienced in the industry and can talk you through a range of options which suit your specific needs and requirements best, so be sure to get in touch with us as soon as possible to make sure that your mortgage is the right one for you. ​ ​ ​ Get in touch ​ Contact the team at Diane Wright Financial Services today to book in for a consultation. We look forward to working with you and helping you with your next mortgage application, either by offering solid advice from our office in Rushden or acting as mortgage brokers to get the best deal possible for you. Call us today on 01933 418 917 or 07709 426 137 and we can begin working together on what should prove to be a very successful working relationship. ​ residential The most common mortgage type; a mortgage loan against a property you intend to reside in. home movers & first time buyers remortgage Either residential or buy to let, remortgaging is a term used to describe taking out a replacement loan for a property you already have a mortgage for. remortgaging your property buy to let Whether you're a first time landlord or adding to your property portfolio, find more information on buy to let mortgages here. buy to let investments How can we help you & your family? The experts at Diane Wright Financial Services are committed to finding you the best mortgage loan for your needs & your budget. ​ We are able to compare from a huge range of lenders and can tailor your loan to your specific requirements. Whether you want to move home, remortgage your current property, purchase your first home or even invest in a buy to let property, we can help you! ​ To get the process started, just request a call back or book your initial appointment. ​ book your initial appointment Purchasing a house can be one of life's biggest stresses, so why not let us help? Here at Diane Wright Financial Services, our friendly advisers are here to assist you in every step of the mortgage process, from comparing a wide range of lenders to offer you the best loan for your situation, to making sure your mortgage is protected with the correct insurance policies. We can also recommend and instruct a reliable solicitor and surveyor on your behalf. This may save you money and unnecessary hassle. ​ We’ll submit your mortgage application and are always available keep you updated at every step of the process. When your mortgage offer has been issued, we will arrange for your vital protection policies, including life insurance, income protection and buildings & contents insurance, in just a few minutes. Your property may be repossessed if you do not keep up repayments on your mortgage. Diane Wright Financial Services charge a non-refundable mortgage arrangement fee of between £99 and £399 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs. Diane went above and beyond for us in getting this mortgage whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Buy to Let Mortgages for Landlords book your initial appointment Whether you're a first time landlord or adding to your property portfolio, let our experts help you ​ ​ We can compare from a wide range of lenders to ensure you choose the best rate for your needs ​ ​ We'll complete the application process for you to save you any unnecessary stress & hassle The level of service & knowledge is second to none, sourcing the best deals that benefit my needs ​ Can I get a buy to let mortgage? Getting a Buy to Let mortgage may be easier than you think, they are available to: ​ Invest in houses or flats First Time Buyers, Home Owners, Portfolio Owners, Limited Companies You have never had a mortgage, or already have one or more mortgages Adverse Credit Records, Impaired Credit, or an Excellent Credit History - we can access many lenders offering Buy to Let mortgages for all credit worthiness You are employed, self employed, retired or receive alternative income You are over 18 ​ ​ How much deposit do I need ? To get a mortgage on an investment property, you'll generally need a deposit of at least 15% of the value of the home. As with standard residential mortgages, the bigger the deposit you put down, the better the rate you'll typically be able to get. ​ In order to assess your affordability, speak to a our specialist advisers who can give you a clearer idea of the amount you're able to borrow & how much deposit you're likely to need. ​ ​ Why do I need a mortgage adviser? With so many different types of mortgages available, applying for one can be a confusing & stressful process. Each Lender offers different product ranges, underwriting and criteria. We are here to not only guide you through the entire process, but to ensure that you are taking out the most suitable mortgage for your requirements. We can even recommend & instruct a solicitor for you, which could save you money and unnecessary hassle. ​ Book a free, initial appointment today to discuss your situation, your plans & to get the process started. ​ ​ ​ Your property may be repossessed if you do not keep up repayments on your mortgage. Diane Wright Financial Services charge a non-refundable mortgage arrangement fee of between £99 and £399 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs. whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    We're committed to helping you find the best mortgage & insurance for you & your family mortgages Expert mortgage advice from our friendly advisers for home movers, first time buyers, landlords & remortgage learn more about mortgages protection Tailored mortgage protection advice including life cover, critical illness cover, income protection & family income benefit learn more about protection insurance Bespoke advice for home insurance, including buildings & contents cover and landlord insurance learn more about insurance Let us introduce ourselves... Based in Rushden, Northamptonshire, we are a team of friendly & knowledgeable financial advisers committed to finding you the best mortgage deal, as well as the perfect insurance policies to protect your home, family & mortgage. ​ Diane Wright Financial Services are with you every step of the way; comparing mortgage loan rates from a wide range of lenders, completing all the necessary paperwork, providing bespoke insurance policies that best fit your needs and keeping you updated during every part of the process. ​ For more information about how we can help you, get in touch ! The whole experience from start to finish with Diane was perfect & smooth call us 01933 418 917 07709 426 137 request a call back email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email visit us 30 High Street Rushden NN10 0PW book an appointment We are trusted to give protection advice by a wide range of insurers To play, press and hold the enter key. To stop, release the enter key. Diane Wright Financial Services work in partnership with Simpson and Weekley Estate Agents Search for your next property with Simpson and Weekley We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the mortgage or insurance areas in which you have asked us to provide a service. We act for you and not the lender or insurer in connection with the services we provide. We will not charge you a fee for our services relating to insurance but we will receive a commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance. ​ Your property may be repossessed if you do not keep up repayments on your mortgage. Diane Wright Financial Services charge a non-refundable mortgage arrangement fee of between £99 and £399 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs.

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Remortgages for Homeowners book your initial appointment If your fixed rate is coming to an end, you could end up paying more than you need to ​ ​ We can compare from a wide range of lenders to ensure you choose the best mortgage for your needs ​ ​ We'll be with you every step of the way to save you any unnecessary stress & hassle Diane has supported me with my case and made the impossible possible When do I need to remortgage? When your fixed rate term comes to an end, you'll automatically revert to the lender's standard variable rate (SVR), meaning you could be paying much more every month. ​ ​ We recommend you get in touch with one of our mortgage advisers 5 to 6 months before your fixed rate ends, which will give you plenty of time to complete the remortgage process. ​ Alternatively, you may want to remortgage your current property to fund home improvements, pay off any debts, to fund a deposit for a buy to let investment property, or even if you need to switch to a lower interest rate. This can be done at any time, however you may be required to pay an early repayment charge. Our Expert Advisers can assess your individual circumstances and recommend the best cost option for you. ​ ​ Can I stay with the same lender? Of course, this is known as a 'product transfer'. This is where we can find you a new product with your current provider. When you remortgage your property, it's a good idea to compare a variety of lenders in order to get the best rate for your budget. At Diane Wright Financial Services, we can access rates from a wide range of lenders including existing providers . ​ ​ When shouldn't I remortgage? If you have a high early repayment charge, you may end up out of pocket by remortgaging . If you're not sure what your early repayment charge is, or whether now is the right time for you to remortgage your property, just get in touch with one of our expert advisers to discover all of the options available to you. ​ ​ Can I remortgage if I'm self-employed? Yes, Absolutely! Being self-employed will not stop you from remortgaging, or even from getting a mortgage. You would need to provide evidence of your earnings, with a minimum of one years tax calculations, but the process will remain the same as standard employment. ​ ​ If your earnings have significantly changed since taking out your existing mortgage then this could affect how much you're able to borrow with different lenders. There are always options available though, just get in touch to discuss the best options for your requirements & budget. ​ ​ Why do I need a mortgage adviser? With so many different types of mortgages available, applying for one can be a confusing & stressful process. We are here to not only guide you through the entire process, but to ensure that you are taking out the most suitable mortgage for your requirements. We'll even recommend & instruct a solicitor for you, which could save you money and unnecessary hassle. ​ Book a free, initial appointment today to discuss your situation, your plans & to get the process started. ​ ​ ​ Your property may be repossessed if you do not keep up repayments on your mortgage. Diane Wright Financial Services charge a non-refundable mortgage arrangement fee of between £99 and £399 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs. whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    General Insurance - Buildings & Contents get a quote A buildings & contents policy will protect both your home & your belongings ​ ​ Considered essential cover for homeowners & is required by many mortgage lenders ​ ​ Covers you for unexpected damage such as fire or flood Diane was amazing, really professional and helpful, I would highly recommend to anyone Why do I need buildings & contents insurance? Think about whether you could afford to replace your home or possessions in the event of unexpected damage, such as a flood, fire or storm. ​ If you're a homeowner, your mortgage provider will require you to have buildings insurance as a condition of the loan. Insuring your belongings is a personal decision, but consider whether you could afford to replace your things if the worst happened. ​ ​ How much does buildings & contents insurance cost? ​ Your premiums would depend on the value and location of your property, the value of your belongings and a range of other factors. We search from a range of insurers to find the best suitable and best cost policy for your needs. ​ ​ Are there options for buildings & contents insurance? You can personalise your buildings and contents policy in a variety of ways, including a choice of add-ons such as accidental damage cover, legal expenses cover and personal belongings insurance.​ ​ ​ I rent my house, do I need buildings & contents cover? ​ If you're renting your property, you don't need to take out a buildings insurance policy - this is your landlord's responsibility. However, it is worth considering a contents policy to protect your belongings. ​ If you're a landlord, find out more about the best protection for you here .​ ​ ​ Contact us for a tailored advice solution! ​ For a full assessment and recommendation of your insurance and protection needs, contact us or request a call back from an adviser who will discuss your situation and help arrange the best insurance package for your needs. ​ ​ ​ We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the insurance areas in which you have asked us to provide a service. We act for you and not the insurer in connection with the services we provide. We will not charge you a fee for our services relating to insurance but we will receive a commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Mortgage Protection - Family Income Benefit get a quote Your family income benefit policy would provide a tax-free monthly payment to your dependents ​ ​ Payments can be used to help cover monthly bills & living costs ​ ​ Considered a cost-effective option to protect your home & your family Everything was explained in full, always at hand when I needed any help in understanding anything What is a family income benefit policy? Family income benefit is a type of life insurance that could offer a cost-effective way of arranging the financial cover you need for your loved ones. ​ In the event of a death, the policies are designed to pay out a regular income until a specified date in order to replace the income that would have been provided by the policyholder. ​ The key difference between family income benefit and standard life insurance is that rather than your loved ones receiving a lump sum of money, they’ll get monthly payments instead. ​ ​ Is a family income benefit right for me? ​ This type of policy is thought to be most suitable for young families with children as it can be affordable and potentially cheaper than other life insurance policies. ​ ​ What are the benefits of a family income benefit policy? A sudden death can make it difficult for your family to cope, especially if they are dependent on your income. Payments from a family income benefit policy would ensure that they receive regular income to keep on top of bills and other monthly living costs. ​ For example, if you have young children you might set up a policy that runs until the children are likely to be financially independent, perhaps at a particular age. This way, if you pass away during their childhood, the expenses can be used to cover school costs or university fees. ​ ​ Contact us for a tailored advice solution! ​ For a full assessment and recommendation of your insurance and protection needs, contact us or request a call back from an adviser who will discuss your situation and help arrange the best insurance package for your needs. ​ ​ ​ We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the insurance areas in which you have asked us to provide a service. We act for you and not the insurer in connection with the services we provide. We will not charge you a fee for our services relating to insurance but we will receive a commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Residential Mortgages with Adverse Credit book your initial appointment For low credit scores or adverse credit history we have a wide range of mortgages and lenders to help ​ ​ We can compare from a wide range of lenders to ensure we provide the best mortgage for your needs ​ ​ We'll be with you every step of the way to save you any unnecessary stress & hassle ​ ​ Diane is concise, patient & pleasant to deal with and I would not hesitate to mention her name to one of my peers Can I get a mortgage with bad credit? ​ Yes! Mortgages are available for many different circumstances: ​ Missed/late payments Defaults CCJ's Debt Management Plans Bankruptcy IVA's Low credit score​ ​ Sometimes it can be difficult to find a high street lender who can provide a mortgage in these circumstances. Our experienced mortgage advisers work with specialist and mainstream lenders to find a mortgage that's right for you. If you have been refused or declined a mortgage, or have experienced any adverse credit, we have access to a wide range of lenders who will allow various circumstances and credit profiles. ​ ​ Why do I need a mortgage adviser? With so many different types of mortgages available, applying for one can be a confusing & stressful process. We are here to not only guide you through the entire process, we also work with specialist and mainstream lenders to find a mortgage that's right for you. We can also recommend & instruct a solicitor and surveyor for you, which could save you money and unnecessary hassle. ​ Book a free, initial appointment today to discuss your situation, your plans & to get the process started. ​ ​ ​ Your property may be repossessed if you do not keep up repayments on your mortgage. Diane Wright Financial Services charge a non-refundable mortgage arrangement fee of between £99 and £399 when an application is submitted to a mortgage lender for you. Your adviser will agree the arrangement fee with you before commencing any chargeable work. The actual amount payable will take account of your financial circumstances, the complexity of borrowing requirements and the amount of work required to fulfil your needs. whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Landlord's buildings insurance will protect both your home & any furnishings you've provided ​ ​ Considered essential cover for landlords & is required by many buy to let mortgage lenders ​ ​ Covers you for unexpected damage such as fire or flood & protects your rental income General Insurance - for Landlords get a quote I strongly advise to speak to Diane if you need any support for the mortgage Do I need landlord insurance? Landlord insurance is considered essential for anyone who owns a rental property. There’s a lot that could go wrong with rental properties – both accidental or deliberate – which wouldn't be covered by standard home insurance. ​ ​ As a landlord, would I need contents insurance? ​ It's worth considering contents insurance if you’re supplying any furniture, fixtures and fittings for your tenants. What's covered in a policy can vary. Our expert advisers can discuss and assess all options available to meet your individual needs. Furnishings such as freestanding sofas and beds, floor coverings and electrical appliances would not be covered in a standard landlord building insurance policy. ​ ​ Can I insure multiple buy-to-let properties? Most insurers will offer the option of adding multiple properties to your policy, and you may even be able to get a discount on your premiums by doing this. However, every insurer is different so you may find that you need separate policies for each property. We will assess your needs and recommend the best cover and best cost option for your portfolio ​ Get in touch with us and we will compare a wide range of insurers and find you the best deal and most suitable policy for your situation. ​ ​ What does landlord insurance cover? ​ Every insurer is different but a standard landlord policy would cover damage to the building itself, caused by things such as fire, lightning, explosion, falling aircraft, earthquake or riots. ​ There are various ways you can personalise your landlord cover to best suit your needs, including add-ons such as contents insurance, accidental damage cover, unoccupied property cover, malicious damage cover and legal expenses. ​ ​ ​ Contact us for a tailored advice solution! ​ For a full assessment and recommendation of your insurance and protection needs, contact us or request a call back from an adviser who will discuss your situation and help arrange the best insurance package for your needs. ​ ​ ​ We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the insurance areas in which you have asked us to provide a service. We act for you and not the insurer in connection with the services we provide. We will not charge you a fee for our services relating to insurance but we will receive a commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Mortgage Protection - Life Insurance get a quote Life insurance provides for your family if you die or are diagnosed with a terminal illness ​ ​ Your policy will give you a tax-free lump sum to pay off your mortgage ​​ You can personalise the cover to suit your family's needs in a variety of ways Diane was really helpful and kept us updated throughout the whole process ​ How much life insurance do I need? Every family is different, our advisers will consider your own personal circumstances. If you’re a homeowner, you may want to take out life insurance to cover the length and amount of your mortgage (for example, a £150,000 loan with a 30 year term). If you have a family, we will consider whether your loved ones could afford daily living expenses and if additional cover should be required. ​ ​ How much does life insurance cost? ​ Life insurance costs vary depending on the type of cover you choose, the amount of cover you need, your age, health and a variety of other factors. There are also lifestyle factors to consider, such as a dangerous occupation or hobby. We will consider all of these aspects before applying, to make sure you get the most accurate cover for your needs. ​ We can also combine Critical Illness Cover with your life insurance policy - find out more information here . ​ ​ Do I need life insurance if I have a mortgage? We do recommend for you to take out life insurance when you get a mortgage, and to have financial protection in place. If you are a homeowner, a mortgage is likely to be the biggest debt you leave behind should the worst happen, so having a policy in place can help give you peace of mind. ​ A life insurance policy can help protect your family and home by paying out a cash lump sum if you die during the length of the policy. This could be used by your family to help clear the outstanding mortgage debt, meaning your loved ones could then continue living in your family home without worrying about the mortgage payments. ​ ​ What kinds of life insurance are there? ​ We can personalise your life insurance policy to best suit your needs and goals. Some of the most common ways to personalise your protection policy are: ​ - To be covered for life, or for a certain period of time - To be covered individually or with your partner - The type of insurance; level, increasing or decreasing term - The type of payout; lump sum or income ​ ​ Contact us for a tailored advice solution! ​ For a full assessment and recommendation of your insurance and protection needs, contact us or request a call back from an adviser who will discuss your situation and help arrange the best insurance package for your needs. ​ ​ ​ We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the insurance areas in which you have asked us to provide a service. We act for you and not the insurer in connection with the services we provide. We will not charge you a fee for our services relating to insurance but we will receive a commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Mortgage Protection - Critical Illness Cover get a quote Critical illness cover protects you in the event of a major health crisis ​ ​ Your policy will cover your monthly outgoings or healthcare costs, leaving you to focus on getting better ​​ You can personalise the cover to suit your family's requirements & budget Diane was amazing, really professional and helpful I would highly recommend to anyone How does critical illness cover work? Critical illness cover pays out a cash lump sum if you are diagnosed with a critical illness during the length of your policy. How much you are entitled to will depend on the policy you take out and how much you choose to pay each month. ​ ​ How much critical illness cover do I need? ​ We will assess your individual circumstances and recommend the right level of cover for you which meets your budget. Some things we consider are, do you have any mortgages or debts that would need to be repaid if you suffered a critical illness and can your family to support themselves without your income? ​ ​ Am I eligible for critical illness cover? ​ As long as you’re a UK resident, over 18 years old, then you should be eligible for critical illness cover. As with all insurance policies, this is subject to other factors such your lifestyle and medical history. Diane Wright Financial Services will assess your needs and eligibility. ​ ​ What am I covered for? All critical illness policies must cover: certain cancer conditions, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. Most good policies cover more illnesses than this so it's important to compare from a wide range of insurers. We have access to a huge range of insurers and can help you find the best policy for your needs. Get in touch here for advice from our experts. ​ ​ How much does critical illness cover cost? ​ The amount that your critical illness insurance will cost depends on: ​ The amount of cover you’re looking for Any pre-existing medical conditions you have Your current personal circumstances and lifestyle The length of your policy ​ You can add critical illness insurance on to a life insurance policy quote; find more information about life insurance here . ​ ​ Contact us for a tailored advice solution! ​ For a full assessment and recommendation of your insurance and protection needs, contact us or request a call back from an adviser who will discuss your situation and help arrange the best insurance package for your needs. ​ ​ ​ We provide an advised service. This means that we will assess your needs and make a personal recommendation for each of the insurance areas in which you have asked us to provide a service. We act for you and not the insurer in connection with the services we provide. We will not charge you a fee for our services relating to insurance but we will receive a commission from the product provider. The commission will be calculated as a proportion of the premiums paid for the insurance product. You will receive a quotation which will tell you about the fees and charges relating to any particular insurance whatsapp drop us a message on whatsapp send a message via whatsapp email us diane.wright@linearfs.com eden.linnell@linearfs.com send us an email call us 01933 418 917 07709 426 137 request a call back