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  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Residential Mortgages for Home Movers book your initial appointment If you're planning to move home, our mortgage advisers can guide you through the whole process ​ ​ We can compare from a wide range of lenders to ensure we 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 is concise, patient & pleasant to deal with and I would not hesitate to mention her name to one of my peers What is a residential mortgage? A residential mortgage is a type of loan designed to help the borrower purchase a house, using the property as security against the loan. ​ The mortgage is a loan secured against the property which you then pay back in monthly installments over an agreed term with interest added. These details can be personalised to suit your needs & budget. ​ ​ How much of a deposit do I need? When you take out a mortgage, you’ll need to pay a percentage of the property value up front as a deposit, and then borrow the rest. Most Lenders require a minimum deposit of 5% of the property value or purchase price, whichever is lower. ​ ​ Types of residential mortgage Interest is charged on mortgages in three different ways, depending on the type of mortgage product you choose. ​ Fixed Rate Mortgages With a fixed rate product, the rate of interest you pay is fixed for a set term (most commonly two, three or five years ). This means you can budget properly, knowing that your monthly payments will remain the same amount for your chosen term. ​ Variable Rate Mortgages With a variable rate mortgage , you’ll pay what is referred to as the lender’s standard variable rate (SVR), which changes monthly at the discretion of the lender, tracking general economic changes in the country and in the lending market. ​ Tracker Mortgages The interest rate you pay when you take out a tracker mortgage will vary monthly as well but will directly track changes in the Bank of England base rate, staying a set percentage above it during the tracker rate period. ​ ​ ​ Why do I need a mortgage adviser? Our Mortgage Advisers work with you every step of the way to make the mortgage process straightforward, saving you time and effort on one of life’s biggest decisions. ​ Going directly to your bank limits your options and opportunity of getting the best deal for you. With so many different types of mortgages available, applying for one can be a confusing & stressful process. Diane Wright Financial Services has access to hundreds of products and can quickly find you the ideal mortgage for your needs. ​ By expertly dealing with each lender on your behalf, this ensures an efficient application to obtain your mortgage offer as quickly as possible. ​ Our aim is to save you time, hassle and money. ​ Whether its a First Time Buyer mortgage, a remortgage or a complex mortgage you require such as Self Employed Mortgage , Contractor Mortgage or Buy to Let Mortgage , our experienced Mortgage Brokers can source the best product which meets your needs ​ Your dedicated specialist adviser will take you through the whole mortgage process from offer and application to completion, organising the mortgage and sourcing the best conveyencer, solicitor and surveyor for your requirements ​ 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 - 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

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Residential Mortgages for First Time Buyers book your initial appointment Applying for your first mortgage can be a daunting process, but we'll be here every step of the way ​ ​ We can compare from a wide range of lenders to ensure you choose the best rate for your budget ​ ​ We can even advise you on your affordability ahead of time so you can find your perfect first home Service provided by Diane Wright was excellent & very professional in everything she dealt with ​ Can I afford to buy a house? Before you start looking at properties, you need to know how much you can afford to borrow and how much deposit you will need. ​ There are various buying shemes available, such as a shared ownership and shared equity. This means you could purchase a percentage of the property, usually between 25%-80%. You would then pay monthly rent or interest on the share that you don't own. This is a great way for first time buyers to get their foot on the property ladder. ​ Other costs should be considered when planning to purchase your first home, including survey costs, solicitor's fees and insurance payments; as well as furnishing & decorating costs. As a first time buyer, you will not be required to pay any stamp duty (up to a property value of £300,000). ​ We can take you through a Cost of Moving and Affordability assessment so that you know all of the costs involved in buying your first property before, during and after the purchasing process. ​ ​ ​ When should I begin the process? Even if you are still saving up your deposit, it's never too early to begin the process. By finding out your affordability, you'll have a much better idea of the amount you can borrow, meaning you know your budget when you start house-hunting! By knowing your affordability, you'll also have a clearer idea of the amount of deposit you require. ​ ​ What is a residential mortgage? A residential mortgage is a type of loan designed to help the borrower purchase a house, using the property as security against the loan. ​ The mortgage is a loan secured on the property which you then pay back in monthly installments over an agreed term with interest added . These details can be personalised to suit your needs & budget. ​ ​ Types of residential mortgage Interest is charged on mortgages in three different ways, depending on the kind of loan you choose. ​ Fixed Rate Mortgages With a fixed rate plan, the rate of interest you pay is fixed for a set term (most commonly two, three or five years ). This means you can budget properly, knowing that your monthly payments will remain the same amount for your chosen term. ​ Variable Rate Mortgages With a variable rate mortgage , you’ll pay what is referred to as the lender’s standard variable rate (SVR), which changes monthly at the discretion of the lender, tracking general economic changes in the country and in the lending market. ​ Tracker Mortgages The interest rate you pay when you take out a tracker mortgage will vary monthly as well but will directly track changes in the Bank of England base rate, staying a set percentage above it during the tracker rate period. ​ ​ 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

    If you have any questions, just get in touch! We're looking forward to hearing from you 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 whatsapp drop us a message on whatsapp send a message via whatsapp Get in touch to book your initial appointment Please complete your contact details below, including the best time to call you back visit us 30 High Street, Rushden NN10 0PW book an appointment I'd like a quote for... arrow&v 00:00 00:15 00:30 00:45 01:00 01:15 01:30 01:45 02:00 02:15 02:30 02:45 03:00 03:15 03:30 03:45 04:00 04:15 04:30 04:45 05:00 05:15 05:30 05:45 06:00 06:15 06:30 06:45 07:00 07:15 07:30 07:45 08:00 08:15 08:30 08:45 09:00 09:15 09:30 09:45 10:00 10:15 10:30 10:45 11:00 11:15 11:30 11:45 12:00 12:15 12:30 12:45 13:00 13:15 13:30 13:45 14:00 14:15 14:30 14:45 15:00 15:15 15:30 15:45 16:00 16:15 16:30 16:45 17:00 17:15 17:30 17:45 18:00 18:15 18:30 18:45 19:00 19:15 19:30 19:45 20:00 20:15 20:30 20:45 21:00 21:15 21:30 21:45 22:00 22:15 22:30 22:45 23:00 23:15 23:30 23:45 Choose a time Please tick here to agree to our Privacy Policy View terms of use submit request Thanks for your request, an adviser will be in touch soon! Diane has consulted for me for a number of years, over many mortgages. I wouldn't use anyone else You voluntarily choose to provide personal details to us via this website. Personal information will be treated as confidential by us and held in accordance with GDPR May 2018 requirements. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone. By submitting this information you have given your agreement to receive verbal contact from us to discuss your requirements. ​ Request a call back from our expert mortgage & insurance adviser submit

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    you can also include the best time for us to contact you 00:00 00:15 00:30 00:45 01:00 01:15 01:30 01:45 02:00 02:15 02:30 02:45 03:00 03:15 03:30 03:45 04:00 04:15 04:30 04:45 05:00 05:15 05:30 05:45 06:00 06:15 06:30 06:45 07:00 07:15 07:30 07:45 08:00 08:15 08:30 08:45 09:00 09:15 09:30 09:45 10:00 10:15 10:30 10:45 11:00 11:15 11:30 11:45 12:00 12:15 12:30 12:45 13:00 13:15 13:30 13:45 14:00 14:15 14:30 14:45 15:00 15:15 15:30 15:45 16:00 16:15 16:30 16:45 17:00 17:15 17:30 17:45 18:00 18:15 18:30 18:45 19:00 19:15 19:30 19:45 20:00 20:15 20:30 20:45 21:00 21:15 21:30 21:45 22:00 22:15 22:30 22:45 23:00 23:15 23:30 23:45 Choose a time Please tick to agree to our Privacy Policy submit Thank you, we'll be in touch soon! fill in the form below to request a call back from one of our friendly advisers call us 01933 418 917 07709 426 137 email us diane.wright@linearfs.com eden.linnell@linearfs.com visit us 30 High Street Rushden NN10 0PW

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    Buy to Let Mortgages for Limited Companies 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 limited company buy to let mortgage? Getting a limited company Buy to Let mortgage may be easier than you think, they are available to: ​ Invest in houses or flats. New and Existing Limited Companies. Adverse Credit Records, Impaired Credit, or an Excellent Credit History - there are many lenders offering Limited Company 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 and buy to let 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 for a limited company buy to let mortgage, speak to 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

    expert mortgage & insurance advice request a call back from an adviser today submit

  • Diane Wright Financial Services | Expert Mortgage & Insurance Advice

    We're committed to making sure that you & your family are properly protected get an insurance quote Expert Insurance Advice ​ The expert advisors at Diane Wright Financial can help you with all of your insurance queries, whether you need life insurance, mortgage insurance, or home insurance. With a range of different specialty options covered by our team of knowledgeable and experienced advisors, you can be sure that when you come to us with questions, you’ll be satisfied. From our office in Rushden, we’ve provided our clients with exceptional service and an unmatched level of commitment to customer care, allowing each and every one of the people we work with to get the best insurance for their specific circumstance. We know that no two cases are ever the same, so we’ll work with you to understand how to best help you, figuring out what works and what doesn’t. Whatever you need insurance for, the team at Diane Wright Financial can help. ​ ​ Get in touch ​ Contact the team at Diane Wright Financial today to get the process started. We’re always more than happy to help and can’t wait to start working with you. If you have any concerns, questions, or queries, just get in touch and we’ll be happy to talk to you about the process. Our expert insurance advisors look forward to meeting with you and offering the best insurance advice in Rushden. Call today on 01933 418 917 or 07709 426 137 . life insurance A life insurance policy protects your family in the event of your death by paying off your mortgage life insurance family income benefit A family income benefit would pay your dependents a tax-free monthly payment to cover your bills & other monthly outgoings. family income benefit critical illness Critical illness cover will protect you & your family if you're unable to work. This policy could pay off your mortgage or monthly outgoings critical illness cover buildings & contents Vital for every homeowner, a buildings & contents policy protects your home and belongings if the worst should happen. buildings & contents cover income protection An income protection policy is vital if you become unable to work through illness or injury. income protection landlord insurance Landlord insurance protects both your investment property & any furnishing you've provided, as well as your rental income. landlord insurance Our expert advisers will provide you with the insurance that best suits your needs & budget If you are a homeowner and do not currently have any protection policies in place, then it is worth getting a quote to get yourself protected. Life insurance, critical illness cover, income protection and building & contents insurance are all considered essential. ​ If you already have mortgage protection policies in place, when are they due for renewal? By regularly reviewing your insurance policies, you could save yourself money every month. ​ Get in touch today for a bespoke quote that best suits you & your family's needs. get an insurance quote How to choose the right type of insurance The first decision you should make is what you need to cover - your family, your mortgage, your home or your lifestyle; or maybe even a combination of these. We've listed a few reasons to take out a protection policy below. This is a great starting point to working out your personal insurance needs. If in doubt, request a call back from an adviser here . if you die If you want to ensure that you & your family are protected in the event of yours or your partner's death, you could arrange for your family to receive a tax-free lump sum to pay off a mortgage or replace your income. learn more about life insurance if you're unable to work If you become ill and are unable to work, you can arrange to receive a lump sum payment to either pay off your mortgage or cover your monthly outgoings until you're back on your feet. This could also help with healthcare costs if necessary. learn more about critical illness cover Alternatively, you can choose an income protection policy, which would pay you a regular amount to replace your monthly income. These policies can be personalised by the payment amount, frequency, or even to fit around your employment sick pay to best suit your requirements. learn more about income protection 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 Diane was amazing, really professional and helpful I would highly recommend to anyone 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 - Income Protection get a quote A vital type of cover that every employed person should consider ​ ​ Your policy will replace your income if you are unable to work through illness or injury ​​ You can tailor the cover to suit your personal requirements & budget The whole experience from start to finish with Diane was perfect & smooth Why do I need an income protection policy? If sickness or injury meant that you or your partner were unable to work, how would you cover your monthly outgoings? ​ Any savings you might have would quickly disappear if they had to start covering your mortgage or rent payments, monthly bills, food shopping and travel costs. ​ An income protection policy can replace your monthly income and give you the peace of mind to focus on getting better. ​ ​ How much of my income will the policy replace? ​ This depends both on how much you earn and which premium you choose. A good starting point is to work out your essential monthly outgoings; rent or mortgage payments, household bills, travel costs and any debts – plus an allowance for everyday spending. ​ ​ Will having income protection affect my sick pay? ​ Not at all. The idea is that the insurance takes over when your sick pay ends. If you fall ill, some employers will still pay your salary for a set period – sometimes for up to 12 months. Check how much your employer will give you and for how long. ​ The longer you receive a salary, the longer you can make your deferment period. Many policies won’t pay out if you’re still receiving a salary. If you’re self-employed, you won’t have employee benefits, so income protection is something you should consider. ​ ​ Can I get income protection if I'm self employed? Yes, there are options available. Request a call back from our adviser who can talk you through the best policies for your situation. ​ ​ What is a deferred period? ​ The 'deferred period' is the time you’d have to wait before the policy begins to pay. Check how much sick pay you're entitled to as this will give you a good idea of when you would need your income protection to start. ​ 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