We always look to match our propositions against our competitors endeavouring to find a better product at a lesser price
We have several affiliate and introducer propositions, so with some commitment, you can earn extra each month to help with your life, choices and dreams.
Knowing that you have quality products for you and your loved ones.
We can help with the legal side of your house move.
Lending in later Life?
Planning and paying for your funeral can provide peace of mind for you and your family.
Finding the right mortgage for you is so important and at Arise you can have a complete hand holding process.
Make sure you can continue to live in a similar manner when you retire.
Being well is important but so is access to medical help when you most need it.
Are you protected against unexpected events that occur in life?
Do you need help moving your precious items?
Why not borrow the equity in your property?
Do you need a survey of your home before you buy?
Your Utility bills can be reviewed for savings, simplicity and service.
We take the confusion away from Estate Planning by ensuring you get bespoke solutions to your requirements.
We will introduce you to a conveyancer who works independently and is used to dealing with all of the major mortgage providers. Thereby giving you peace of mind as they act on your behalf.
Lending in later Life?
There are two equity release options:
You take out a mortgage secured on your property provided it is your main residence, while retaining ownership. You can choose to ring-fence some of the value of your property as an inheritance for your family. You can choose to make repayments or let the interest roll-up. The loan amount and any accrued interest is paid back when you die or when you move into long-term care.
You sell part or all of your home to a home reversion provider in return for a lump sum or regular payments. You have the right to continue living in the property until you die, rent free, but you have to agree to maintain and insure it. You can ring-fence a percentage of your property for later use, possibly for inheritance. The percentage you retain will always remain the same regardless of the change in property values, unless you decide to take further cash releases. At the end of the plan your property is sold, and the sale proceeds are shared according to the remaining proportions of ownership.
Looking into planning a funeral is something that is so important to protect you and your family. This is against the rising funeral costs which are currently rising much faster than inflation. A pre-paid plan fixes the cost of the funeral director’s fees and services and as long as you live there will be no additional cost towards these.
Liz as a nurse has seen so many people struggling to arrange funerals in a time of grief and this can be compounded by funeral costs. However, when a funeral plan is in place this reduces some of the stress. Families are able to take some time and be reassured that the funeral being undertaken, will be that which, was wanted by their loved one.
A plan can be paid for straight away or through a range of monthly payments. One plan can be shared between a couple and used by either at the first or second death. Any funeral plan can be transferred at the request of the person who purchased it to anyone of their choice.
We understand that preparing to buy your first home can be exciting but also a bit daunting and stressful experience. At Arise we take those pressures away. The right mortgage for you depends on your personal circumstances and we are here to help take any confusion away.
Generally speaking, moving to a new home will mean a new mortgage too. Whether you will need to increase the size of your loan or not, it’s a good time to have a look around and ensure that you get the very best deal on your mortgage.
This can mean either switching lenders or sticking with the same one – whichever option offers the best deal. Whatever the reason for deciding to remortgage, you will need to work out what you can afford and what it will cost you. We can help with these calculations.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
A pension is money you will use to live on when you retire. Most people get a state pension from the government which covers your basic needs. It is also a good idea to try and save some extra money in a pension fund, to give you your preferred standard of living.
We understand you may not want to leave your health in the hands of an overstretched NHS at present, that’s okay because we are experts in finding you a Private Medical Insurance deal that’s right for you and your circumstances, and we provide you with all of the following completely free.
We help you think about the best options for your needs to protect you and your family
By taking out life insurance cover, you will have peace of mind that your family and loved ones will be financially secure in the event of your illness or death. They would still have money to be able to pay mortgage, bills and living costs etc. without having to rely on others for help. There are many different types of life insurance and we will help you understand the correct level of cover for you.
Income protection insurance (formally known as permanent health insurance or long-term disability insurance) is a long-term insurance policy designed to support you if you are unable to work due to illness or injury.
This type of cover is useful if you are concerned about whether or not you could cope financially in the event that you lost your job through redundancy or ill health.
We know that everyone of our customers has different needs, which is why no two moves are ever the same. Whatever your situation, we offer a comprehensive moving services, which means we can personalise the entire move to suit your needs, timescale and budget.
We are committed to delivering a high quality, local service. Whether it is a local move or a move overseas we can assist. From talking you through the process and providing you with a detailed quote so there are no hidden fees and from a name you can trust.
Our network serves every corner of the United Kingdom and Ireland. We provide a personal service delivered by our local operational teams and ensure customer service is our highest priority.
Secured loans – also known as homeowner loans, home loans or second-charge mortgages – allow you to borrow money while using your home as ‘security’ (also called ‘collateral’). This means the lender can sell your property if you aren’t keeping up with repayments, as a way of getting their money back.
As with other types of loans, you’ll make set monthly repayments to pay back what you owe, plus any interest. The interest rate is calculated as a percentage of the amount you owe – it may be fixed or variable depending on the loan you’ve chosen. As long as you make the monthly repayments on time and in full, you won’t lose your home.
When finding the perfect home, it’s easy to be seduced by the look and feel before you understand its condition. You may want to ensure the building is sound or detect defects and determine the extent of any repairs required. That’s why it’s worth requesting a detailed report for probably the most important purchase you will ever make!
The mortgage company will probably offer a basic survey so be sure you know what it covers and whether this is enough.
There are typically two types of survey; a homebuyer report and a building survey. We will look at the property online initially and advise you which report will be most suitable for you. We will then arrange for the surveyor to go to the property and undertake the appropriate survey.
We can provide you with a quote to bring your utility bills together making it simpler – this will include:
A will makes it much easier for your family or friends to sort everything out when you die – without a will the process can be more time consuming and stressful.
If you don’t write a will, everything you own will be shared out in a standard way defined by the law – which isn’t always the way you might want.
A will can help reduce the amount of Inheritance Tax that might be payable on the value of the property and money you leave behind.
Writing a will is especially important if you have children or other family who depend on you financially, or if you want to leave something to people outside your immediate family.
A Lasting Power of Attorney is a legal document which lets you appoint someone (or multiple people) who you trust to act on your behalf in different areas of your life.
We are only ever a phone call away and will talk you through every stage of the process to give you the confidence to offer you a professional Estate Planning service.