How we can help
First Time Buyer 
Remortgages 
Buy to Let 
Specialist Mortgages 
Commercial 
Life Insurance 
Critical Illness 
Income Protection 
Family Income Benefit 
Other Services
Mortgages for first time buyers
Along with all the other stresses that go with buying your first property you'll no doubt be finding the mortgage industry can be daunting to tackle alone. Our team has years of experience in helping First Time Buyers achieve that all-important mortgage to get on the property ladder.
Lifetime Individual Savings Account (LISA)
If you aren't quite ready for that first purchase just yet we can help you get your finances in shape ready for when you are. Through our qualified and regulated Independent Financial Advisers we can arrange investment products specifically designed to help you get on the property ladder with attractive government bonuses.
Help To Buy (HTB)
After being introduced in 2013, the Help To Buy scheme has assisted First Time Buyers in purchasing new build properties where they would otherwise be unable to accumulate a sufficient deposit through a further government backed equity loan.
If you're thinking of taking advantage of the HTB scheme while it is still active our brokers will be able to assist you in working out how it will fit within your plans.
Remortgages
You could be looking to remortgage for a number of reasons.
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The mortgage you're on is coming to its end
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You're looking to unlock value (equity currently within your home)
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Your circumstances have changed and you need to find a more suitable product.
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You might be on an expensive deal because of circumstances when you signed up to it but you're now eligible for a cheaper product.
Whatever causes you to seek out a new deal our expert brokers will be able to guide you through the pros and cons of each solution and help you decide the best route forward.
Buy To Let
Your successful investment in property starts here.
Utilizing our experience in the buy to let market we can help you plan and structure your strategy to maximise your potential.
Whether you're a new landlord looking to aquire your first property or an experienced portfolio landlord our brokerage services will enable you effectively plan how to get the most out of your assets and grow your wealth.
Most buy to let mortgages are not regulated by the Financial Conduct Authority. During our advice process, we will make you aware of your rights and protections based on each we look to provide.
Specialist Mortgages
You could be looking for specialist product for a number of reasons. Whether you're looking for
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Large Loans
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Finance on unusual properties
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Adverse credit mortgages
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Second charges
We can help you navigate these complex areas of finance.
Commercial Mortgage Brokers
We can help you secure finance on a range of commercial terms:
Development Finance
When developing property it's important to have the right resources when you need them. We can help your project stay on track with a range of product designed for builders.
Commercial Premises
Bridging finance
Most types of Commercial mortgages (including bridging) are not regulated by the Financial Conduct Authority. During our advice process, we will make you aware of your rights and protections based on each we look to provide.
Life Insurance
A life insurance policy is designed to protect you and your family financially in the event of an untimely passing.
Our expert insurance brokers will help you determine your needs and arrange a policy that will suit your objectives
Helping you understand your insurance policy and ensuring you have suitable cover for your needs
Critical Illness
Critical Illness Cover (CIC) is an insurance policy that financially protects you if you fall ill to a range of specified illnesses.
Speak to our adviser who can review and advise on relevant cover.
Income Protection
Every year around one million individuals find themselves unable to work and earn an income because of illness or injury according to the research done by the Association of British Insurers (ABI). *Source ABI statistics
With an income protection scheme you are financially protected from these events by receiving a pre determined income from your policy if you are too unwell to work.
A wide variety of policies are available with various terms and conditions but most have flexibility that allow you to choose from a range of terms and level of cover.
During our consultaion we will identify where you may have a need for an income protection policy and what level of cover would be appropriate for you and your family.
Family Income Benefit
A family income benefit is design to cover the life of a person in the event of their passing. Unlike the more common life insurance policies these offer regular income which could be used to replace a lost salary.
It's also not uncommon to see these policies covering a spouse who raises the children in a relationship as both roles have significant impact on a family's income / expenditure.
Our trained experts can advise you if a Family Income benefit insurance policy is right for you and your household.
Other Services
Accountancy & Tax
Property is a complex area with many different rules that can apply dependent on your scenario.
Through our sister company Fordham Finance Group LTD we offer a range of specialist services that can help you through every step of your financial life. Whether you're looking for structure advice on potential aquistions, statotry accounts and tax returns or planning on tax mitigation for an upcoming disposal we have you covered.
These services are not regulated by the FCA as they are covered by their own regulatory body. We provide a separate letter of engagement under a separate cover from any of our services not covered by the Financial Conduct Authority, making clear the different rights and protections that apply to each area.
Financial Advice including investments & pensions
As well as general products such as pensions and ISAs we can also assist with more in-depth tax planning, utilizing the Enterprise Investment Scheme (EIS), Business property relief (BPR) and more
Throughout the processes we assess your situation and tell you when we think there might be opportunities that our other services will enable you to take advantage of.
Financial advice is provided by Fordham Regulated Services trading as Fordham Investment Services. Financial advice is regulated by the Financial Conduct Authority. We issue separate initial disclosures and letters of engagement for these services explaining your rights and protections.
Past performance is not a guide to the future.
Prices can fall as well as rise meaning you may not get back the value of your original investment. Investment returns may fluctuate and are not guaranteed.
