Cookies Policy
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Home / Cookies Policy
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Information about the cookies used on this site.
Our website uses cookies to distinguish you from other users of our website. This helps us to provide you with a good experience when you browse our website and also allows us to improve our site.
A cookie is a small file of letters and numbers that we store on your browser or the hard drive of your computer if you agree. Cookies contain information that is transferred to your computer's hard drive.
This site uses four types of cookies:
Strictly necessary cookies: These cookies are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies some services cannot be provided.
Functional cookies: These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customise. They may also be used to provide services you have asked for such as watching a video or commenting on a blog. The information these cookies collect may be anonymised and they cannot track your browsing activity on other websites.
Performance cookies: These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
Tracking cookies: These cookies record your visit to our website, the pages you have visited, the material you have downloaded and the links you have followed. We will use this information to make our website and the advertising displayed on it more relevant to your interest and to provide information to our sales team. We will also provide this information to third parties for these purposes.
You can find more information about the individual cookies we use and the purposes for which we use them in the table below:
|
Cookie |
Type of cookie |
Purpose |
Expiry period |
|
UMBRACO |
Strictly Necessary |
Essential server |
Default expiry is 10000 minutes |
|
civicAllowCookies civicShowCookieIcon |
Functional Cookie |
Cookie Control: When you click "I'm happy with this..." on the Cookie Control pop-up message, a cookie is set in order to remember your preference. These cookies are set only after the user has given consent to us to use cookies. |
Three months |
|
__utma |
Performance Cookie |
Google analytics- tracks number of visits to the site |
Never |
|
__utmb |
Performance Cookie |
Google analytics- tracks length of time on the site |
30 minutes |
|
__utmc |
Performance Cookie |
Google analytics- tracks length of time on the site (works with __utmb) |
30 minutes |
|
__utmz |
Performance Cookie |
Google analytics- tracks where the visitor came from |
6 months |
|
__ptca |
Tracking Cookie |
These cookies are used to collect information about how visitors use our site. We use the information gathered by these cookies to compile reports and to help us improve the site. The cookies also help us to customize our marketing efforts through various media and formats. |
Never |
We may access cookies stored on your computer when you visit our website or when you open an email from us. We are able to do this by including web beacons (also known as clear GIFs or web bugs) in our emails. Our web beacons do not store additional information on your computer but, by communicating with our cookies on your computer they can tell us when you have opened emails from us and what pages you look at.
Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be performance cookies or tracking cookies.
To delete cookies or web beacons that are already on your computer, please refer to the instructions for your file management software to locate the file or directory that stores cookies or web beacons. You can block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. However, if you use your browser settings to block all cookies (including strictly necessary cookies) you may not be able to access all or parts of our site.
Our goal is to respect your privacy. To help us improve our privacy practices please contact us, we welcome your comments and queries.
If you would like more information about cookies, you might like to visit www.allaboutcookies.org
Unlock the answers you seek- the best solutions often start with the right questions!
FAQs
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Why do I need to protect my income?
You are invested in your career, so it’s vital to protect your lifestyle & future income. If you were unexpectedly having an illness or injury that stops you from working you need to be able to take care of your important financial commitments while you recover. Missed payments to mortgages and other credit committments or utility bills can not only wreck your credit profile but in extreme circumstances can mean having bailiffs at the door and the risk of repossession is high. Think about your back up plan, what does your employer give you, are you going to use up all your savings, if you even have any?
We will find the most suitable plan for your needs from the whole of market providers.
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How much will advice cost me?
Our fees are detailed in our Terms of Business, however, each individuals’ circumstances are different therefore we are unable to confirm an exact fee before the initial consultation, which is free of charge.A typical fee for a standard residential or BTL purchase is £495. When we have learnt of your financial goals, we will advise you of our fee at which point you can decide if you wish to proceed. A point to note is we do not charge any fee until you have received a mortgage offer.
-
How much can I borrow?
The old system of 3.5 or 4 x your income is gone and now we need to know all your income sources together with all your debt details. We then use a multi lender affordability system to calculate your borrowing ability from over 50 lenders in a single go. It is important not to take on new debt before you are considering a mortgage as any and all monthly payments to debts reduce the level of income to be used in calculating affordability. As a ‘guide’ if you multiply by 12 ALL your monthly payments to loans, HP agreements and credit card payments (using 5% of the balance as a minimum payment) and deduct from your total income and then multiply by 4 you will not be far away, but this needs finalising by your adviser.
