Who is HCH Financial Services - Are we just a mortgage broker?

 

Yes, and yet …………… 

 

We also offer a full range of services, which have helped our Clients with their financial plans and strategies for over 30 years, as follows; 

 

• Residential mortgages - we provide you with access to a vast range of high street banks and building societies, specialist lenders and numerous other banks, in order to help you to buy your new home, remortgage your current deal, and raise capital for home improvements etc 

 

• Buy to Let and Holiday Let mortgages - invest in property to achieve capital growth and regular income. As long established, expert property investment focused mortgage advisers, we can help with strategies, and finance options 

 

• Bridging loans - buying at an auction, or buying an unmortgageable 'refurbishment' project? Short term loans are great solutions to help you buy a property fast and secure those opportunities. 

 

• Mortgage life cover - all mortgages, loans, finance etc., they are actually just, simply, a debt. These contracts, between lender and borrower, need to be repaid should the borrower die during the term. We will help you to arrange the appropriate mortgage life cover to ensure those contracts are properly covered. 

 

• Family life insurance - a loss of the family's 'breadwinner' means that the household could lose a substantial regular income. Together, we will plan what you and your family needs financially and we'll recommend the most suitable strategy to help to ensure continued financial security. 

 

• Personal critical illness insurance protection - a sudden diagnosis of a critical illness (eg heart attack, cancer, stroke etc) could have a huge impact on the household income and finances, leading, possibly, to bills not being paid, medical expenses not being covered, being stuck on waiting lists .... A lump sum insurance payout could help provide that peace of mind that these issues don't become catastrophic on top of your health issues too. 

 

• Life Insurance Trusts - we help to facilitate the new policy Trust for you, enabling you to arrange a full and speedy payout to who you specifically want the monies to go to. Policies not in Trust could potentially be subject to delays, claims and a reduction in proceeds. 

 

• Wage / salary cover - signed off work? Unable to earn an income due to an illness, sickness, disability? We can show you the wage protection plans that can help plug some of the income gap that would only otherwise cause you financial worries. This is a useful policy for people who are employed and who's employers benefits don't last too long (or they don't have any in place at all), but this policy is crucial for self-employed people where there are absolutely no employers benefits in place proving any replacement income. 

 

• Family income benefit life insurance - this is a form of life insurance which, instead of paying out a lump sum amount (usually required to pay off a mortgage amount), will pay a regular income to your surviving loved ones. This is a fantastic solution where a lump sum would only cause further financial planning issues, and where a plan to pay the ongoing regular bills is much more suited and needed. 

 

• Wills and estate planning - .... so many reasons to write a Will. Let your family know what your preferred funeral wishes are, donate to charities, leave specific items or cash gifts. 

 

 

To go back to the original question, is HCH Financial Services a mortgage broker, we definitely are mortgage brokers, but we also provide our Clients with access to the widest range of ‘peace of mind’ financial solutions for all individual, family and business requirements. 

 

To have a discussion about where you are right now, what you hope to achieve and all of the options and solutions that we can offer, contact the HCH Financial Services team by ‘phoning us on 0333 12345 36, or email advice@hchfs.com