The Family Finance Report 2013 highlights that one of customers biggest fears is redundancy.

However, despite lots of people spending many hundreds of pounds insuring their home, car, pets and other belongings they overlook protection for their income, should they lose their job or be unable to work.

Redundancy insurance can be set-up purely to provide an alternative income should the worst happen (Accident, Sickness or Unemployment), or it can be arranged to cover a specific debt such as a mortgage (Mortgage Payment Protection Insurance).

Rates start from as little as £2.15 per £100 of monthly benefit – that’s around 7p per day!

For further details or to arrange for a personalised illustration please contact either 01224 900879 or 01358 268166.

Phil Anderson Financial Services Culture Statements

Integrity – Integrity is our guiding principle. We stand behind what we say we will do for our clients, our stakeholders and our people.

Honesty – We like people who are honest. Honest in argument, honest with advice, honest with our staff, honest with our suppliers – and above all, honest with our clients.

Customer Service – Continually ask our clients what they want and how we are doing. We must know our customers intimately; so well that we can anticipate and assist with their financial requirements. A strong relationship with our clients guarantees their satisfaction. We continually search out ways to exceed our clients expectations. If we don’t meet their needs someone else will.

Skills & Knowledge – Skills and knowledge become outdated quickly in the financial world. We must constantly develop our knowledge around all financial services. Our company believes training our team is the key to success for both the business and clients.

For every person we help to buy or rent a home, there is someone else living in fear of eviction

or repossession, and many thousands more who have no permanent place to call home.

That’s why we are proud to be a member of Shelter and Legal & General’s Brokering Change scheme.

From every mortgage procuration fee we receive, we make a donation to Shelter, the housing and homelessness charity, to help people who are struggling to meet their housing costs.

More than one million people a year go to Shelter for housing advice and support via its websites, helpline and national network of services.

Together we’re brokering real change for families in desperate housing need.

To find out more about Shelter’s work, visitwww.shelter.org.uk

Registered charity in England and Wales (263710 and in Scotland (SC002327)

Research from Nationwide Building Society shows that a third of mortgage owners are on their lenders standard variable rate.

Reviewing your mortgage could save you over £100 per month with remortgage rates starting from 1.74%. We can carry out a free review of your mortgage to see if we can save you money.

If you are on the Standard Variable Rate with any of the following lenders we are very keen to talk to you –

Santander – 4.74%

RBS/Natwest – 4.00%

Halifax/Bank of Scotland – 3.99%

HSBC – 3.94%

Woolwich – 3.89%

Skipton Building Society – 5.49%

Yorkshire Building Society – 4.99%

We offer mortgages from the whole of market. We will advise and make a recommendation for you on mortgages after we have assessed your needs. 
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.