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Mortgages and Protection

Mortgages are possibly the largest single transaction in most people’s lives. Buying a property can be a stressful and time-consuming experience, although nowadays the financing of a mortgage is a case of finding and selecting the most suitable deal, rather than simply accepting a lender’s offer.

1st Financial Foundations are committed to finding you the right mortgage that suits your individual requirements and circumstances. As your mortgage will be one of the biggest financial commitments you will ever make, we believe it is vitally important to make sure you always have the most appropriate mortgage available. We will also guide and assist you through each step of the home-buying process.

There could be a number of reasons why you would want to move house, such as wishing to move to a bigger property, downsizing or simply moving to somewhere more preferable. Whatever the reason, it can still be a very stressful experience, especially if you haven't moved for some time. At 1st Financial Foundations, we understand each step involved and realise that most transactions require a simultaneous completion. Our advisers can guide and assist you through the full process, and we strive to liaise with you and all other parties to make your experience as pleasant and as stress-free as possible.

At 1st Financial Foundations, we have access to the whole of the mortgage market. Our team of advisers has the necessary knowledge, experience and understanding to find the best value for you based on your needs and circumstances, and we can guide you through and assist you with all the required criteria.

In addition, we can advise you how to:

Property Investment

When it comes to investing in property, wealth is not only generated in the buying or selling, but also in the waiting.

Securing your financial future by investing in additional properties is a long-term commitment and could include owning:

A second home
Not just an escape at weekends, but a valuable source of additional rental income plus long-term increases in the property’s value

With people living longer, divorcing more often and staying single, buy-to-lets are still very attractive. Tenants pay your mortgage and the capital value of the property increases

Overseas holiday homes
Emerging property markets have provided some of the biggest capital gains for investors in recent years, as well as providing rental income from holiday lets

Whatever your reason for investing in property, you need to make sure that you’ve considered all the risks, especially when dealing in overseas markets, otherwise you could end up with a nasty surprise instead of a good return on your investment.


As much as we like to think we’re invincible, we must all be prepared for unexpected financial shocks. It’s especially important in the early stages of your wealth creation plan when you may have small children and little disposable income.

The right insurance products will protect your income and assets and provide for your dependents if you’re too ill to work, made redundant or die. There are a large number of different types of insurance available, each with numerous variations in their cover and limitations, so come and talk to us and we’ll find the right products to protect your wealth and provide for your family.

Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The precise amount will depend upon your circumstances, but we estimate that it will be £1,250.

Buy-to-let mortgages are not regulated by the Financial Conduct Authority and therefore you will not have any rights under the Financial Services Ombudsman or Financial Services Compensation Scheme.

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