Specialist mortgage and insurance advice for Business Owners.
Helping you to protect your profit, secure your income and buy the home you really want.
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Insurance and Mortgage Planning for Business Owners
Owning a business can be very rewarding, but it can also be very risky.
As a result, many mortgage lenders may offer you lower loans, higher rates or even decline you all together. This can leave you feeling penalised for being tax efficient or even risk you losing out on your dream home.
Fortunately, that’s where we come in, but first – how sustainable is your profit/income?
Do you have a business continuity plan in place? What would happen to your profit and income if you or a key person in your business were unable to work?
Many business owners have commercial insurance in place, but few cover against the biggest financial threat – the loss of people that are key to its success.
A bigger problem is that Business Owners aren’t getting the advice they need to make decisions about how to protect themselves.
Whether you are looking to buy a dream home, grow your business or achieve financial security, as a Business Owner, you need to do it on solid financial foundations.
That’s where we come in.
Our tailored insurance and mortgage plans are designed to help you –
– Protect your profit, income and financial security
– Borrow more, pay less and buy the home you really want
As a small business, we understand small business and our specialism allows us to remove the hassle from you and deliver the solution you need in a fraction of the time.
For a FREE consultation with no obligation, get in touch with us and we can arrange a call at a time to suit you.
Resources For Business Owners
Company Director Mortgage using Profit vs Dividends
Company Director Mortgage using Profit vs Dividends For prudent Company Directors, being as tax efficient as possible is usually a priority. It's common for Company Owners to take a small salary and dividend as income and leave excess profit in the business. However,...
Company Director Mortgage for a Dentist
Case Study - Company Director Mortgage for a Dentist Arranging a Limited Company Director mortgage for a Dentist can be a challenge. Company Owners who need a mortgage often approach us after being unsuccessful elsewhere. For example, Anil and his wife jointly owned a...
What is Business Protection
What is Business Protection? According to the latest State of the Nation Report from Legal and General, a major challenge with Business Protection is that many people don’t really understand it. For example, many have heard of ‘Key Person Cover’, but don’t really know...
What is a Professional Mortgage?
Most working people would consider themselves professional. However, when it comes to mortgages, the term 'Professional' has a different meaning. So, what is a professional mortgage and how does it work? What is a Professional Mortgage? A "professional mortgage" isn't...
Limited Company Director Mortgages
An Introduction to Limited Company Director Mortgages Arranging Limited Company Director mortgages can be a challenge. When company owners try to balance taking the income they need with being as tax efficient as possible, this can create restrictions when applying...
Introduction to Executive Income Protection
The latest L&G State of the Nation Report suggests that many Business Owners may not have heard of Executive Income Protection. Given the value it can offer to Small Businesses and Limited Company Owners, here’s a simple introduction to Executive Income Protection...
Relevant Life Insurance Plans
The latest edition of Legal and General’s State of the Nation Report suggests that a majority of Business Owners have never heard of Relevant Life Insurance Plans. Given the potential benefits of this type of policy, it’s important to understand the basics. What is...
Is it possible use company profits instead of dividends as a Limited Company Director?
When seeking a mortgage, Limited Company Directors may explore the option of using profits rather than dividends to assess affordability. This can be advantageous, especially as many directors opt for smaller dividends, preferring to retain profits within the...
Is Business Protection Tax Deductible?
Premiums for Business Protection are usually paid for by the business. The tax treatment depends on the type of policy so it’s best to seek advice from your Accountant. There are also some policies which are treated as employee benefits. Namely these are – Relevant...