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AP Financial Services have been trading for 10 years seeing clients that want to review their financial options over a range of solutions .We are based in Maidenhead but have upto a 60 mile radius

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AP Financial Services History

History

AP Financial Services have been trading for 10 years seeing clients that want to review their financial options over a range of solutions .We are based in Maidenhead but have customers upto a 60 mile radius. A large amount of customers refer our financial services to friends and family. We have a very simple approach without jargon and look to treat all customers fairly. As an independent we offer whole of the market financial advice. We offer a commission and a fee basis. Unlike many companies we offer daytime from 10am and evening appointments upto 9pm in the clients home as well as at our office Monday to Friday.

House purchase

We can help you find the most appropriate mortgage based on your circumstances using a sourcing system that has the facility to sift the up to the latest contracts available. Often with exclusive payrates not available on the high street. We also follow the process through liaising with estate agents developers solicitors. We talk you through all the stages of the purchase explain costs and give updates on application progress.

Mortgage Protection

This option offers cover protecting your mortgage in the event of death, critical, Illness and long term sickness subject to your selection .All are individual contracts but are important to protecting your financial commitments.

Income Protection

This offers similar contracts but the benefits are put in place to ensure the replacement of lost income to safeguard los of pay. Some employers offer limited schemes but often can be less than people think and are not portable if you change employers.

Permanent Health Insurance

Commonly known as PHI this type of contact covers a range of incomes in event of illness subject to percentage of actual income and can cover upto a selected age .It has a varied deferment period. Insurers base the cost on all these factors plus age occupation and health.

Permanent Medical Insurance

This is known as PMI and covers things like private hospital treatment for a large range of medical conditions from which you can chose a package that can be selected dependant on your wishes.

General Insurance

We offer a referral service to a major UK Brokerage who offer covers from Accident sickness and Unemployment to landlord insurance and specialised motor cover. Also available are Building Contents policies and Public liability insurances.

Mortgages tailored to your needs

Introduction

A mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

In the last 2 years it has been harder to secure a good interest rate for many clients and this is driven by the more equity or deposit you have then the less the risk to the lender which is normally reflected in the rates offered.

We are not tied to any particular lender, which means that we have the ability to act on your behalf, representing your best interests, in order to establish the most appropriate mortgage solution for you.

The lending community itself has undergone dramatic change, with many lenders either merging or ceasing lending altogether. Fewer lenders means less competition, and those lenders still in the market have only limited amounts to lend, so they aren't competing so hard with each other if borrowers do not have a substantial deposit.

Lenders have become much more careful about who they lend to, and on what terms.

We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move home.

Based on the information you provide in your meeting with our adviser (it is essential that you provide truthful and up to date information), we will search the mortgage market reviewing the lenders available, some of which offer exclusive products to brokers such as ourselves, to determine which lender will offer you the most attractive mortgage options suited to your particular requirements.

Once we have collected all the information on your circumstances we can discuss your enquiry, source the products on your behalf, answer any queries you may have and provide you with any further information you may require.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE