At Panda Mortgage Services, we aim to look after you and your family for life.
Where the Customer is our priority. For a FREE mortgage consultation, call us or email paul@pandamortgages.co.uk
Whatever your current position, we can help. From advice on the house-buying process for first-time buyers, to reviewing your options if you are looking to move home, or if you want to review your mortgage as your current rate is coming to an end, we will be able to give a personal and tailored mortgage that fits your individual requirements.
We also advise and arrange mortgages for investors, both private and company buy-to-let mortgages.
First-time
Buyers
Mortgage Reviews
Buy-to-let Mortgages
Commercial Property Finance
Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority. You may have to pay an early repayment charge to your existing lender if you remortgage.
Why should I use a broker?
This is a very common question. Most of the money-saving experts recommend using a professional broker to arrange your mortgage. We can review all the lenders' rates and terms and the criteria to ensure you qualify for the mortgage, as all lenders have different criteria. We have access to the whole of the market and are not tied or restricted to any lender or group of lenders, giving you access to the best rates and terms.
Fee
A typical fee of between £295 and £495 is payable. This fee will be split between an initial payment of £95.00 at application with the remainder being payable at mortgage offer. This fee is for advice, research, recommendation and implementation (e.g. application and administration of arranging the loan). We will also be paid by commission from the lender.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Looking after our clients is paramount to Panda Mortgages Services. No one knows what life will throw at you and we are here to make sure that should the worst happen, we can give you the peace of mind of a lump sum or regular income so your loved ones will at least have some financial stability.
We have access to many types of policies, from giving you a lump sum to repay a mortgage if you die or have a critical illness, make sure if you are unable to work due to accident or sickness, you still have an income to making sure your family are financially stable if you are no longer to help provide for them.
We can tailor your protection plans to suit the budget you want and start with covering the areas that are most important to you with the option of adding benefits as time goes on.
There are a lot of different types of plans available to cover all different areas, so it is important to get advice from a fully qualified adviser to make sure you arrange the best policy to suit your needs, and the benefit gets to your loved ones as soon as possible.
All insurance policies require underwriting before terms can be issued, so conditions and exclusions could apply.
Life cover is a very simple policy. It pays an amount should you die during a set time scale.
It will pay a benefit either as a lump sum to repay a debt such as a mortgage, or you can arrange a policy which will give your family a regular income, so they still have an income from you to help towards the ongoing living costs.
All insurance policies require underwriting before terms can be issued so conditions and exclusions could apply.
A critical illness policy is a more comprehensive cover than life cover as it will pay a benefit on the diagnosis of one of the critical illnesses listed by the provider. Common conditions for claims are Cancer and heart attack.
As an example, according to cancerresearchuk.org 1 in 2 people born after 1960 will be diagnosed with some form of Cancer during their lifetime.
Having a critical illness could have a big impact both on your current life and future, all of a sudden, an affordable mortgage might become a financial strain, or you may not be able to return to work.
A critical illness policy could provide you with a lump sum to repay a debt such as a mortgage or you can arrange a policy which will give you a regular income so you still have an income to help towards the ongoing living costs if you are not able to return to work.
All insurance policies require underwriting before terms can be issued so conditions and exclusions could apply.
Our incomes allow us to do pretty much everything in life. From arranging borrowing for our houses and our day to day living to the holiday and hobbies we enjoy.
What if that income is no longer there? What impact would that have on you and your family?
You can look to protect your income through an income protection policy. This policy will give you a monthly benefit after a pre-determined period if you cannot work due to an accident or sickness. You may get sick pay from your employer, but do you know how long they will pay you for and what happens when that period ends?
You can arrange the policy to cover you for a short period of 2 years or full cover, which would be until you retire.
All insurance policies require underwriting before terms can be issued so conditions and exclusions could apply.
If you own or rent a property, then what have you got in place to protect your belongings and assets?
If you own your home with a mortgage, it is a condition of your mortgage that you have your buildings insured at all times.
What about protecting those personal items you have brought and been collecting over the years, are they protected against damage or theft?
We can arrange a buildings and contents policy to cover as much or a little as you want for both homeowners, tenants and landlords.
All insurance policies require underwriting before terms can be issued so conditions and exclusions could apply.
Panda Mortgage Services is also able to help in other areas of your life, which includes:
We also work in conjunction with other businesses to assist with:
Wills are not usually regulated by the Financial Conduct Authority. Wills, Commercial mortgages and Pensions and Investments are arranged by Introduction only.
© 2022 Panda Mortgage Services Limted
Panda Mortgage Services Ltd is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register under firm reference number 946222.
