Choosing a mortgage is probably the biggest financial decision you will ever make.  We have access to schemes that aren’t available directly and over thirty-five years’ experience helping our clients through an ever-changing market.  We cover the whole process from initial enquiry, checking your mortgage offer, liaising with your solicitor about completion and arranging the required insurance.

We will find you a mortgage product to specifically suit your own individual requirements.  Whether you are a first-time buyer or looking to re-mortgage, we will recommend the most appropriate product to suit your needs after a thorough and in-depth analysis of your requirements.  A mortgage is potentially the largest financial transaction of your life and, therefore, every enquiry is treated with the respect that it deserves.

Residential Mortgage

A mortgage used to purchase a property that a client intends to reside in. There is so much information, speculation, opinion, and sheer myths surrounding people’s requirements that it would be impossible to provide a simple indication of what is required to obtain a mortgage that is affordable for you on a webpage.  Why not simply contact us for an informal chat?  Many of those that have done so often find that it is not so complex after all and have gone on to buy their own home when their initial feelings were that it wouldn’t be possible.

Buy-to-Let Mortgage

A mortgage used to buy a property that a client then intends to let out to paying tenants.  This is an increasing proportion of our business.  If you feel that you would like to explore this area, contact us for qualified advice.  Again, there is a myriad of information, opinion, and speculation as to what is needed to obtain a buy-to-let mortgage.  Don’t let hearsay and unqualified “advice” put you off if you feel this might be an opportunity for you.  We will provide you with the information and advice to help you make an informed decision.  Most Buy-to-Let mortgages are not regulated by the Financial Conduct Authority.

Mortgage Protection

Life Insurance

Life Insurance policies pay out if you die within a specified period. This is usually the cheapest way to provide financial protection for your family in the event of your death.

Why do I need Life Insurance?

Coming to terms with the loss of a loved one is never an easy thing to do and adding financial burden to the grief can make coping even more difficult. Receiving a lump sum of money can help to support your family or even a business partner after you die. Some of the reasons to take out life insurance could include:

  • Mortgage repayment
  • Covering childcare costs
  • Education expenses
  • Replacing lost income

We will find you an insurance product to suit your own individual requirements and recommend the most appropriate product after a thorough and in-depth analysis of your needs. Protecting your family is a vital part of financial planning and every enquiry we receive is treated with the respect it deserves.

Critical Illness

Critical illness insurance pays out a lump sum if you survive a specified critical illness such as many forms of cancer, a stroke, MS, heart attack, blindness, deafness and with some providers, the loss of a hand. You can use the money to pay for medical treatment, repay your mortgage, adapt your home or anything that would ease your financial worries.

Increasingly, medical advances have resulted in people surviving illnesses from which previously they would have died. These conditions often have a devastating effect on the person’s ability to earn a living often causing considerable financial hardship at a time when financial pressures are least desirable. We select products from within the UK marketplace and recommend the most appropriate to suit your individual requirements after a thorough and in-depth analysis of your circumstances.

Income Protection

Unless one is lucky enough to be independently wealthy, or have retired with a good pension, most people’s financial security is totally underpinned by their ability to earn a living next month, next year, and often into the next decade. Think about it for a minute. What happens if you get sick or become disabled? You probably even know people who have unfortunately gone through this trauma. If you are employed, your employer may pay you for a few months, sometimes even a year, but if you are self-employed or run your own business, your income is quite likely to stop almost immediately. Income protection will replace the income that you can’t earn yourself, thereby ensuring that at least financial worries don’t add to your health issues. We have an extensive panel of specialist providers that can help you select the right provider and level of cover for your individual circumstances. We normally arrange our client’s cover with providers who will cover those with specialist professions, such as our many musician clients, for whom an injury that might be considered “minor” could be the end of their career.

Take a moment... think what would happen if you were unable to work due to sickness or disability, then get in contact for a no obligation conversation about how we can help you protect yourself and provide the real peace of mind this cover provides.

David Carnac & Co is a trading style of David Carnac Financial Services Ltd. David Carnac Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.
Limited Company Number 09392030.
Registered in England and Wales at 7 Birley Road, London, N20 0HB

We normally charge a fee for mortgage advice. However, this will be dependent on your circumstances. Our typical fee is £595. Your home may be repossessed if you do not keep up repayments on your mortgage.

David Carnac & Co.

David Carnac & Co.
020 8343 8629
07958 280089

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