At 123 Mortgage and Protection Advice our aim is to offer a friendly, professional and trustworthy service tailored to suit your mortgage and protection needs.

By assessing your personal circumstances, we will recommend the most suitable mortgage and protection solution built around you and your family.

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Mortgages

We offer a comprehensive range of products from across the market, whilst maintaining a smooth experience for you.

There is usually a fee for mortgage advice. The precise amount will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

First Time Buyer

For those taking the first step onto the property ladder we offer our new clients a comprehensive mortgage advice across a wide range of options that are available to First Time Buyers, and we will find the most suitable mortgage to meet your needs.

From our first point of contact we will assist, and provide advice and guidance, on all aspects of your mortgage and the home buying process. We will support you personally and liaise with all of the third parties involved in your purchase, guiding you through each key stage to a successful completion.

  • Help to Buy
  • Gifted Deposits
  • Shared Ownership
  • Right to Buy
  • 95% Loan to Value
  • Low Credit Score

Moving Home

Buying and selling your home can sometimes be an exciting and yet a daunting process, help is on hand when and where you need it. Whether moving to a new family home, downsizing, or moving to a new area, selling and buying a property at the same time can be a challenging process for all concerned.

We are very experienced with these matters and can offer a high level of personal service and professional advice to ensure that the mortgage side of this process proceeds smoothly and as timely as possible.

As well as our mortgage advice, we will support you and liaise with all parties involved with your transactions and, help guide you through each key stage of the process to the successful purchase of your new home.

  • Exclusive Products
  • High Loan to Value
  • Large Loans
  • New Build
  • Self-Build
  • Let to Buy
  • Specialist Mortgages
  • Low Credit Score

Remortgages

An opportunity to compare the market to reduce your mortgage payments or to raise funds for home improvements or other purposes.

Re-Mortgaging has become extremely popular in recent years and as we have a competitive mortgage market, it is a good time to review your current mortgage arrangements.

If your existing mortgage product is coming to an end or you may be looking to raise additional funds for home improvements or other purposes, a suitable remortgage may well be the answer.

  • Access to Exclusive Products
  • Up to 95% Loan to Value
  • Fee Free products
  • Home Improvement Funds
  • Capital Raising
  • Transfer of Equity

Buy to Let

We can provide help and guidance for a first-time landlord or an experience landlord looking to expand their portfolio.

As well as the increasing demand for rental properties there is also a need for information and guidance in the changing Buy to Let marketplace.

From securing your first tenant to increasing the size of your property portfolio, we understand that there are many considerations and challenges for landlords.

So, for information and help with all aspects of your Buy to Let investments, please contact us now to make the most of your rental property by getting the right mortgage advice.

  • First Time Landlords
  • Portfolio Landlords
  • Ltd Company BTL’s
  • Fee Free Remortgage Products
  • Up to 85% Loan to Value

Protection and General Insurance Products

At 123MPA we want to ensure that once you have purchased your dream home, you continue to enjoy it for as long as you want. We provide bespoke tailored insurance solutions to protect you and your family and the things that are important to you should something happen that affects you or your lifestyle.

Life Cover

A mortgage is probably one of the biggest commitments you are ever likely to have. The amount of life insurance you take out will depend on your individual needs and circumstances but can be arranged to cover your mortgage, or other debts or simply to provide a lump sum payment to your family in the event of your demise. We will discuss your needs and tailor a solution to match the level of cover you wish to provide. Thus, giving your family and loved one’s financial security and peace of mind.

Critical Illness Cover

Critical Illness Cover is designed to provide you with financial protection upon diagnosis of a specified critical illness during the term of the policy. This is particularly important if you own a property and are currently paying a mortgage. If you are unfortunate enough to be diagnosed with a critical illness, your insurer will pay out a lump sum directly to you. You can use this lump sum to pay off your mortgage debt, cover your mortgage repayments, provide private health care, replace your earnings, make alterations to your home, or any other lifestyle changes that you may require.

Income Protection Cover

If you are unable to work due to an accident or illness, having Income Protection can relieve financial pressure by providing you with an income (generally up to 60% of your current income) to meet your financial commitments, thus allowing you to concentrate on getting better.

Buildings and Contents

It is usually a condition of the mortgage offer that suitable buildings insurance is in place when you exchange contracts, and at 123MPA we can advise you on cover to protect both your buildings and your contents. Thus, giving you peace of mind should anything happen to your property or belongings.

Our Range of Services

Equity Release

Some people consider moving to a smaller property or a less expensive area, but many have no desire to move in their later years of life. Your house holds a lifetime of treasured memories and there is also the hassle and expense involved in moving to a new house. Equity or capital that you have built up over the years in your property is usually locked up in your property and is often only a value on paper. However, using Equity release plans or Lifetime Mortgages, the ‘Equity’ can be accessed to provide an income, or make use of lump sums to make your retirement dreams come true.

IMPORTANT: 123MPA DO NOT offer advice for Equity Release or Lifetime Mortgage products but are able to introduce to fully qualified advisers who have extensive experience in this area and offer a personal and impartial service from the beginning to the end of the process. Their aim is to provide you the best solution that meets with your needs and aspirations.

Equity release refers to home reversion plans and lifetime mortgages. To understand the features and risks ask for a personalised illustration.

CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.

Bridging Finance

Bridging Finance products offer a short-term borrowing solution to customers who need to facilitate funds fast. Depending on your requirements your needs will be discussed and assessed to provide a suitable solution.

Second Charges

For second charge mortgages we act as introducers only. A Second charge or a Secured Loan is money that is borrowed and secured on an asset you own, usually your home.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. CONSOLIDATING DEBTS MAY INCREASE THE TERM AND TOTAL AMOUNT PAYABLE.

Commercial Mortgages *

* Commercial Mortgages are not regulated by the Financial Conduct Authority, and will be referred to a 3rd party provider. Neither Gurvinder Gill T/A as 123 MPA or Sesame Ltd are responsible for the advice received.

Contact Us

To talk about how we can help you or if you have any questions, please pick up the phone or send us an email using the details below:

Tel: +44 (0) 7831 601847

Email: info@123mpa.co.uk

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123 Mortgage and Protection Advice is a trading name of Gurvinder Gill. Gurvinder Gill is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

Your property may be repossessed if you do not keep up repayments on your mortgage

The Financial Conduct Authority does not regulate some forms of Buy to Let mortgages, let to buy mortgages and Bridging Finance.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

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