Refer a friend for a mortgage and protection review with us and for every completed case we will donate £100.00 to Jacqui’s Million Campaign. Call us and help make a difference to everyone. 01274 590944

Jaqui’s Story

In 1993, I had successful surgery to remove a small mole from my right leg, which was diagnosed as a Melanoma, and for many years after I was clear of cancer. However, in 2009, a lump appeared in the same place and after numerous tests unfortunately it was a secondary cancer, which is virtually unheard of. Some would say I am extremely unlucky, I say I am blessed as I was referred to the Leeds Cancer Centre, where since that time I have been receiving treatment as my cancer is malignant in stage 4.

Three operations on my leg by the amazing Howard Peach ensured I could keep doing what I do best – dancing and choreographing! In 2011, the Melanoma had spread to my lungs. Oral chemotherapy thankfully kept things at bay for two years, but the tumour in my right lung had escalated to such a degree that in February 2015, again another wonderful surgeon Kostas Papagiannopoulos removed the tumour and also my right lung.

Since then, I have continued with chemotherapy and other drugs for the side effects and although the above sounds devastating I am really positive and living every day to the full. Life expectancy for an “average” person with my condition is usually one year – but as the specialists say “I am not average”... and here I am nine years on! I say “Everyone is terminally ill, it’s just that I’m not getting off at this terminus”. I am still busy living a fun-packed life.

So, Jacqui’s Million is all about raising awareness, positivity and also much needed funds for the Leeds Cancer Centre.

During the time I have spent there as a patient, I have come to see first-hand the tremendous work they do, long hours, low pay, but with an ethos that is truly outstanding – they really are all angels. My goal and legacy is to raise £1 million for the Leeds Cancer Centre, and if I can get one million people to donate just £1 then the job would be done! This money will be used in a variety of ways, but specifically for all cancer patients from children to adults. We all know someone who has cancer or a loved one who has died from this terrible disease and every two minutes in the UK someone else is being diagnosed. So if you can please help me with my appeal as every penny donated does really count.

One day we will beat cancer.

Yorkshire Post - March 09 2019

Choosing the right place can be crucial for a Buy-to-Let Landlord.

ASIDE FROM your home and buying shares in a property company or fund, there is an excellent alternative way to gain from the rising value in bricks and mortar. Using your judgment for an aspiring district and selecting a site which will appeal to the right tenants can be a successful investment formula.

'Buy to let' (BTL) is now an established savings vehicle. Hamptons International calculate that £59.1bn was paid in rent last year, even though average rents rose only 0.4 per cent. Its monthly index is based on 90,000 properties let and managed by Countrywide, the UK’s largest estate agency chain.

Read full article

"This team is unbelievable!".  The help and advice they provided me was a absolutely fantastic.  Richard Willan went the extra mile in helping me, me and my partner couldn't be more grateful.  Highly remommend them". 

Great testimonial from happy clients in Baildon, West Yorkshire.

Today's advice for property buyers. When buying a property we all know that you are keen to get the keys as soon as possible, however regardless of what your estate agent may tell you, we advise not instructing a solicitor until your mortgage broker has decided which lender they are using for your mortgage.

Why? Because the solicitors you select need to be on a lender’s panel, if they are not, you would need to change solicitors – this can be a costly error especially as you’ll be the one paying. Check before you instruct.

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

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Richard took a genuine interest in us and aligned himself with our situaltion.  His knowledge and assitance in what is a very confusing process for first time buyers was increadibly helpful and a crutch for us throughout the entire process.  Upon finding our dream house Richard moved swiftly on our behalf to show the vendor the seriousness of our offer.  His endeavour, advice and support through the process was invaluable.  We ow a huge gratitude to Richard and Altogether Financial for helping us secure our forever home.

What a fantastic testimonal for us and specifically Richard Willan - Well done Rich!

Altogether financial was a fantastic service. Having Richard advise us was like working with an expert member of the family. I genuinely felt he was doing everything he could to get the best deal for us. In my words "my own Martin Lewis”. Not only did Richard and the team help with the mortgage first time but also helped us through a house move and a renewal of mortgage not to mention life insurance. I cannot recommend him highly enough and have already recommended to many friends who have also benefited from the service.

Clients in Bingley, West Yorkshire

According to a recent article in FT Adviser, "Homeowners in Britain are woefully under-prepared in the event of long-term sickness, accident or ill health."¹

Nobody plans to get hit by a bus but these things do happen! Should you be left unable to work do you have a plan in place to keep paying your bills and mortgage?

Royal London's recently commissioned State of the Protection Nation research highlights that only 19% of people with a mortgage have income protection in place, which leaves 81% unprotected!² Is this you?

While you’re probably aware of the benefits of protection, the expertise of an adviser can help steer you in the right direction to ensure you’re protected when you need it most. If you take a look at LV=’s Risk Reality Calculator it will show you the likelihood of needing to claim on income protection, critical illness cover and life cover based on their research.

But it’s not only mortgage holders that need protection in place, renters need income protection just as much as homeowners. After all, the chances of an accident or illness making you unable to work don’t go away just because you rent!

Contact us today to see how we can help you find the right income protection policy for your needs, our panel of providers can offer something for everyone, so there’s no excuse! 

Sources:

1. FT Adviser, 8 out of 10 mortgage holders have no income protection, May 2018
2. Royal London, State of the Protection Nation, May 2018
3. LV= Risk Reality Calculator http://riskreality.co.uk/gen

Over the last two years the Association of Mortgage Intermediaries have been working closely with HMRC regarding the changes in how self-employed applicants evidence their income when applying for a mortgage. HMRC is phasing out the issuing of SA302s.

People who are self-employed and who are looking to purchase or re-mortgage their home will need to register to use HMRC’s self-service system to obtain a tax calculation and a tax year overview. Lenders have agreed that this is an acceptable way to evidence of income, even if this is provided via third party software. If you use Accountant to do your returns, they should be able to provide this document for you.

Altogether Financial Solutions

Good luck Under 9's for the new season ahead.

UK workforce to grow as entrepreneurs optimistic about economy: http://bit.ly/1006client-article1