Sunday, 10 February 2013 18:06 Published in Blog

Mortgage rates are coming down.

Sunday, 10 February 2013 00:00 Published in Blog

Now is the time to buy!

Wednesday, 06 February 2013 00:00 Published in Blog

LIFE INSURANCE. I'm still young, i dont need it yet.

Sunday, 03 February 2013 15:16 Published in Products

Can we reduce your overheads?

  • We are not authorised via Personal Touch Financial Services to provide commercial mortgage advice. We will refer you to a suitably qualified and authorised 3rd party.
  • Business protection. Key Man/Share options etc.
  • Business Utility Rates available
Sunday, 03 February 2013 15:14 Published in Products

Make your savings here....

  • We have access to a comprehensive range of providers
  • Buildings & Contents cover
  • Connections with Letting Agents
  • We can make you money on your tenants utilities
  • Portfolio's to sell? Buyers waiting!

Leave your details, and we will call you straight back.

Just call us on 07946 294 162 and I'll talk you through your options.

The Financial Conduct Authority does not regulate most Buy to Let Mortgages

Sunday, 03 February 2013 15:11 Published in Products

Commercial - Employment - Dispute Resolution

Commercial Property - Family Law - Commercial Property

Residential Property - Will and Probate - Personal Injury

For all your Legal Matters, we recommend you speak with Marsden Rawsthorn Solicitors.

Marsden Rawsthorn Solicitors are a progressive and forward thinking firm of solicitors in Preston and Chorley, dedicated to bringing clear, practical guidance to private and commercial clients throughout Lancashire and the North West.

Their team comprises solicitors who specialise in company and commercial law, commercial property, construction, employment law, dispute resolution, family law, personal injury, residential conveyancing, Missold PPI claims, wills, probate, trusts, and landlord and tenant disputes.

Combining a culture of innovation with a history dating back to the mid-nineteenth century and beyond, their team of solicitors are informed by a rich tradition and a formidable pedigree. By embracing change and continuing to build on these foundations they have become established as one the longest standing, most well respected legal firms in Lancashire & North West.

Marsden Rawsthorn Solicitors have continued to develop and grow particularly from their new offices in Preston by constantly embracing new developments and keeping clients at the centre of their activity at all times. In this way they have built relationships that span decades and mature into highly productive partnerships

As they move forward they remain committed to maintaining a culture of innovation. Continually embracing new technologies and approaches they will further improve their service, communicate more effectively with their clients and ensure that in everything they do, they are thinking clearly.

Their website provides an introduction to their extensive range of legal services and highly qualified team of solicitors. It also offers comprehensive guidance on a vast range of legal issues, developed to help bring clarity to the complex legal matters you may be facing. Please feel free to explore their FAQs, tool kit and briefings sections for a rich resource of relevant legal information.

Please mention when you visit or call.

Preston Office

Faraday Court
Faraday Drive

Tel: 01772 799600 - Fax: 01772 651831

The Financial Conduct Authority does not regulate Will Writing

Sunday, 03 February 2013 15:02 Published in Products

The Financial Conduct Authority does not regulate Debt Management Advice.
Please remember that any debt solutions will probably effect the clients worthiness and their ability to obtain credit in the future.
Fees are charged for the services provided.

See the information lenders see when deciding whether or not to give you credit.

Click here to view your Experian credit report online for FREE

About EuroDebt
EuroDebt is a specialist and independent fee charging Debt Management Company that has offered Debt Adjustment and Full & Final negotiation services since 1996 and has been operating Debt Management Plans since 2000.

A wealth of Debt Management experience
Eurodebt are currently helping over 18,250* people with serious debt problems relating to over 150,000 active payment plans with over 3,700 creditors, including all the major banks and credit card issuers, amounting to over 450 million of unsecured debts.

Since 2000 Eurodebt have negotiated with lenders on over 300,000 individual credit agreements to establish reduced payment arrangements.

On average a EuroDebt client stays on their Debt Management Plan for 57 months*.

This demonstrates that Eurodebt have an excellent record of our clients maintaining their plans and consistently making creditor payments. This is important for most creditors because it means they will agree to full & final settlements if your circumstances materially change.

For many clients a Debt Management Plan is appropriate as a transitional programme where adverse personal or household circumstances create major reductions in household income or increases in expenditure. Entering a EuroDebt plan demonstrates to your creditors that you are taking a responsible attitude to your financial affairs until you can resume paying contractual commitments or settle your debts.

Industry Knowledge
Their senior management team have held executive roles in a number of leading credit granting and credit services organisations, including, leading banks, mortgage providers, credit reference agencies, debt collection agencies and with industry bodies.
Understanding how the credit industry operates is very important in representing our clients with unmanageable debt problems.

National Network
EuroDebt has over 100 trained and experienced Advisors that visit prospective clients in the privacy of their own home. The Advisors are supported by over 150* office based client support staff, whose primary focus is to ensure the Debt Management Services are professional and personally delivered to our clients.
Eurodebt have recently invested in state-of-the-art new offices in Bedford with additional capacity for growth.

No Re-financing
Eurodebt do not introduce or broker any re-financing services and our policy is not to encourage people in unmanageable debt situations to borrow more money.

Eurodebt will, however, discuss the advantages and disadvantages of re-financing if this remains a viable option, based upon a client's individual or household circumstances.

A very personal service
In September 2006 and October 2007 Eurodebt surveyed over 3,800 clients and the average score for our overall service performance was "Very Satisfied" with a 21% return rate.

All Eurodebt's new clients are now surveyed 6 months after they sign their Debt Management Agreement and start their Single Payment Plan.

Since July 2007, 73% of the clients that responded confirmed that they would recommend someone in similar financial circumstances to EuroDebt.

* Accurate at April 2008

This information is supplied by Eurodebt and are an Introducer to Eurodebt for which we get paid commission on any services used.

The Financial Conduct Authority does not regulate Debt Management Advice.
Please remember that any debt solutions will probably effect the clients worthiness and their ability to obtain credit in the future.
Fees are charged for the services provided.

Sunday, 03 February 2013 14:58 Published in Products

Sometimes known as Income Protection.
Renew your policy today & receive upto 2 months free cover...

We use a range of other insurance providers and their products may be more suitable for your needs
T&C’s apply

  • A monthly benefit for up to 24 months
  • Up to 90% of your net monthly income
  • Variable excess periods
  • Unemployment only option
  • No lengthy contract

Am I eligible to apply?

To apply you must be aged between 18 and 62, a UK resident in permanent employment of at least 16 hours per week and not aware of any impending unemployment.

What am I covered for?

This policy is designed to provide you with a monthly income should you be made unemployed or redundant.

How much cover can I have?

You can cover up to 90% of your net salary up to a maximum of £3000 per month.

How long does the policy have to be in force before I can make a claim?

The initial exclusion period is the first 90 days after the start of your plan. However, if you are replacing an existing policy which you have held for at least 3 months, then this exclusion will be waived.

How long can I claim?

Claims will be paid until you return to work, or until you have received the maximum number of monthly payments (maximum 24) you have chosen.

Unemployment Cover

When will my benefit payments start?

You can choose the following excess periods; Back to Day 1 or 30 Days. Please note: Payments are made 30 days in arrears, therefore if you choose Back to Day 1 as your excess period your 1st payment will be paid to you 30 days after you become unemployed. If you choose 30 days as your excess period your 1st payment will be paid to you 60 days after you become unemployed.

Can I change my cover?

Yes. Policies are designed with the intention that you can keep the same policy for many years, altering the different commitments that you cover and also the level of cover.

Can I include accident and sickness cover in my plan?

Yes. To get a quotation please contact us on 07946 294 162 and we will call you back.

Sunday, 03 February 2013 14:55 Published in Products

Renew your policy today.

  • Home Emergency cover
  • Up to 5 years NCB
  • First Time Buyer Discounts
  • Legal Expenses
  • Landlords cover

We use a range of other insurance providers and their products may be more suitable for your needs

When did you last review your policy?

Just call us on 07946 294 162 and we'll talk you through your options.

Saving is a trading name of Carma UK Ltd which acts as a credit broker not a lender.

Sunday, 03 February 2013 14:38 Published in Products

You probably have Life Insurance, most people have!

BUT... When did you last review it? Is it still suitable? Is it in Trust?

Why buy from a comparison site, when you can have fully protected BESPOKE advice?

Using the best providers around, can find you the most suitable policy at the best possible price.

Recently premiums have decreased and thanks to medical research new types of polices are being created all the time.

It is a very competitive market at the moment, but to make sure you choose the correct provider, you need to speak to a professional.

Call Steve now on 07946 294 162 for full advice and recommendation.

Choose from:

Level Life Cover:

  • With Level cover, the Life Insurance amount and premium remain fixed throughout.
  • This simple protection policy will pay the cover amount if you die within the policy term.
  • It could pay a cash sum to help look after your family's future and interest only mortgage upon your death.

Decreasing Cover:

  • The cover amount reduces each year roughly in line with your mortgage - yet the premium remains fixed.
  • Decreasing cover could help to protect a standard repayment mortgage if you die during the policy term.

Critical Illness Cover:

  • Would you find it difficult to pay your way if you became critically ill?
  • Who would support your children, parents or pay off your mortgage?

Adding Critical Illness cover to your Level or Decreasing policy will pay a cash sum if you're diagnosed with one of the defined critical illnesses detailed in the policy. These change from provider to provider.

If there is something you specifically want covered, let us know.

Critical Illness cover can also be taken out separately; it could relieve pressure on your finances at a time when you need them most.

Just call us on 07946 294 162 and we will talk you through your options.

Mortgage Calculator

(for guidance purposes only)





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