Image by Juliane Liebermann


The Mortgage and Protection Experts


 First Time Buyer

You’re going to have loads of questions to ask as a first-time buyer. You’ll want to know things like the best ways to get a mortgage, what type will be the most suitable for you and should you choose a fixed rate, a discount rate, capped or tracker mortgage. But luckily, we are on hand to provide all the help you need.

Home Mover

Moving home can always feel like a daunting prospect. If you’re doing it for the first time, it can be tough to know where the pitfalls are.

There are some important things to consider before you take out an all-important mortgage. Your home may be repossessed if you do not keep up repayments on your mortgage.

Re Mortgaging

So, you’re on the property ladder, whether that’s recently or you’ve been in your home for several years. If you’re out of the lender’s initial tie-in period, you will have automatically been placed on the lender’s variable interest rate, which almost certainly means you’re paying more each month in mortgage payments than you were initially.


Whether you’re becoming a landlord for the first time or you’re looking to expand an existing portfolio you will need to take out a buy to let mortgage rather than a standard residential mortgage. A buy to let mortgage is specifically for people who are buying a property to rent out to a tenant or tenants.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Life Insurance

Life insurance is pretty self-explanatory, it pays out a cash lump sum to your loved ones in the event that you pass away during the term of the policy.


Life insurance provides peace of mind to the ones that matter the most to you

Income Protection 

We offer a range of products, from a number of insurers, which empowers us, together, to tailor a plan specifically for you, and hopefully to give you the answers you need.

Home Insurance

We specialise in finding a plan that gives you the best cover at the best price; accidental loss or damage of personal items, specific high value items, bicycle cover and much much more - as well as essential fire and flood cover.

Private Medical Insurance

We only deal with the top 5 providers in the country, offering you and your family award winning cover. Making sure you have the right cover

"Richard Smith has been there every step of the way and provided a high level service"

- Fairouz

Young Couples