Email: geoffrwilkes@outlook.com
Tel: 01902 332446
Geoff Wilkes Financial Services Ltd specialise in mortgages & protection insurance, providing professional Independent Financial Advice.
As a mortgage broker in Wolverhampton I specialise in mortgages and also protection insurance which includes life insurance, critical illness cover, income protection, house and contents and also accident sickness and unemployment cover.
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I specialise in Mortgages and also Protection Insurance which includes Life Insurance, Critical Illness cover, Income Protection, House and Contents and also Accident Sickness and Unemployment cover.
For mortgages, I deal with the whole of the market and do not charge fees. If you do a mortgage through me, I will be paid a commission from the lender which is all disclosed to you before the application. The product is the same as if you went direct to the lender.
Appointments are usually arranged at your house and can be during the day or in the evening whichever is best for you. I offer a friendly but professional service where your needs are the first priority.
Mortgages
Mortgages are one of the largest single transactions in most people’s lives. Buying a property can be a stressful and time-consuming experience; nowadays the financing of a mortgage is a case of finding and selecting the most suitable mortgage, rather than simply accepting a lender’s offer.
Banks, building societies and smaller niche lenders compete for your business, all offering a variety of interest rate deals, associated fees and other enhancements to attract borrowers.
The two main methods of repaying a mortgage are repayment (capital and interest) and interest only. It is also sometimes possible to set this up using a combination of the two.
Protection
Financial products are sometimes at their most useful when they are protecting our families, our incomes or our property.
Whilst insuring ourselves against an undesirable event such as sickness or death, may not be a pleasant thing to think about, the benefit of being able to set financial issues aside at emotionally difficult times cannot be overlooked.
There are various ways in which a family can protect itself, and because of the large range of products available, there is usually an appropriate policy for most circumstances, and most budgets.
We can help with many ways to protect your family and your standard of living when you need it most.
Wills
If you die without a Will, then the government will decide who will inherit your estate in accordance with the Rules of Intestacy. These were drawn up in the 1920s, and despite major revisions in 2014, may not accord with your wishes.
Depending upon circumstances and the size of your estate, your spouse may end up sharing your assets with your children. Married partners or civil partners inherit under the rules of intestacy only if they are married or in a civil partnership at the time of death. So, if you are divorced or if your civil partnership has been legally ended, you can’t inherit under the rules of intestacy.
The full laws of Intestacy depend on which part of the UK you live in and can be found on the government website here https://www.gov.uk/inherits-someone-dies-without-will/y.
General Insurance
Whether you rent or own your home, insuring it makes sense. There are two main types of home insurance to consider – buildings and contents. As the names suggest, buildings insurance protects the property itself, whilst contents insurance covers the furniture, furnishings, appliances, clothing and all your possessions.
Whatever the type of property you live in, even if it’s ‘non-standard’, the chances are we’ll be able help you to find the cover you need. We’ll also be able to help you get the right cover for all your home contents.
Although the value of properties and their contents will vary, it’s important not to underestimate just how much the contents of your home are worth – your electrical and technology items alone could easily add up to thousands of pounds. Gadgets such as tablets are small but relatively expensive and can easily be damaged or stolen. Take a look around you; how much would it cost to replace all the contents of your home?
Although we all like to think that it won’t happen to our home, unfortunately, accidents, fire, burglary and other mishaps are not uncommon. So, whilst it’s tempting to think that home insurance is one expense that can be avoided, such a decision could prove to be a false economy.
The good news is that we can help.
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