mortgage advisor in portsmouth

Two out of three multiple sclerosis sufferers have one thing in common.

They’re women

There are around 100,000 multiple sclerosis sufferers in the UK1. In fact it’s one of the five most common critical illnesses claimed for2. What’s more, it affects twice as many women as men1.

 Multiple sclerosis is also very difficult to diagnose.

That’s why many providers use the standard definition from the Association of British Insurers to make decisions on a claim.

But at Bright Grey their definition of multiple sclerosis is better than that and means you don’t have to wait as long for your diagnosis to be confirmed3.

1 in 9 of all women’s critical illness claims were for multiple sclerosis2

81%   of the women who claimed for multiple sclerosis were 40 or younger2

65,000 women in the UK have been diagnosed with multiple sclerosis1

Sources: 1. www.mssociety.org.uk, May 2012. 2. Bright Grey claims statistics, 1 July – 31 December 2011. 3. This improved definition applies to menu plans with a quote effective date of 28 May 2012 or later.

So, if you’re thinking about critical illness cover, choose an insurer that acts sooner rather than later to help multiple sclerosis sufferers.

Talk to Park Gate. We’ll help you identify your individual protection needs and guide you through the various types of cover available to make sure you get the right cover at the right price. Call 01489 580020 or email info@parkgate.net

 

Borrowers who have recently used a payday loan risk having their mortgage application rejected, regardless of whether it was paid back.

Lender GE Money has stated that it will no longer consider applicants who have taken out a short-term, high-interest (payday loan) once in the past three months or more than twice over the past year.

Stating that as a responsible lender in a challenging market they have reviewed a range of data to make prudent mortgage lending decisions. Payday loan data is one of many items included in this review and if a mortgage applicant has a current or had a recent payday loan, it is unlikely that we will consider their mortgage application.

Companies specialising in credit checks have increasingly come under pressure to highlight payday loans on customer credit checks.

Global information company Experian now specifically lists payday loans separately in a departure from the previous practice of providing a more generalised overview of borrowing history.

If you are looking for a mortgage and have had a payday loan  within the last 12 months, call 01489 580020 and we can discuss your financial situation and provide you with the right product with the right lender for the right reason.

Mortgages
life insurance
home insurance
equity release

We offer whole of market advice for all types of customers, whether you are a first time buyer, home mover or looking to purchase a buy to let property. Being independent we are able to offer impartial advice from the whole of the market to ensure you get the product that suits your financial needs.

Whether you are looking to protect your mortgage payments or your family, we provide independent advice for life insurance, critical illness cover and income protection from a wide range of providers.

Buildings Insurance is a requirement when you complete on a mortgage the cover is to provide security to the lender, the insurance covers the main structure of your home. It will cover you for subsidence, storm, flood, fire or smoke damage and cover the costs of rebuilding or repair.

Equity release is a way of releasing cash from your property, either through selling a percentage to the reversion company or taking a mortgage on it, while allowing you, the homeowner to continue living there as long as you wish.