park gate mortgages

Do you need gadget insurance?

Well, with things like mobile phones, laptops and sat nav’s a part of our everyday lives, imagine how much more difficult life would be if the items you rely on were not there anymore.

For example, have you ever tried to find a working telephone box when you are out and about? Or, if you relied on your sat nav, how would you get home when you are in unfamiliar territory without it? The impact of being without these things can be surprising!

Most of us probably don’t give much thought as to what would happen if these items were suddenly stolen, damaged or lost. However, without them, even putting aside the practical side of things as to how we’d manage, the financial aspect of having to replace these items can be substantial too.

And that is where Gadget Insurance comes in – this innovative product can protect your gadgets and electronic items against such things as theft, mechanical breakdown and accidental damage (including liquid damage).

You can insure your gadget against loss too. If you select the loss option, for an additional £1 per month, we will replace your gadget should you lose it. Loss cover isn’t available for laptops or iPads.

So, is Gadget Insurance for you?

Get quote for Gadget Insurance cover at Protect Your Bubble

 

The Bank of England’s Monetary Policy Committee today voted to maintain the official Bank Rate paid on commercial bank reserves at 0.5%. The Committee also voted to increase the size of its asset purchase programme, financed by the issuance of central bank reserves, by £50 billion to a total of £325 billion.

In a November’s Mortgage magazine over half of mortgage advisers polled said they expected the base rate to stay at 0.5% until 2014 or longer as the global economic outlook darkens, while 34% said they expect an increase in 2013.

Last month the Centre for Economics and Business Research (CEBR) predicted interest rates to stay at 0.5% until 2016. Its other forecasts included inflation falling to 1.7% by Q4 and to remain around 2% thereafter, and for quantitative easing to increase to a total of £400bn over 2012.

HSBC has decided to restrict the number of conveyancers it uses to transact its mortgages.

The panel will consist of 42 firms, however customers will be free to use their own solicitor, although HSBC will still instruct a firm from the panel for its own legal work if they do so Customers will therefore be offered an incentive to use a solicitor from the panel.

HSBC only deal with customers directly, therefore using a local mortgage adviser to research the market and consider all your options and associated costs could save you money and save you trying to deal with two solicitors.

For impartial advice on mortgage products for purchase or remortgage direct deals or advised products, please give us a call on 01489 580020 or email your enquiry to info@parkgate.net

I have found dealing with Parkgate was a very comfortable experience. After explaining what my requirements were, Parkgate were very efficient at finding the right product to suit my needs and give me information on future products to keep by budgets in line for short and longer term options.

 All in all a very good company who go that little bit further with their personal service, it shows a company cares when they go out of their way to find the more suitable options.

Kevin really did go beyond the call of duty for my complicated remortgage. He supported and advised me at all stages and I really could not have done it without him. I would definitely recommend his services at any opportunity. Thank you so much!

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.