0113 265 3759 info@responsemortgages.co.uk
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Recent Posts

  • Instead of moving out of your Council House, why not buy it?
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TERMS & CONDITIONS

Your initial mortgage consultation is free of charge.
There may be a fee for our mortgage service if you decide to proceed to application, this is typically £495
and we will retain any commission that may be paid by the mortgage lender.

The precise amount will depend on your circumstances and mortgage loan amount and will be
discussed and agreed before you make a mortgage application.

LEGALS

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Response Mortgage Services Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/ under reference 435582.

The Financial Conduct Authority does not regulate taxation and trust advice, some forms of buy to let mortgages and some investment mortgage repayment strategies such as shares.

View our Privacy Policy.

Response Mortgage Services Ltd is registered in England No. 5478452.

Registered Office: Suite 6.1 Unit 6 Mortec Park York Road Leeds LS15 4TA
Telephone 0113 265 3759

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction, we are obliged to offer you the Financial Ombudsman Service to help resolve this.  Please see the following link for further details www.financial-ombudsman.org.uk

This site is for UK residents only

Response Mortgages
Suite 6.1, Unit 6,
Mortec Park,
York Road,
Leeds,
LS15 4TA

0113 265 3759
info@responsemortgages.co.uk

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Life Cover

Making sure your family is protected

Life assurance allows you to make sure your family is protected in the event of your death, during the policy term. You choose the amount of cover you need and the length of time you want to be insured for. Your premiums will never change (unless you change the amount of cover held under the policy or alter the plan), allowing you to budget with confidence.

Why do you need it?

The loss of a spouse or parent can leave dependants with additional issues to cope with other than the emotional. If you are inadequately insured, your dependants may be left with a dramatically reduced household income, which could affect their quality of life. Potentially there may be reduced opportunities for children such as the ability to pay for a university education or difficulties in maintaining mortgage payments on a reduced income. In the event of your death, a lending institution will not write off your debt. Rather, they will continue to pursue the debt through your dependants and could, ultimately, foreclose on the loan meaning the loss of the family home.

What will the State provide?

The main benefits the State may provide are the Widowed Parent’s Allowance and Child Benefit. Depending on whether the widow(er) qualifies for Income Support, the State may or may not help with paying the mortgage interest. The method for calculating which benefits an individual may qualify for is extremely complicated. More information is available at the Department of Work and Pensions website.