Emery Mortgage & Insurance Services - Independent Advice from Certified Mortgage Specialists


		e-mail us

		Bank of England Base Rate 5.00%

























			Overseas Property




	mortgage & insurance services


	Insurance Services


	Buildings Insurance


	Insurance to cover the structure of the building in the event of perils such as fire, storm damage or burst pipes. Cover can also be added for accidental damage and usually includes liability to the public. If the property is leasehold the insurance will normally be arranged by the freeholder and the cost charged as part of the service charges that are applied to the leaseholder.


	Contents Insurance


	The insurance of property within a residence, such as furniture, clothing and personal possessions. Cover for fire, theft, water damage, accidental damage and liability. Other cover can usually be added, for example, for items away from the property, business equipment used at home and legal expenses.


	Mortgage Payment Protection Insurance


	Insurance cover to protect the borrower against inability to meet mortgage payments through accident, sickness or redundancy.


	Term Assurance


	The insured person or persons covered against death within a fixed period of time, subject to premiums being paid as they fall due.


	Lender Conditional Insurance


	It is a condition of all mortgages that buildings are insured. In some cases it may be a requirement of the mortgage that the lender arranges the insurance cover. This could be buildings, contents, payment protection or a combination of all three.


	All of the protection products named above have benefits and drawbacks. Drawbacks can include extensions and limits to the amount of cover. We will discuss these with you before we make a recommendation.


	We do not charge a fee for our insurance services. There may be a fee for our mortgage advice, the precise amount will depend on your circumstances, but we estimate this to be £99.00. Written details on request; there are additional fee payment options.


	YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

	Emery Mortgage & Insurance Services is an Appointed Representative of Network Data Limited which is authorised and regulated by The Financial Services Authority for regulated mortgage & insurance business only. Emery Mortgage & Insurance Services are entered on the Financial Services Register (http://www.fsa.gov.uk) under reference 414055 and Network Data Limited is entered on the register under reference 300391.

		The guidance and/or advice contained within this website is subject to the UK regulatory regime & is therefore primarily targeted at consumers based within the UK.

		Copyright © 2006 Emery Mortgage & Insurance Services. Proprietor - Rob Emery CeMAP. Emery Mortgage & Insurance Services are not responsible for external websites.

		Registered Correspondence Address - 5 Champernowne Crescent, Ilfracombe, North Devon EX34 9PL. You can e-mail us by clicking here.

		*Home visits, including evening appointments, are available in Ilfracombe, Braunton, Barnstaple, Exeter, Exmouth and their surrounding areas. If you are not in any of these areas we would be happy to provide our range of of mortgage and insurance services to you over the phone. Please contact us if you would like to arrange an appointment.




	click for details...

	Mortgages Lifetime Mortgages Conveyancing Loans Mortgage Payment Protection Home Insurance Life & Critical Illness Income Protection Funeral Plans Equity Bonds Savings Investments Let Property Insurance