What happens if I do not have a Will?
If you pass away without a Will, you will leave your loved ones with far more work to do after your death. It is highly likely that your possessions will not be distributed the way you want.
Instead, the government has laid down rules called intestacy rules which state who has authority to act on the distribution of your estate. These government rules also stipulate who will inherit your property and possessions. It is unlikely this will match your own wishes and it typically has a negative tax consequence as well as cause potential heartache. For example a partner may not receive anything, a house could be split and other wishes may not be followed.
Mortgages to Purchase a Property
Mortgages to purchase a property a fee of £495 is payable on application – this is fully refundable if we are unable to obtain a mortgage offer.
Remortgages
For processing a remortgage a fee of £295 is payable on application – this is fully refundable if we are unable to obtain a mortgage offer.
Rate Switch / Product Transfer
For processing a product transfer/rate switch where you are remaining with your current lender a fee of £145 is payable on application.
Adverse Credit
For applications where there is a history of adverse credit then a total fee of £495 will be charged, of which £245 is payable at the point a personal recommendation is made, whether you decide to proceed or not. The remaining £250 is payable if/when an application is made and is refundable if we are unable to obtain a mortgage offer.
Equity Release Mortgages
A total fee of £990 will be charged, of which £495 is payable at the point an application is made with a provider. The remaining £495 is payable if/when the application completes.
We can accept payment via bank transfer, credit/debit card via PayPal.
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Sentry Advice Limited are authorised and regulated by The Financial Conduct Authority and are entered on the Financial Services Register (www.fca.org.uk/register) under reference number: 624557
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