What should I consider prior to making a will?
Change in family relationships: if you have married, entered into a civil partnership, moved in with your partner, divorced, separated, had a civil partnership dissolved, been widowed or are a surviving civil partner.
Family Growth: if you have become a parent, grandparent, see your family grow, or children have entered your life through a new relationship.
Guardianship: if you have minor children a legal guardian can be named in your will with directions to the guardian.
Reserve beneficiaries: A will can fail due to beneficiaries predeceasing you it is prudent to name a reserve beneficiary to avoid dying intestate.
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.
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