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Email: info@escomifa.com

Investments

Are you making the best use of any spare capital or surplus income
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Protection

How much cash would your family need to maintain their current lifestyle if you die prematurely
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Pensions

When do you want to retire and how much income will you need?
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Mortgages

Do you want to reduce your current mortgage outlay or are you moving home?
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Mortgages

Not only do you need to consider which mortgage is best for you, you also need to think about which interest rate options are most likely to suit your needs. This section has information on the various types of mortgage product which are available.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Buy to let mortgages are not regulated by the Financial Conduct Authority.


We charge a typical fee of £750 for arranging a mortgage.


Equity Release is a lifetime mortgage or home reversion scheme. To understand the features and risks, ask for a personalised illustration.

We charge a typical fee of £2,500 for arranging lifetime mortgages.

These types of mortgages are designed for property investors and private landlords, who do not intend to live in the purchased property.
With an Offset Mortgage you can potentially reduce the amount of interest you pay by offsetting a credit balance against the mortgage debt. This article explains further.
Sometimes people want to release equity in their homes because they need cash for a particular purpose. This short guide looks at how certain types of mortgage will allow you to do exactly this.
People buying their first home often have specific needs when it comes to finding a mortgage. A range of mortgages exists specifically for this market sector.
A flexible mortgage is a product that can make the traditional British mortgage with its fixed and inflexible payment schedule over a fixed term, such as 25 years, look like a bit of a dinosaur. This short guide explains why a flexible arrangement may benefit you.
Remortgaging means switching your mortgage to another deal with another lender. Most people remortgage because their existing deal has ended.
The main difference between a self build mortgage and a house purchase mortgage is that with a self build mortgage money is released in stages as the build progresses rather than as a single amount. This short guide explains further.
We charge a typical fee of £750 for arranging a mortgage.

Personal Finance

LONDON (Reuters) - British banks increased their lending to consumers in August at the slowest pace in at least five months, industry figures showed on Tuesday, a day after the Bank of England said banks had to bolster their defences against consumer loan losses.
LONDON (Reuters) - British banks have underestimated the risks from a surge in consumer borrowing and need to hold an extra 10 billion pounds of capital to guard against future dangers, the Bank of England said on Monday.
LONDON (Reuters) - Hopes for higher wage growth across Britain are receding, apart from in a few sectors of the labour market that suffer from acute skill shortages, according to a report published on Monday by recruitment company Hays .
BRIGHTON, England (Reuters) - Britain's opposition Labour Party set out plans on Monday to nationalise billions of pounds of privately-funded infrastructure contracts, cap credit card interest charges, and get extra cash from large corporations.
LONDON (Reuters) - Britain's rock-bottom household savings problem, which has raised fears about unsustainable debt-fuelled spending, might not be quite so acute after all, according to the country's statistics office.