Welcome to
Black & Gold Financial Services
Mortgage, Protection & Equity Release Advisers
Professional services with a personal touch
Mortgages
First Time Buyers, remortgage, buy to let
Protection
Life Cover, Crticial Illness, Income Protection
Equity Release
Interest Only Lifetime Mortgage, Drawdown Lifetime Mortgage, Roll-Up Lifetime Mortgage
Estate Planning
Wills & Trusts, Power of Attorney, Funeral Plans
Home Insurance
Buildings Cover, Contents Cover, Landlords Cover
OUR SERVICES
We provide professional services with a personal touch. Take a look at our areas of expertise or even better give us a call and we’d love to talk you through them.
Mortgages
First Time Buyers
Remortgage
Buy to Let
We will take you through the mortgage process step by step making sure everything is clear, providing you with the info and knowledge to make the final decision.
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Protection
Life Cover
Critical Illness
Income Protection
At B&G we consider it our duty of care to take you through the protection plans on offer at a high level, so that you develop your understanding of the market and all that is available.
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Equity Release
Interest-only lifetime mortgage
Drawdown lifetime mortgage
Roll-up lifetime mortgage
At B&G we will guide you through the gauntlet of equity release options making you fully aware of what’s available and what would best suit your personal circumstances.
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Estate Planning
Wills & Trusts
Power of Attorney
Funeral Plans
We guide you through various options, but more importantly we get to know you to fully understand your personal needs so to ensure you have a bespoke plan for when the time comes.
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Home Insurance
Buildings Cover
Contents Cover
Landlords Cover
At B&G we advise you on different types of home insurance and options available; ensuring you have the right level of cover for your family’s needs.
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Estate Agents
Property Sales
Lettings
Property Management
We work with experienced and passionate property agents who have unrivalled local knowledge, invaluable in selling properties and finding buyers their perfect home.
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Our Core Values
Professional Services with a Personal Touch
Trust
Impartial
Excellence
Honesty
CLient-Led
The Small Print
Simplifying the complexities of mortgage and finance regulation.
Your Home may be repossessed if you do not keep up repayments on your mortgage. Some forms of Buy to Let Mortgages are not regulated by the Financial Conduct Authority. A fee of £195 for sourcing the mortgage/product payable on application, and a fee of £100 for obtaining the mortgage/product on offer. If we charge you a fee, and your mortgage does not go ahead you will not receive a refund. This is in addition to any commission we may receive from the lender. A fee of £995 is payable on completion for our service in relation to Lifetime Mortgage contracts. We will be paid commission by the lender; the amount of the commission due to be paid is available upon request and will be disclosed via the mortgage illustration. This is a lifetime mortgage. To understand the features and risks, please ask for a personalised illustration. Check that this mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice. Wills, Trusts, Estate Planning, Powers of Attorney, and Funeral Planning are not regulated by the Financial Conduct Authority.
