With a deep understanding of the specific needs of churches and charities, we’re able to support you with expert advice on the cover you need to protect your organisation and those you serve.
Get started by completing the form below, and one of our team will be in touch.
Get in touch
Alternatively, call us on 0115 921 7270 and our team will be happy to discuss your requirements.
Insurance
Protecting your
property
and your
people.
Our Insurance Brokerage Team is here to help you find insurance cover purpose-built for your ministry.
For personal mortgages our maximum mortgage is 4.5x your gross annual income subject to affordability. Buy-to-lets are assessed on the rent achieved from the property.
Loan-to-property-value
The ratio between the sum of money lent on a mortgage agreement and the value of the security property as confirmed by the Bank.
Loan-to-share-value
The ratio between the sum of money lent on a mortgage agreement and the value of the share of the security property owned by the customer, as confirmed by the Bank.
APRC
‘APRC’ stands for ‘Annual Percentage Rate of Charge’. Mortgage Lenders now have to include any mortgage related fees, redemption charges and valuation fees as part of the annual interest calculation when quoting an interest rate and this is referred to as the APRC.
Affordability
A comprehensive assessment of income and expenditure both currently and in the foreseeable future.
Loan-to-value
The ratio between the sum of money lent on a mortgage agreement and the value of the security property as confirmed by the Bank.