FAQs

<p>There are many benefits to using a mortgage broker, including:</p> <ul> <li>Saving you time and effort.&nbsp;Mortgage brokers can do all the research for you,&nbsp;so you don&#39;t have to spend hours comparing rates and terms yourself.</li> <li>&nbsp;</li> <li>Getting you a better deal.&nbsp;Mortgage brokers have access to a wider range of lenders than you do,&nbsp;so they can often find you a better mortgage rate.</li> <li>&nbsp;</li> <li>Providing you with expert advice.&nbsp;Mortgage brokers are experts in the mortgage market,&nbsp;so they can provide you with sound advice on the best mortgage for your needs.</li> </ul>

<p>Here is a step-by-step guide to how we work:</p> <ol> <li>Initial consultation:&nbsp;We will meet with you to discuss your mortgage needs and goals.</li> <li>Mortgage assessment:&nbsp;We will assess your financial situation and pre-approve you for a mortgage amount.</li> <li>Mortgage search:&nbsp;We will search our panel of lenders to find the best mortgage rates and terms for you.</li> <li>Mortgage application:&nbsp;We will help you complete the mortgage application process.</li> <li>Mortgage offer:&nbsp;We will present you with a mortgage offer from the lender.</li> <li>Conveyancing:&nbsp;We will coordinate the conveyancing process with your solicitor.</li> <li>Completion:&nbsp;We will help you complete on your new property.</li> </ol>

<p>Critical Illness Cover is a type of insurance that pays out a lump sum to you if you are diagnosed with a critical illness, such as cancer, heart attack, or stroke. This can help you to cover your medical costs, pay off any debts you have, and provide for your ongoing financial needs.</p>

<p>To get started with Portman Rise, you will need to provide us with some basic information about your finances, such as your income, outgoings, and credit score. We may also ask you to provide copies of your payslips, bank statements, and other relevant documents.</p>

<p>Our fees can be found on the fees page or initial disclosure document.</p>

<p>Income Protection is a type of insurance that pays out a monthly benefit to you if you are unable to work due to illness or injury. This can help you to pay your mortgage, rent, and other essential bills until you are able to return to work.</p>

<p>A fixed-rate mortgage has a fixed interest rate for a set period of time, typically two, five, or ten years. This means that your monthly mortgage payments will remain the same for the duration of the fixed-rate period. A variable-rate mortgage has an interest rate that can fluctuate up or down over time. This means that your monthly mortgage payments could increase or decrease.</p>

<p>A mortgage deposit is a lump sum of money that you must put down when you buy a property. The amount of your mortgage deposit will typically be a percentage of the purchase price of the property</p>

<p>Life Cover, Critical Illness Cover, and Income Protection can provide you with peace of mind knowing that you and your family will be financially protected in the event of an unexpected event. These types of insurance can be particularly important if you have dependents or if you have a mortgage.</p>

<p>The mortgage application process typically involves the following steps:</p> <ol> <li>Getting pre-approved for a mortgage.&nbsp;This will give you an idea of how much you can borrow.</li> <li>Finding a property.&nbsp;Once you know how much you can borrow,&nbsp;you can start looking for a property that fits your budget.</li> <li>Making an offer on a property.&nbsp;Once you find a property you like,&nbsp;you will need to make an offer.</li> <li>Getting a mortgage valuation.&nbsp;This will ensure that the property is worth the amount you are offering to pay for it.</li> <li>Completing the mortgage application.&nbsp;This will involve providing the lender with detailed information about your finances.</li> <li>Receiving a mortgage offer.&nbsp;Once the lender has approved your application,&nbsp;they will send you a mortgage offer.</li> <li>Completing the conveyancing process.&nbsp;This is the legal process of transferring ownership of the property from the seller to you.</li> <li>Moving into your new home!</li> </ol>

<p>A mortgage broker is a professional who helps borrowers find and secure mortgages. They work with a panel of lenders to compare rates and terms, and they can also provide advice on the mortgage application process.</p>

<p>The mortgage term is the length of time that you will have to repay your mortgage</p>

<p>Life Cover is a type of insurance that pays out a lump sum to your beneficiaries if you die. This can help them to cover your funeral costs, pay off any debts you have, and provide for their ongoing financial needs.</p>

<p>Please contact us today for a free, no-obligation quote for Life Cover, Critical Illness Cover, and Income Protection. We will be happy to discuss your individual needs and help you find the right coverage for you.</p>

Diversity in the Workplace: A Driving Force for Portman Rise's Success

Diversity in the Workplace: A Catalyst for Portman Rise's Triumph

At Portman Rise, we firmly believe that our diverse workforce is not merely a strength but a driving force behind our achievements. We hold the conviction that by welcoming individuals from all walks of life, we can cultivate a more dynamic, innovative, and customer-centric organisation.

In alignment with the Financial Conduct Authority's (FCA) emphasis on diversity and inclusion, we are unwavering in our commitment to fostering a workplace where everyone feels valued, respected, and empowered to contribute their unique perspectives. We have implemented a comprehensive diversity and inclusion strategy that encompasses a wide spectrum of initiatives, including:

  • Unconscious bias training: We provide regular unconscious bias training to all our employees, assisting them in recognising and addressing their own biases, ensuring fairer decision-making and a more inclusive environment.

  • Equal opportunities policy: We uphold a stringent equal opportunities policy, guaranteeing that all employees are treated fairly and have equal access to opportunities for advancement and development.

  • Diverse recruitment practices: We actively seek out and attract talent from a diverse range of backgrounds, ensuring that our workforce mirrors the communities we serve.

  • Inclusive workplace culture: We cultivate an inclusive workplace culture where everyone feels welcomed, respected, and heard. We encourage open communication, celebrate diversity, and foster a sense of belonging among all our employees.

Our unwavering commitment to diversity has yielded significant benefits for Portman Rise. A diverse workforce has enabled us to:

  • Better understand and serve our customers: Our employees bring a wealth of backgrounds, experiences, and perspectives, allowing us to better grasp the needs and preferences of our diverse clientele.

  • Enhance innovation and creativity: The exchange of ideas and perspectives among our diverse team members ignites innovation and creativity, leading to fresh approaches and solutions.

  • Attract and retain top talent: A diverse and inclusive workplace attracts top talent from all walks of life, giving us a competitive edge in the recruitment market.

  • Strengthen employee engagement and morale: Our dedication to diversity creates a positive and supportive work environment, bolstering employee engagement, morale, and productivity.

At Portman Rise, we are steadfast in our belief that diversity is not merely a matter of compliance or social responsibility; it is a fundamental catalyst for our success. By embracing diversity and inclusion, we empower our employees, elevate our customer service, and fuel our innovation. We are committed to continuously refining our diversity and inclusion efforts, ensuring that Portman Rise remains a workplace where everyone flourishes.