Business Owner Package

A commercial building

Finding the right insurance and sourcing the right amount of finance for a business can be difficult and time consuming. Your business is something you have invested a lot of time, energy and money into so it is a sensible idea to reduce the risk and lead it in the direction you want it to go as best you can. We have designed this bespoke package to help business owners get insured, get financed and get ready for many other business situations that are common in today’s commercial world.

For your business, we can help you raise finance, refinance at lower rates or ensure that your company is properly protected. Our partner can help you review your current company pension schemes, assessing its performance against the alternatives.

How we can help with:

Are you an experienced business owner looking to expand? Have you checked recently whether refinancing could lower your costs? Are you starting your first company? The Financial Detectives are here to help.
 
Let us tailor a Commercial Finance protection package to your personal situation. Contact us now for free advice on what would be most suitable for you.

Commercial finance can help you to:

  • Improve or increase operating premises.
  • Buy commercial equipment.
  • Increase your working capital.
  • Buy more stock.

We provide access to the whole UK market for commercial lending. This includes bridging finance and commercial Buy-to-Lets.  We can help you raise finance and ensure that your company is properly protected.  Our partner can help you review the company pension schemes.  They will be able to show you how it is performing in comparison to the alternatives.

Find out more by giving us a call or sending us a message for more information.

Let us tailor a Commercial Insurance package to your personal situation. Contact us now for free advice on what would be most suitable for you.
 
If you have employees, you are required to have Employers Liability Insurance.  If your employee is injured at work, or becomes ill as a result of their employment, this covers the cost of compensation and legal fees.  Employees injured due to your negligence can seek compensation even if your business goes into liquidation or receivership.  By law, you need at least £5 million in cover but, in practice, most policies offer at least £10 million. ‡
 
Your policy should cover all conventional employees, contract, casual and seasonal staff as well as temporary staff, including students or others on work placements. If your organisation involves volunteers, advisers, referees or marshals you should tell your insurer. The Health and Safety Executive is responsible for enforcing the law on Employers Liability Insurance. You could be fined up to £2,500 for each day that you are without cover. ‡

Find out more by giving us a call or sending us a message for more information.

www.gov.uk/employers-liability-insurance Sep 2015

UK Floods

Recent flooding has hit many UK businesses hard. This isn’t just through physical damage but also due to the loss of business that has followed. Insurance has helped put businesses back on their feet. At The Financial Detectives we can advise on the right insurance options for you if your business is located in a flood risk area

CASE STUDIES

Andy Rowden Mortgage and Equity Release Expert

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Dan Rowden Director of The Financial Detectives

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THE KNOWLEDGE HUB

Q. What is a mortgage?
A. A mortgage is a loan taken out to buy property or land. Most run for 25 years but the term can be shorter or longer. The loan is ‘secured’ against the value of the home until it’s paid off. If you can’t keep up your repayments the lender can repossess (take back) your home and sell it so they get their money back.

Q. How much deposit do I need?
A. Usually a minimum of 5% of the purchase price. The bigger the deposit, the better the interest rate, the lower your monthly repayments, the cheaper the mortgage. The difference between a 5% and a 10% deposit is huge: the next big jump is at 20%, then 40%. So if you have any chance of pushing yourself up a band (or perhaps ask your parents to help), do it!

Q. What does ‘LTV’ mean?
A. It stands for ‘loan-to-value’ which is the percentage of the property value you’re loaned as a mortgage. In other words, its the proportion that you’re borrowing.

WHY USE THE FINANCIAL DETECTIVES?

      We have access to the whole of market, including exclusive rates not available on the high street.

      We’re an independent, family run business – we are not ‘tied’ to any lender, insurer, solicitor or surveyor. We can therefore give broad, unbiased advice.

      We have 20 years of mortgage and insurance experience, therefore our advice can be trusted.

      We don’t get paid until the case completes so we have as much incentive as you to get your case completed!

      5 star Google and Facebook reviews proving our commitment to exceptional customer service.  We give our clients a dedicated advisor and processing team, who will ‘hold your hand’ throughout the entire process.

Did you know?

“Over 50% of our clients are referrals from other customers we have helped… we must be doing something right!”

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