We are 2pm Mortgage and Protection Advisors, located on Stony Stratford's High Street, Milton Keynes. Philip Rayner, the sole owner and proprietor, is a professional adviser who has been in the Construction, Property and Financial Services Industries since 1979 Philip is both Certificate in Mortgage Advice and Practice (CeMAP) and Certificate in Regulated Equity Release (CeRER) qualified.
Since entering the financial services industry Philip has been an independent financial adviser, owned his own business and is currently the sole trader of 2pm Mortgage & Protection as well being co-owner of 2pm Management Ltd. Philip's philosophy is always "the customers needs is/are paramount" as well as providing a friendly and professional service and is only to pleased to answer questions on all aspects of your Mortgage, Lifetime Mortgages and Insurance needs.
Home Purchasing - We're experts at making the Home Buying process less stressful for you. We're dedicated to finding the right mortgage for you, and a dedicated in coordinating you through the process until the keys are in your hands.
Since entering the financial services industry Philip has been an independent financial adviser, owned his own business and is currently the sole trader of 2pm Mortgage & Protection as well being co-owner of 2pm Management Ltd. Philip's philosophy is always "the customers needs is/are paramount" as well as providing a friendly and professional service and is only to pleased to answer questions on all aspects of your Mortgage, Lifetime Mortgages and Insurance needs.
Home Purchasing - We're experts at making the Home Buying process less stressful for you. We're dedicated to finding the right mortgage for you, and a dedicated in coordinating you through the process until the keys are in your hands.
Services
The experience of purchasing a property to call your home can be both exciting and frustrating.
One of the main objectives in deciding to purchase a property or moving, is getting all your facts, costs and information upfront.
If you need a mortgage find out what you can afford which will then dictate what price property bracket you can look to buy.
Employing the services of mortgage adviser will not only provide you with peace of mind that someone is guiding you through the whole process, but also that they are acting in your best interests and not those of some lenders.
One of the main objectives in deciding to purchase a property or moving, is getting all your facts, costs and information upfront.
If you need a mortgage find out what you can afford which will then dictate what price property bracket you can look to buy.
Employing the services of mortgage adviser will not only provide you with peace of mind that someone is guiding you through the whole process, but also that they are acting in your best interests and not those of some lenders.
Whatever the reasons, reviewing your current mortgage product is a must.
Life is all swings and roundabouts - financial situations, living situations, and peoples' general circumstances change.
It's not just about ensuring you achieve your objectives or goals but to maintain a mortgage product that is right for you at all times.
Many people remortgage, and it represents the majority of applications and lending in most years.
When you take out a new mortgage, you normally get an introductory deal.
Life is all swings and roundabouts - financial situations, living situations, and peoples' general circumstances change.
It's not just about ensuring you achieve your objectives or goals but to maintain a mortgage product that is right for you at all times.
Many people remortgage, and it represents the majority of applications and lending in most years.
When you take out a new mortgage, you normally get an introductory deal.
Buy-to-let is exactly what is sounds like - buying a property for the sole purpose of letting it out.
It's a popular investment strategy for many people hoping to make money.
Some people make a living out of buying and renting properties and are known as professional landlords.
Buying a property to let is very different from owning your own home.
When you become a landlord, you're effectively are running a small business - one with important legal responsibilities.
There are many pitfalls as well as advantages and understanding your market will make the difference of whether you decide to invest or not.
It's a popular investment strategy for many people hoping to make money.
Some people make a living out of buying and renting properties and are known as professional landlords.
Buying a property to let is very different from owning your own home.
When you become a landlord, you're effectively are running a small business - one with important legal responsibilities.
There are many pitfalls as well as advantages and understanding your market will make the difference of whether you decide to invest or not.
Retaining the use of a house with capital value, while also obtaining a lump sum or a steady stream of income, using the value of the house is the aim of equity release.
The demand for equity release continues to grow and, with many arriving at retirement with smaller pension pots, we expect more retirees to look for a solution to help them address their income shortfall.
Equity release can help those in retirement to fund a comfortable standard of living, set aside money for special occasions or save for the future and we are committed to increasing retirees' awareness of equity release and its benefits.
The demand for equity release continues to grow and, with many arriving at retirement with smaller pension pots, we expect more retirees to look for a solution to help them address their income shortfall.
Equity release can help those in retirement to fund a comfortable standard of living, set aside money for special occasions or save for the future and we are committed to increasing retirees' awareness of equity release and its benefits.
Personal Protection covers you in case of life's inevitable mishaps and the things you wish will never happen.
Critical illness is covered, income protection and holiday mishaps are covered.
These kinds of insurance contracts are in place to ensure that if the worst should happen you get the best out of a bad situation.
Because Personal Protection insurance covers a range of life altering ailments it has become increasingly important for many people in recent years, it is crucial that you get high-quality critical illness services that you can rely on.
Critical illness is covered, income protection and holiday mishaps are covered.
These kinds of insurance contracts are in place to ensure that if the worst should happen you get the best out of a bad situation.
Because Personal Protection insurance covers a range of life altering ailments it has become increasingly important for many people in recent years, it is crucial that you get high-quality critical illness services that you can rely on.
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