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Client Testimonials
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Gary Shaw
I recently used Graham for my re mortgage and found him to be extremely helpful and communicative at allstages. He found me a great deal and made the whole process incredibly straight forward. I can't recommend him highly enough.
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Graeme Carling
graham is my first port of call for any mortgage and insurance advice and decisions I have made over the years. He his committed and honest mortgage advisor who strives for total customer satisfaction, offering good value for money and exceptional end to end experience. Recommend without a doubt.
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Gordon Hesketh
I purchased a property recently. Graham was upfront and honest about my chances of being successful. After considering my application carefully and quickly he sourced an excellent deal and explained it thoroughly to me, allowing me to consider each option before proceeding. Graham kept me informed of how my application was proceeding at every stage and nothing was too much trouble for him. he his a first class advisor and I would highly recommend him.
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Increasing Term
Increasing Term Assurance
This type of cover protects you for a given term for an increasing level of benefit. The amount of life cover chosen at the outset rises annually by a predetermined factor, normally Retail Price Index (RPI). This is known as "indexation". The premium will also increase. By selecting indexation you are protecting the purchasing power of your selected benefit. This may be suitable for family protection although this would depend on individual circumstances and you should seek further advice.
- works much like the level term insurance, except that the level of cover increases - and usually the premiums too.
- worth considering if you are insuring for a long term, because increasing prices eat away at the value of a fixed level of cover.
Please be aware that in some cases this type of assurance is based on an assessment of the health of the applicant.
THE PLAN WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
Other Areas Of Expertise
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Mortgages
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs
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Debt Consolidation
Consolidate your debts into one manageable monthly sum with a debt consolidation mortgage. Debt consolidation mortgages allow you to reduce your monthly outgoings by consolidating all your
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Protection
It is quite natural for most people to want to make sure their families (and themselves) are going to be financially secure in the event of loss of income, illness or worse. But with the usual pulls
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Household Insurance
There are two types of household insurance - buildings and contents. They are separate entities and you can either search for two individual policies, or buy them as a joint policy
... Read more
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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
GT Mortgages is an appointed representative of TenetLime Limited which is authorised and regulated by the Financial Conduct Authority. TenetLime Limited is entered on the Financial Services register (www.fca.org.uk/register) under reference 311266.
GT Mortgages Ltd - Registered in Scotland No. SC298635 - Registered Office: 10 Bank Street, Falkirk, FK1 1NB
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Contact Details
GT Mortgages
10 Bank Street
Falkirk
Stirlingshire
FK1 1NB
Phone : 01324 622226