YMOR LIMITED

First Time Buyer

A first-time buyer mortgage is tailored for individuals entering the housing market for the first time. It may offer benefits like cashback schemes, low deposit requirements (sometimes as low as 5% or even 0%), and special government assistance programs. However, meeting strict affordability criteria is still necessary.

Home Movers

Determine why you're moving and what you're looking for in a new home. Consider factors such as location, size, amenities, budget, and any specific requirements or preferences.

Buy to Let

A buy-to-let mortgage is a type of mortgage loan specifically designed for individuals who want to purchase a property with the intention of renting it out to tenants rather than living in it themselves. In other words, it is a mortgage product for those looking to invest in real estate for rental income and potential capital appreciation.

Remortgaging

Our remortgaging service offers competitive rates and personalized solutions tailored to your financial needs.

Shared Ownership

If you can’t afford all of the deposit and mortgage payments for a home that meets your needs, Shared Ownership offers you the chance to buy an initial share of a home worth between 10% and 75% of its market value. You will pay rent to the housing provider on the rest.

Right To Buy

The Right to Buy scheme helps eligible council and housing association tenants in England to buy their home with a discount of up to £127,900 (£96,000 outside London).

Right to Acquire

If you’re a housing association tenant in England you could be eligible to buy the home you rent at a discount of between £9,000 and £16,000 on the price of your home. The amount of discount you’ll get depends on where you live.

Help to Buy

Applications for this scheme closed on 31 October 2022, and all homebuyers were required to reach legal completion on their home before 31 May 2023.

Income Protection Insurance

Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Income protection insurance is also known as permanent health insurance.

Life Insurance

Put simply, life insurance helps to provide financial protection for your family by paying out a lump sum that helps them to cope financially if you pass away during the term of your policy.

Home Insurance

Home insurance (or house insurance cover) financially protects your home. It can help you and your family if you experience events like theft, fire and floods.

Life with Critical Illness

"Life with critical illness" refers to the experience of individuals who have been diagnosed with severe medical conditions that significantly impact their health, daily functioning, and overall quality of life. Critical illnesses are typically serious, life-threatening conditions that may require intensive medical treatment, ongoing care, and lifestyle adjustments. Some common examples of critical illnesses include cancer, heart disease, stroke, organ failure, and severe injuries.

Family Income Benefit

Family Income Benefit (FIB) is a type of life insurance policy that provides regular, tax-free income payments to your beneficiaries in the event of your death during the policy term. Unlike traditional life insurance policies that pay out a lump sum, FIB pays a regular income stream to your loved ones for a specified period, typically until the end of the policy term.

Relevant Life

Relevant Life Insurance is a specialized type of life insurance policy designed for small businesses to provide death-in-service benefits to their employees in a tax-efficient manner. It's particularly useful for businesses that have a limited number of employees and don't have enough to set up a group life insurance scheme.

Building Insurance

Building insurance, also known as home insurance or property insurance, is a type of insurance policy that provides coverage for damage to the physical structure of a building. It typically protects against risks such as fire, theft, vandalism, storms, and other perils that could cause damage to the building's structure. Building insurance is essential for homeowners, landlords, and property owners to protect their investment in the property.

Content Insurance

Content insurance, also known as contents insurance or home contents insurance, is a type of insurance policy that provides coverage for the personal belongings and possessions inside a home. While building insurance covers the physical structure of the property, content insurance protects the items and belongings within the home against risks such as theft, fire, vandalism, and other perils.

Landlord Insurance

Landlord insurance is a specialized type of insurance policy designed to protect landlords financially from risks associated with renting out their property. It provides coverage for both the physical structure of the rental property and the landlord's financial interests as a property owner.

Our Services