Lloyds Bank does it again!

Not only did they have the largest fine of all the PPI sellers but they have also  been fined £64 million pounds for not looking after their customers properly.



Not only did they receive the largest fine of all the Payment Protection Insurance sellers but they have now also been fined £64 million pounds for not looking after their customers properly.

It prompts a valid question as to whether you would go direct to your bank for a mortgage or if you prefer to use an independent and "whole of market" adviser?

Our Partners - Peritum Mortgages


Our mortgage services partner, Peritum Mortgages, are directly authorised and regulated by the FCA (reference number 796151).


That’s comforting!


Whilst they may not the biggest firm of mortgage advisers around, they are small enough to give all of their clients personal and professional advice. Their clients also benefit from the resources of Simply Biz, who provide Peritum with support in all areas of their business, including compliance monitoring which is of vital importance. Simply Biz are the largest provider of compliance support and business consultancy services for financial services professionals in the UK.

Mortgages & Equity Release

Accord Mortgages – the intermediary arm of the Yorkshire Building Society are the latest lender to be offering mortgages up to 90% to first time buyers. Even a deposit of 10% can be a lot of money but the Bank of Mum and Dad is growing fast and many parents – and even grandparents -  are turning to equity release to help their families put their foot on the first step of the property ladder.

Even better are the twelve lenders (mostly High Street names) who are offering 95% mortgages at interest rates starting  below 2.50%. With the sun shining most days and the lockdown loosening up now is the time to check with us to see how much can be borrowed and find out if it is affordable.


Protecting your contents


Those of you with children who have not been able to send them to school during lockdown might not be surprised by this headline from Prominence Support Six-fold increase in insurance claims for smashed television screens, as parents juggle working from home with childcare, during Covid-19 lockdown.  The questions is – who is doing the smashing? Parents or children.  The reports do not say who is to blame but parents making the claims are probably blaming their children in many cases.


The moral of this true story is that you should make sure you have a decent contents insurance policy which includes accidental damage and has a low claims excess. You can have a free review of all your insurance policies (house, contents, life and accident) with recommendations to cover any shortfalls. Just contact us and we will introduce you to an adviser from Peritum Mortgages…………… for your free review.


Ancojada Limited trading as Prosperitas Consult is not authorised or regulated to provide financial advice. 


All financial advice is provided by other regulated businesses.

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Ancojada Limited trading as Prosperitas Consult is not authorised or regulated to provide

financial advice. All financial advice is provided by other regulated businesses.

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