About The Business

Emerald Finance is a Financial Consultancy that specialises in providing mortgage, equity release and insurance advice. Established in 2005 and based out of Chapel Road in Worthing, Emerald Finance are fully independent and have access to the whole of the mortgage market. Emerald Finance’s professional advisers take pride in providing every client they meet with the very best advice for each individual client’s specific needs. 

Mortgages

All our advisors will always carry out a thorough financial review to enable them to assess and source the very best deal available for our client’s personal circumstances. As an independent advisor we can look at the whole market and ensure that our clients get the mortgage that best suits them. Where clients have been struggling we will liaise directly with underwriters to smooth the application through where normally it may fail. Areas covered are:

• Mortgages for First Time Buyers (including Guarantor mortgages)
• Home Movers (to minimise penalties and costs when moving home)
• Remortgages (when your existing deal comes to an end)
• Buy To Let (whether your first investment property or managing a wide portfolio)
• Commercial (business premises)

Insurance

At Emerald Finance we will always recommend that our clients have the correct protection in place, and that it is structured correctly. This ensures that the home is protected, and that whatever happens in the future our client can afford the mortgage payments. Should a client pass away or suffer a critical illness then the mortgage can always be repaid in full. Trust planning is also utilised to ensure that the funds are realised within weeks as opposed to months where probate or letters of administration have to be obtained.

• Life Insurance
• Life and Critical Illness Insurance
• Permanent Health Insurance
• Accident, Sickness & Unemployment Insurance
• Buildings & Contents Insurance

Equity Release

This provides home finance for those in retirement. Today many still have a mortgage or debts when they retire and Equity Release offers a way for clients to retire when planned in a more affordable manner, and with some of the schemes with no monthly payment to be made. 

• Retirement Home Plan Mortgage
• Lifetime Mortgages
• Home Reversion Plan

Commercial

Whether looking to purchase your first commercial property, remortgage your current one or provide the related commercial insurances we can help.

• Commercial mortgages – from a selection of lenders
• Buildings and Contents Insurance (including stock etc)
• Key Man Insurance (to enable the business to repay a widow/er to ensure business continuity)

Ideal Referrals Are

We offer a free, non obligation review to those that want to ensure that they have or are getting the best deal on their mortgage whether a first time buyer, home mover, remortgage, buy to let or commercial property. Similarly, we can also provide quotes to anyone who wants to take out or check they have the best deal on their insurances and provide the related trust planning which should be part of everyone’s life insurance set up.

Contact

Tel: 01903 222940

Fax: 01903 232062

Matt Sutton Mobile: 07899 908678

Email: mattsutton@emeraldfinance.co.uk