how we help
who are we? We are highly trained team of property finance specialists who can cater for all of our client’s property finance and insurance needs. We are a team of 20 and we provide services to clients throughout all areas of the U.K.
Michael Wayman
Gareth Holtam
Zoe Joyce
Philip Harding
Bradley Wayman
Anna Holtam
Matt Godfrey
Ken Davies ceMAP Sam Cuddihy Senior Mortgage Advisor
Senior Mortgage & Protection Adviser
Phil Emanuel
Paige Wayman
Paul Jones
Stacey Murphy
Charlotte Robinson Joel Davies
Managing Director
Commercial Director
Senior Mortgage & Business Protection Adviser
Working for you and not our lenders As a whole of market fully independent financial intermediary, using our sophisticated tools and vast experience of the entire market we can very rapidly scan all available options for you. Ensuring that you get the very best and the most appropriate finance solution for your needs. Our mission is absolutely centred around you.
Senior Mortgage Adviser
Dealing directly with lenders will, of course, limit your options and whilst there are other brokers in the market, let’s just say some are not quite as independent as you would like them to be. We simply work for and on behalf of you.
Commercial & Bridging Manager
Head of Finance
Fast and friendly advice Expert advisers without ties to any lender means you’ll always get the best advice regarding your funding requirements.
Rapid Pay-out Fast access to funding to keep your project or purchase on track, subject to the lender’s criteria.
5.0/5
Senior Commercial & Bridging Manager
Business Protection Specialist Mortgage Adviser
Mortgage & Protection Advisor
Average Rating
Office & Compliance Manager
Got a question? Call 029 2166 0550 today
Administrative Officer
Trainee Mortgage Adviser
www.cornerstonefinance.co.uk
Insurance
Average Household Mortgage
ÂŁ123,423 (Source: Finder.com - 16/11/2018)
50%
of Households with Mortgages have no Life Insurance in place (Source: Finder.com - 16/11/2018)
The average UK household has enough savings to last just
32 DAYS
if their income is stopped due to illness or death. (Source: L&G Website - 16/11/2018)
Figures sourced November 2018 www.cornerstonefinance.co.uk
Got a question? Call 029 2166 0550 today
Life Insurance In general, a life insurance policy is a protection plan that ensures your financial future is secure for your family if something happens to you. It can help pay off debts, pay children school fess or simply maintain a standard of life for the loved ones left behind. In the event of a death your insurer will pay out a cash lump sum therefore allowing you to live with peace of mind. It can protect your home, business, income and family.
Critical Illness Critical illness is a life-threatening condition, which is generally strictly defined. Most critical illness policies provide for the payment of a lump sum benefit if the policyholder is diagnosed as suffering from one of a number of specified terminal illnesses. Depending on the policy selected, up to many dozen other conditions may also be covered. This is a complex level of cover and we believe it is imperative you get qualified advice because the criteria form all providers will vary.
Income Protection Income Protection insurance can provide a regular replacement income if someone is unable to work because of illness or injury. Typically, a policy pays out after they’ve been off work for a certain period (often called a deferred or waiting period) and can pay a percentage of their salary until either they return to work, reach State Pension Age, or if they die while claiming.
Mortgage Protection Mortgage Protection Insurance is designed to cover the cost of your remaining mortgage balance if the unexpected happen to you or your partner. In essence it is a decreasing term policy because the amount of cover reduces in line with the balance of your mortgage as you make monthly payments. In the event of a death of a policyholder a cash lump sum is paid out equivalent to the mortgage balance to ensure your loved ones can live mortgage free. Generally payments are slightly cheaper than level term cover to reflect the reduced risk.
Private Medical Insurance We know that choosing a health insurance policy can be difficult with so many options available in the marketplace and types of cover available. It is therefore vitally important you choose the correct level of cover and plan. At Cornerstone we will establish your precise needs and recommend a plan that is both affordable and relevant. Once you’re on cover you and can have peace of mind knowing that you and possibly your family are covered. Health insurance can be taken out by an employer to cover all employees, by a single person, couple or families. You can gain cover if your self-employed, a student or a busy professional.
Got a question? Call 029 2166 0550 today
www.cornerstonefinance.co.uk
Business Insurance Protection Business protection could help client owned businesses continue to trade should a key person or business owner die or become terminally or critically ill. Proceeds from the policy could help ensure that key individuals are replaced, corporate debt is protected and shares from the deceased partner’s/director’s estate are purchased. Many believe arranging business protection to be a lengthy and complicated process. But actually, the principles are similar to any other type of protection.
How we can help Key Person Protection Partner/Director/Limited Liability Partnership Share Protection Business Loan Protection Relevant Life Plan
www.cornerstonefinance.co.uk
Got a question? Call 029 2166 0550 today
From as little as
£2.23
Put your life cover on your expenses and gain up to
70% of business owners are paying too much for their life cover.
62% Tax relief.
per week, find out how other business owners ‘in the know’ are making huge savings on their personal and employee life insurance. Source: Quote provided by LV= (dated 18/11/2018) the example provided is for:
Source: Quote provided by LV= (dated 16/11/2018)
Male aged 24 100k of cover Term 45 yrs
the example provided is for:
Cost: £8.16 per month or £2.04 per week
Source: L&G State of the Nation Report 2018
Male aged 24 100k of cover Term 45 yrs Cost: £8.16 per month or £2.04 per week
Figures sourced November 2018 Got a question? Call 029 2166 0550 today
www.cornerstonefinance.co.uk
Impartial help and a personal approach Our qualified advisers aren’t tied to any lender – so their advice is truly impartial. We always give advice in our customer’s best interests. We get to know you and what you need. Then, we find you tailored solutions.
The lenders we use
Got a question? Call 029 2166 0550 today
www.cornerstonefinance.co.uk
Looking for more information? Talk to our experts today!
Get in touch Unit F, Upper Boat Business Centre, Pontypridd, CF37 5BP 029 2166 0550 info@cornerstonefinance.co.uk www.cornerstonefinance.co.uk
Cornerstone Finance is a trading name of Cornerstone Loans Ltd Registered in England & Wales No 08458702. Registered address: Unit F, Upper Boat Business Centre, Pontypridd CF37 5BP. Cornerstone Loans Ltd is authorised and regulated by the Financial Conduct Authority. FCA number: 767202.