MaisonSauveurMortgages
0845 6436 218
Mortgages made easy....
At Maison Sauveur Mortgages we are dedicated to achieving high levels of service for our clients that starts right from the initial contact through to the completion of your mortgage contract
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Welcome to Maison Sauveur Mortgages
Services
Maison Sauveur Mortgages is a professional mortgage practice offering mortgage advice across the South East.
We are committed to help you with all aspects of the mortgage process and we ensure your needs will be dealt with efficiently.
We have access to mortgage products from the whole of market and can help you search for a mortgage that will suit your needs. If you are looking to buy your first home, remortgage your current home, purchase a property as a buy-to-let* or are considering buying a commercial property* we can help.
We can also provide you with competitive quotes for life cover, mortgage payment protection, income protection and buildings and contents to protect your family and your investment.
If you are looking for a competitive mortgage or need advice on the most suitable Insurance products simply complete our online enquiry form and one of our dedicated mortgage advisers contact you to discuss your needs.
•Remortgage
•New purchase
•First Time Buyers
•Buy to let*
•Commercial*
•Shared ownership
•Overseas*
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Our fees
Latest product news
Your at the right place if
There may be a fee for mortgage advice. The precise amount of fee charged will depend upon your circumstances, and will be discussed and agreed before you make an application but we estimate it will be 0.5% of mortgage amount.
•You are considering purchasing a property and
require mortgage advice
•You are looking to save money on your current
mortgage
•You are concerned about rising interest rates
•You are looking for a free initial consultation to
discuss over your options
More than a mortgage
Maison Sauveur Mortgages has over 20 years experience in the mortgage market with client relationships throughout South East England.
As a mortgage broker, we pride ourselves in dealing with customers mortgages and their individual circumstances on a personal, confidential and professional level.
This has resulted in clients returning to us to broker their mortgage or remortgage time and again, whenever their circumstances change
Company profile
Maison Sauveur Mortgages is a trading name of Maison Sauveur Financial Services which is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Services Authority.
With over a two decade's experience as a mortgage broker to the South East of England, Maison Sauveur Mortgages is the perfect solution for people who want a fast, friendly, mortgage or remortgage service.
We arrange mortgages, remortgages, secured loans* and insurance for a wide spectrum of customers, from first time buyers, to seasoned buy to let* entrepeneurs, and our speciality is finding great mortgage deals for people with adverse credit that have been refused elsewhere.
Location
Our office is situated in Ransomes Europark, Ipswich, Suffolk on the A14.
Private parking is available for clients at the rear of our premises, as is a friendly face and a warm welcome from reception. If you can't make it to the office, we travel throughout the South East of England to meet existing and prospective clients.
Our Philosophy
At Maison Sauveur Mortgages we strive to provide a fast, friendly service where we choose the best solution to your personal circumstances.
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Your home may be repossessed if you do not keep up repayments on your mortgage or other debt secured on it.
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What we do for our clients
With access to the whole of market from people who provide advice that is easy to understand backed with excellent service with the flexibility to cater for special mortgage needs
Mortgages
Taking out a mortgage is probably the biggest financial undertaking you will ever make. Naturally, you will want to know which mortgage is the best one. Happily, there is still plenty of choice in the mortgage market, but with many products on offer, identifying which mortgage is best for you can be a difficult task.
Many borrowers consult the expertise of a mortgage broker who can quickly source the marketplace and find swiftly which mortgage is the most appropriate, given your individual circumstances, plans, attitude to risk and other preferences. Others arrange their mortgage via a lender's branch, over the phone or on the internet.
Whether you are a first-time buyer, remortgaging or a home mover, this website provides a wealth of informationon the different mortgage types available to you, so it's a good place to start to learn about mortgages and how you obtain one
Remortgage
Your mortgage may have been the best deal for your circumstances at the time but is it still performing as well as it could?
Remortgaging is a good way to escape high variable or fixed interest rates and more and more homeowners are moving their mortgages to save money. If you have just come out of an initial benefit period and are obliged to pay a penalty if you change mortgage, do not be deterred. Re-mortgaging often reduces your monthly mortgage payment enough to still save you money in the long term.
Buy to Let*
Property can be one of the most profitable long-term investments available. Buying to let can supply you with a regular income in the form of rent and a large asset with the potential to increase in value. However not many people can afford to go around buying properties to let. That is until the Buy-to-let mortgage came into existence.
With a buy to let mortgage when received the rental income can be used to pay the mortgage repayments, assuming the rental income received is greater than the mortgage repayment. Once you have paid the mortgage in full you are left with full ownership of a property. You can then continue to receive rental income or you could sell up and receive a large cash lump sum.
This may provide an alternative pension as it can be used as a retirement income, either by continuing to let out the property or by releasing the properties equity in the form of an equity release plan.
A buy to let mortgage is similar to a regular homeowners mortgage but there are some differences.
Always remember lending money is based on risk assessment. A lender will consider all the risks involved in lending you money.
Many lenders now offer specialist buy to let mortgages with fixed interest rates.
Buying to let is not an easy road to success, it can take a lot of planning and effort to make it work for you. Taking professional mortgage advice will ensure you get the best mortgage deal for your circumstances.
It's time for impartial advice
Term Assurance
Critical Illness
Term assurance provides cover for a fixed term with the sum assured payable only on death. There are no investment benefits or payments on survival.Term assurance policies can be written on a single life, joint life (first or second death) or on a life of another basis.You must have a financial interest in the person that you are insuring when taking out any life of another policy and the provider may require proof of this before cover is given.Level Term AssuranceWith level term assurance premiums are fixed for the duration of the insurance term and a payment will only be made if a death occurs during the insurance period. The amount of life cover remains level during the term. A Level term assurance policy is taken out for a fixed term. This type of term assurance policy can be a useful for providing security for dependents up to a certain age.Decreasing Term AssuranceAs the name suggests with decreasing term assurance, life cover decreases during the insurance term reducing the cash payout the longer the term runs. Decreasing term assurance can be useful for those wishing to secure the payment of a reducing debt (eg a repayment mortgage) if they die during the term. This type of term assurance is less expensive than level term assurance. There are several variations of the type of term assurance, please contact us to find out which type is most suitable for you and your family.
Term assurance provides cover for a fixed term with the sum assured payable only on death. There are no investment benefits or payments on survival.
Term assurance policies can be written on a single life, joint life (first or second death) or on a life of another basis.
You must have a financial interest in the person that you are insuring when taking out any life of another policy and the provider may require proof of this before cover is given.
Level Term Assurance
With level term assurance premiums are fixed for the duration of the insurance term and a payment will only be made if a death occurs during the insurance period. The amount of life cover remains level during the term. A Level term assurance policy is taken out for a fixed term. This type of term assurance policy can be a useful for providing security for dependents up to a certain age.
Decreasing Term Assurance
As the name suggests with decreasing term assurance, life cover decreases during the insurance term reducing the cash payout the longer the term runs. Decreasing term assurance can be useful for those wishing to secure the payment of a reducing debt (eg a repayment mortgage) if they die during the term. This type of term assurance is less expensive than level term assurance.
There are several variations of the type of term assurance, please contact us to find out which type is most suitable for you and your family.
A Critical illness policy will cover you in the event of a pre-determined illness or disease. Not all Critical illness policies are the same and policy conditions will vary. It is vitally important to understand exactly which conditions are covered before you proceed with a particular policy or insurance plan. With most Critical illness policies a capital sum is paid out on diagnosis of a specified medical condition or occurrence of some forms of heart attack, some forms of cancer, renal failure, major organ transplant, stroke etc.Types of critical illness insurance policy.There are different types of critical illness policy available. Critical illness insurance policies can be stand alone or added to whole of life, endowment or term assurance plans. Please contact us to discuss your specific requirements.Critical illness lump sum benefits.The lump sum benefits derived from a critical illness insurance policy are not taxable. Please contact us for more information on Critical Illness Policies.
A Critical illness policy will cover you in the event of a pre-determined illness or disease. Not all Critical illness policies are the same and policy conditions will vary. It is vitally important to understand exactly which conditions are covered before you proceed with a particular policy or insurance plan.
With most Critical illness policies a capital sum is paid out on diagnosis of a specified medical condition or occurrence of some forms of heart attack, some forms of cancer, renal failure, major organ transplant, stroke etc.
Types of critical illness insurance policy.
There are different types of critical illness policy available. Critical illness insurance policies can be stand alone or added to whole of life, endowment or term assurance plans. Please contact us to discuss your specific requirements.
Critical illness lump sum benefits.
The lump sum benefits derived from a critical illness insurance policy are not taxable. Please contact us for more information on Critical Illness Policies.
Cover against death, illness or disability can be excellent value for money
Its important to gain the right type of cover and this is where we can help you
We are able to provide you with impartial advice to help you decide
For all your protection
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Income Replacement
Income protection policies provide an income that starts after a deferred period of your choice if you are unable to work through sickness or injury. These types of policy usually have a fixed term to retirement age 60 or 65.Once the income protection policy is accepted by the insurer the premiums cannot be increased or claims refused regardless of the number of legitimate claims.There is a maximum insured income limit. Levels of income protection cover may vary but may be in the region of 50%-65% of previous income.Income protection insurance premiums.Income protection premium rates are based on occupation, age, health, level of cover, term, deferred period, sex and smoking status. Some insurance companies have introduced reviewable premiums that increase dependent on overall claims experience.Types of income protection policy.There are many different types of income protection policies available. Great care must be taken over examination of the circumstances in which the insurance companies will pay out.If as a result of sickness or injury you cannot carry on your normal line of work, the insurer may not admit the claim unless you are incapable of performing any paid employment.Benefits from an income protection insurance policy.Generally the benefits from an income protection insurance policy are not taxable.
Income protection policies provide an income that starts after a deferred period of your choice if you are unable to work through sickness or injury. These types of policy usually have a fixed term to retirement age 60 or 65.
Once the income protection policy is accepted by the insurer the premiums cannot be increased or claims refused regardless of the number of legitimate claims.
There is a maximum insured income limit. Levels of income protection cover may vary but may be in the region of 50%-65% of previous income.
Income protection insurance premiums.
Income protection premium rates are based on occupation, age, health, level of cover, term, deferred period, sex and smoking status. Some insurance companies have introduced reviewable premiums that increase dependent on overall claims experience.
Types of income protection policy.
There are many different types of income protection policies available. Great care must be taken over examination of the circumstances in which the insurance companies will pay out.
If as a result of sickness or injury you cannot carry on your normal line of work, the insurer may not admit the claim unless you are incapable of performing any paid employment.
Benefits from an income protection insurance policy.
Generally the benefits from an income protection insurance policy are not taxable.
Buildings and Contents Cover | Low Cost - High Quality Cover
What we stand for
A buildings and contents insurance policy is essential for protecting your home and contents in the event of an accident or other catastrophe.Many homeowners however, have a quite flippant attitude to selecting buildings and contents insurance cover mainly because they don't have the time to wade through a mass of policy schedules from different insurers and are basically under the impression that all home insurance policies are pretty much the same. However, nothing could be further from the truth, insurers are quite specific about what their policy will cover and the conditions under which a claim can be made so it is vitally important to have a good understanding of the features and exclusions being offered before choosing the cover that's best for you.When it comes to comparing buildings and contents insurance cover, cheapest is definitely not always the best. As the saying goes "you get what you pay for" and home insurance cover is no exception. What could be worse than having some kind of major problem with your home or damage to one or more of your personal possessions only to find that the great deal you got on your insurance policy doesn't fully cover the incident when you go to claim?One of the biggest mistakes people make with contents insurance is underestimating the value of their personal possessions. When you make a claim for loss or damage the first thing the loss adjuster will look at is whether you have covered the value of your possessions correctly. If you haven't you may find that the insurer will consider that you are under insured and will only pay a proportion of the value of the damaged or lost item leaving you to find the rest of the money to buy a replacement.To avoid these circumstances make sure that you calculate the value of your contents properly. Start by making a list of all the possessions in each room of your home and price each of them as if you are buying them new (today's cost). For example a couple of hundred music CD's could have a replacement cost of £3000 or more if some of them are rare copies of sought after albums.When you have a complete list of items add the total value together and you will be surprised at the number you arrive at. Don't forget all the stuff hidden in the loft or stored in the garage as well as the gardening equipment tucked away in the shed all of which can amount to a tidy sum. It's not a bad idea to give a copy of this list to the insurer when you sign up for the policy, after all they would find it hard to argue against any claim if they had a detailed list of everything to be covered at the start of the policy.At Maison Sauveur Mortgages we have a dedicated team of home insurance specialists through Berkley Alexander, who deal with most of the UK's top insurers and have invested a huge amount of time to gain a thorough understanding of the cover offered by each. Their specialist knowledge will enable them to quickly advise you on the best policy to suit your personal requirements. This doesn't mean it's going to cost you a fortune to get the right cover either, their insurers are some of the most competitive in terms of price in the market so you will still get that great deal and the benefit of knowing that you will be covered correctly should you need to make a claim.
A buildings and contents insurance policy is essential for protecting your home and contents in the event of an accident or other catastrophe.
Many homeowners however, have a quite flippant attitude to selecting buildings and contents insurance cover mainly because they don't have the time to wade through a mass of policy schedules from different insurers and are basically under the impression that all home insurance policies are pretty much the same. However, nothing could be further from the truth, insurers are quite specific about what their policy will cover and the conditions under which a claim can be made so it is vitally important to have a good understanding of the features and exclusions being offered before choosing the cover that's best for you.
When it comes to comparing buildings and contents insurance cover, cheapest is definitely not always the best. As the saying goes "you get what you pay for" and home insurance cover is no exception. What could be worse than having some kind of major problem with your home or damage to one or more of your personal possessions only to find that the great deal you got on your insurance policy doesn't fully cover the incident when you go to claim?
One of the biggest mistakes people make with contents insurance is underestimating the value of their personal possessions. When you make a claim for loss or damage the first thing the loss adjuster will look at is whether you have covered the value of your possessions correctly. If you haven't you may find that the insurer will consider that you are under insured and will only pay a proportion of the value of the damaged or lost item leaving you to find the rest of the money to buy a replacement.
To avoid these circumstances make sure that you calculate the value of your contents properly. Start by making a list of all the possessions in each room of your home and price each of them as if you are buying them new (today's cost). For example a couple of hundred music CD's could have a replacement cost of £3000 or more if some of them are rare copies of sought after albums.
When you have a complete list of items add the total value together and you will be surprised at the number you arrive at. Don't forget all the stuff hidden in the loft or stored in the garage as well as the gardening equipment tucked away in the shed all of which can amount to a tidy sum. It's not a bad idea to give a copy of this list to the insurer when you sign up for the policy, after all they would find it hard to argue against any claim if they had a detailed list of everything to be covered at the start of the policy.
At Maison Sauveur Mortgages we have a dedicated team of home insurance specialists through Berkley Alexander, who deal with most of the UK's top insurers and have invested a huge amount of time to gain a thorough understanding of the cover offered by each. Their specialist knowledge will enable them to quickly advise you on the best policy to suit your personal requirements. This doesn't mean it's going to cost you a fortune to get the right cover either, their insurers are some of the most competitive in terms of price in the market so you will still get that great deal and the benefit of knowing that you will be covered correctly should you need to make a claim.
Quality service from UK call centresAffordable insurance premiumsFast and simple online quotesCustomer engagement
Quality service from UK call centres
Affordable insurance premiums
Fast and simple online quotes
Customer engagement
Call our home insurance
helpline now
We offer up to 5 years 'No Claims Discount' with our quotes'No price rise' Guarantee for your home insurance renewal (subject to no claims)Price Beater pledge; we'll do our best to match or beat your other insurance quotesBuying our home insurance cover means we give £2.00 to our favourite charity, at no extra cost to you.Had a Claim or your Home is in a 'Flood Zone'?
We offer up to 5 years 'No Claims Discount' with our quotes
'No price rise' Guarantee for your home insurance renewal (subject to no claims)
Price Beater pledge; we'll do our best to match or beat your other insurance quotes
Buying our home insurance cover means we give £2.00 to our favourite charity, at no extra cost to you.
Had a Claim or your Home is in a 'Flood Zone'?
"Fast online quotes that let you buy affordable insurance cover from an impartial and trustworthy source"
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Debt Management Plans*, IVA's*, Debt Advice *
At Maison Sauveur Mortgages, we offer Debt Management Plans through TCF Debt Solutions* which are specifically tailored to help those individuals struggling to afford a variety of unsecured debts. This will commonly include debts like your overdrafts, personal loans, as well as the outstanding balance on your credit and store cards. Debt management plans are the ideal debt solution for those whose total amount of debt is between £2,000 and £12,000. For individuals with debt that amounts to more than this, TCF Debt Solutions* would recommend that you first consider an IVA. Of course, the right course of action will be dependent on your own unique circumstances. A Debt Management Plan is an informal agreement between you and your creditors, allowing you to make a single monthly payment to them, which will then be divided amongst them. In addition to this service, TCF Debt Solutions* will negotiate with your creditors to reduce or freeze any charges or applicable interest rates or on your debt. TCF Debt Solutions* can't guarantee that your creditors will freeze interest and charges but they will keep you up to date with any developments. A Debt Management Plan will allow you to regain control over your finances. TCF Debt Solutions* will help you decide on the amount that you can realistically afford to pay each month, and give you peace of mind as we can deal with your creditors on your behalf.
At Maison Sauveur Mortgages, we offer Debt Management Plans through TCF Debt Solutions* which are specifically tailored to help those individuals struggling to afford a variety of unsecured debts. This will commonly include debts like your overdrafts, personal loans, as well as the outstanding balance on your credit and store cards.
Debt management plans are the ideal debt solution for those whose total amount of debt is between £2,000 and £12,000. For individuals with debt that amounts to more than this, TCF Debt Solutions* would recommend that you first consider an IVA. Of course, the right course of action will be dependent on your own unique circumstances.
A Debt Management Plan is an informal agreement between you and your creditors, allowing you to make a single monthly payment to them, which will then be divided amongst them. In addition to this service, TCF Debt Solutions* will negotiate with your creditors to reduce or freeze any charges or applicable interest rates or on your debt. TCF Debt Solutions* can't guarantee that your creditors will freeze interest and charges but they will keep you up to date with any developments.
A Debt Management Plan will allow you to regain control over your finances. TCF Debt Solutions* will help you decide on the amount that you can realistically afford to pay each month, and give you peace of mind as we can deal with your creditors on your behalf.
Call our debt
Call TCF debt solutions
directly on
How you benefit
0800 111 61 62
TCF Debt Solutions* will negotiate with your unsecured creditors in order to reduce your monthly unsecured debt repayments to a level that you can afford. TCF Debt Solutions* have already established long-standing relationships with the vast majority, if not all of your creditors which helps them to negotiate the freezing of further charges on your debt. You will no longer have to worry about calls or letters from your creditors as TCF Debt Solutions* can deal with these on your behalf. Debt management plans enable you to budget much more successfully as you only have to make one affordable payment which will cover all of your unsecured debt.
TCF Debt Solutions* will negotiate with your unsecured creditors in order to reduce your monthly unsecured debt repayments to a level that you can afford.
TCF Debt Solutions* have already established long-standing relationships with the vast majority, if not all of your creditors which helps them to negotiate the freezing of further charges on your debt.
You will no longer have to worry about calls or letters from your creditors as TCF Debt Solutions* can deal with these on your behalf.
Debt management plans enable you to budget much more successfully as you only have to make one affordable payment which will cover all of your unsecured debt.
Unit 18
70-72 The Havens
Ransomes Europark
Ipswich
Suffolk
IP3 9SJ
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Maison Sauveur Mortgages is a trading name of Maison Sauveur Financial Services which is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Services Authority
*Some of these products are not regulated by the Financial Services Authority
Your home may be repossessed if you do not keep up repayments on your mortgage
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