Income protection cover, paid for by your business.
|income protection comparison points||
Executive Income Protection
Personal Income Protection
|Policy owner||Employing company||Life assured|
|Cover allowed||Max 80% of allowable income plus company NI / pension contributions||Max 70% of allowable income|
|Taxation of pay-out||Taxable as business revenue or PAYE if paid to employee||No tax to pay|
|Premium tax position||Tax deductible for business and no benefit in kind of employee||Tax deductible for business but benefit in kind for the employer|
|Benefit paid to||Paid into the business||Paid directly to the employee|
|What can be covered||Salary/Dividends/Company National Insurance/ Company Pension Contributions/ Company Life Insurance Contributions||Salary/ Dividends/ P11D benefits|
|Who can arrange||Adviser only||Adviser or individual with some insurers|
|Pay-out duration||2, 3, 5 years or to retirement||1, 2, 5 years to retirement|
|Deferred periods||4, 13, 26 or 52 weeks||0, 1, 2, 4, 8, 12, 26 or 52 weeks|
Term mortgages secured against commercial property, or semi-commercial property. If you are buying or refinancing residential investment property then please use our 'residential buy-to-let' enquiry form.
Individual units to large portfolios, blocks of flats to HMOs, we have lenders ready to lend on all types of residential property. They can be owned in your personal name, in a Ltd Co, LLP, Trust, off shore, on shore, you name it, we have lenders who can do it!
From experienced developers, to first time builders, from single units to large scale projects, we have a full panel of lenders and an experienced team of brokers to help find the right package for your needs.
If you are looking at buying a property at auction (or have won a property) we can help you get finance against it. You may want to develop it and sell it, or rent it out, we can get you the right product for your needs and FAST!
Spend a few minutes completing our simple application form and we will source you a business loan. In some cases, the money could even be in your account within 48 hours.
Using invoice finance will improve your cash flow and help your business grow. We have a range of invoice finance lenders who provide flexible low-cost options to help you release funds with slow to pay customers