Based in Stoke-on-trent, Sidstone Mortgage and Insurance Services provides free advice on: - mortgages - remortgages - buy to let mortgage - first time buyer mortgages - life insurance - home insurance - landlord insurance - income protection - secured loans and commercial finance
Services are offered to clients throughout Stoke-on-trent. Set-up in 2009 the company has many years of experience in the finance, mortgage and property market.
With a staff body of 3 skilled staff members, Sidstone Mortgage and Insurance Services has a professional team, qualified in providing Professional Mortgage Advice and authorised and regulated by the Financial Services Authority. The firm provides the general public and businesses with a professional financial advisory service and operates from all over the Stoke-on-Trent area. Sidstone will even come to the client's home.
The expert staff help clients save money. The service is intended to ensure that everybody has access to free and impartial advice that is never tied to one specific lender or insurer, that is the best product for them every time.
Offering free advice and having access to all lenders and insurers from the whole of the UK market, the products are tailored to individual needs and ensure that all clients have the best product at the best possible price.
Sidstone Mortgage and Insurance Services has a growing group of customers, based in the local area, including manual workers, managers, doctors and more. The business is owned by Shaun Davis who has been focusing on the mortgages sector for many years. Having previously worked for a broad range of companies in the finance and property sector, Shaun Davis is more than able to manage the business and ensure that all customers and clients get the best possible service.
Key Products
Critical Illness Cover
A serious illness, such as cancer , stroke or heart attack, affects...
A serious illness, such as cancer , stroke or heart attack, affects one-in-four women and one-in-five men before retirement age. Critical illness insurance is designed to ease the financial pressures by paying a tax-free lump sum if you become seriously ill or totally disabled. You must normally survive at least one month after becoming critically ill, before the policy will pay out.
Your home is probably the biggest investment you will ever make in your life,...
Your home is probably the biggest investment you will ever make in your life, and generally everything that goes into your home has been proudly brought using your hard earned wages. Even if you don’t own your home, it is important to insure your belongings. It makes sense to ensure that your home and everything in it is covered in the event of fire, flooding and accidental damage.
What is it Landlord Insurance for?
Landlord Insurance is designed to cover...
What is it Landlord Insurance for? Landlord Insurance is designed to cover the investment of your let property, not only in terms of loss or damage to the property itself, but also to protect your rental income if a major claim arises that renders the property uninhabitable.
There are five main areas that you should consider covering:
1.Buildings Insurance; to protect your bricks and mortar against flood, fire, theft and other perils. 2.Contents Insurance: to cover landlords contents, for example carpets, curtains and furniture. 3.Legal Expenses: to provide telephone help on any legal matters as well as financial support with disputes relating to your property.
Why use Sidstone.co.uk?
By answering a few simple questions, you can obtain quotations from many insurers at once, saving you time obtaining individual quotes.
Nobody wants to think about death, but the reality is that loved ones will...
Nobody wants to think about death, but the reality is that loved ones will need financial support after you have passed on. Would they be able to pay the mortgage, bills, childcare etc? Taking out a life insurance policy ensures that loved ones have financial security when we die, giving them and you valuable peace of mind.
Bad Credit (or Adverse or Sub Prime) mortgages are designed to allow people...
Bad Credit (or Adverse or Sub Prime) mortgages are designed to allow people with credit problems in the past to buy a property. They are largely available through specialist mortgage lenders that typically only deal with Mortgage Intermediaries i.e. Mortgage Brokers, Mortgage Advisors, IFA's etc.
Adverse credit scenarios can be triggered by various events, from mild (such as missing payments on your mortgage or other credit agreement), to more severe (such as bankruptcy). Help for Bad Credit Mortgage applicants
To look around the mortgage marketplace now, you'd be hard pushed to find any adverse mortgage deals being advertised. However, advisers know certain secrets, such as:
what counts as 'historic' on your credit rating how certain CCJs might not stop you getting a mortgage if you've only just fallen into arrears and you move quickly, you might still qualify for a 'prime' mortgage
In other words – yes, our advisers can still offer help for adverse credit mortgage applicants.
Getting A Sub-Prime Mortgage To get an adverse credit mortgage, you need to make sure of two things:
That you get the best rate for your individual situation, and don't get taken advantage of; That you get accepted first time, and don't get credit checked more than necessary (which can further affect your credit rating).
The best way to achieve both of these is by speaking to an FSA-authorised mortgage adviser
A Buy to Let Mortgage is designed for borrowers purchasing a property with the...
A Buy to Let Mortgage is designed for borrowers purchasing a property with the intention of renting it out to tenants and has been increasing in popularity with the general public since the late 1990s as a means of investing in the UK housing market.
For a Buy-to-Let Mortgage, the amount you can borrow is usually subject to your projected income from rent. However, lenders vary widely in how they measure what you can borrow. This is one reason why it's wise to get the help of an impartial buy-to-let mortgage adviser.
A debt consolidation mortgage is a mortgage that's big enough to pay off your...
A debt consolidation mortgage is a mortgage that's big enough to pay off your original mortgage and your unsecured debts. By taking out this type of mortgage you could lower your monthly payments. You would owe more to your mortgage provider, but you would clear your other debts, so you would have just one manageable monthly repayment.
"We understand that its hard getting your foot on the property ladder and our...
"We understand that its hard getting your foot on the property ladder and our advisers are here to help you every step of the way."
First time buyer mortgages are not what they were a few years ago! Since the "credit crunch", first time home buyers have found it harder and harder to get onto the property ladder.
Gone are the days when a first time buyer could simply multiply an annual salary by two-and-a-half and see what first time buyer mortgage that would secure him! Finding out what your first mortgage will be and how much it will cost, is an important factor in seeing if you can afford your first property.
Another point to make is that these days it will be almost impossible to secure a mortgage without some sort of deposit.
Your first and most important step is to seek specialist first time buyer mortgage advice from a Sidstone Adviser. We know all about the UK first time buyer mortgage deals available and our expert advisers can help you every step of the way.
Many mortgages are for existing borrowers who are selling their existing...
Many mortgages are for existing borrowers who are selling their existing property and moving to a new property. This may be due to just wanting to move up the property ladder or maybe due to relocation
A remortgage enables you to switch from one lender to another to save money on...
A remortgage enables you to switch from one lender to another to save money on your monthly mortgage payment and offers the opportunity to release some money. As a mortgage is usually the largest item of household expenditure it’s important to make sure you don’t pay too much.
Switching your lender for significant savings!
If a mortgage is currently secured on your property, remortgaging is one of the most straightforward ways to save money. It means changing your existing mortgage for a new, better deal.
Why do tenants need insurance?
As a tenant you will not normally need to take...
Why do tenants need insurance? As a tenant you will not normally need to take out buildings insurance as this is the responsibility of your landlord. However, your landlord’s buildings insurance policy will only protect the structure of the building itself, along with its permanent fixtures and fittings. We recommend that you always check the level of cover your landlord has; if you have rented the property via a letting agency then its agents may be able to advise you on behalf of your landlord.
If you are renting an unfurnished property then tenant’s insurance is essential if you want to protect your furnishings and other personal possessions against insured risks such as flood, fire and theft.
Even if you’ve rented the property fully or partly furnished, and your landlord has taken out additional cover for the furnishings within the property, it’s unlikely that their policy will provide cover for your personal belongings – for example jewellery, bicycles, handheld gadgets, sports equipment, electrical appliances, laptops and computer equipment, games consoles, musical instruments, CDs, DVDs, furniture, frozen food or clothing.
Although a good quality tenants’ insurance policy won’t make events such as fire, theft or flooding any less stressful or upsetting, if you do need to make a claim it will help to ease financial worries and provide valuable peace of mind that you can get the items replaced.
If you have had a quote or a renewal quote from any of the following insurers...
If you have had a quote or a renewal quote from any of the following insurers then we should be able to BEAT IT!
So if you would like a FREE opportunity to save some money then Call 08445 045196 or complete our simple application form.
Home Insurance
Axa Bank of Scotland Cornhill More Than Direct Line Halifax Legal and General Lloyds TSB Norwich Union Paymentshield Prudential Royal Sun Alliance Zurich
Let Property Insurance
Aviva (NU) Axa Cornhill More Than Direct Line Legal & General Lloyds TSB Paymentshield (excluding FreeFirst) Prudential Royal & Sun Alliance Zurich/ Eagle Star
At Sidstone our aim is to save our customers as much money as possible, that...
At Sidstone our aim is to save our customers as much money as possible, that is why we offer a Free Valuation and Free Legal Fees on many of our re-mortgage packages. Not only do we have access to exclusive deals we also have access to all lenders from the UK mortgage market. You can compare mortgage rates here or if you would like to speak to an adviser call 08445 045196.
A professional organisation who gave a thorough service, all areas were covered in depth and the staff have a clear understanding of the market I would highly recommend them.
I have recently started a new business and quite obviously required business insurance, but being self employed and working from home meant that the insurance that I required needed to be taylor made, I spent hours on price comparison sites and endless phone calls to banks and insurance company's but all wanted to charge me for services I wouldn't need but i can honestly say that after one phone call lasting 20 minutes Sidstone got back to me with exactly what I wanted, when I wanted and how I wanted; I can safely say it was the easiest thing I have done regarding my new venture in the world of business, these guys know what they are doing, and would trust them 100% with any other services I would require in the future.
I rent a flat and had a quote from More Than Insurance. I gave a copy of my policy to Sidstone and they beat it! It was hassle free and the insurance had more features, previously going through price comparison sites was such a issue but I can honestly say that with Sidstone it was a pleasure! They happily explained every nook and cranny and saved me money.
Very happy with Shaun at Sidstone. He worked around my busy lifestyle to see me at a convenient time, explained all the products available and gave me great advice. Shaun saved me a lot of valuable time and money, have already recommended Sidstone to my friends and family!
I have placed a lot of my clients with Sidstone and they have all been happy with the service provided. Sidstone is now a great addition to my business and I refer my clients to them with confidence that their service is is great and they will help enhance my personal reputation.
Mr Davies came to see me at home and was very flexable to suit my hectic lifestyle.
I knew what i wanted and after only half an hour he had shown me many better offers which were more than perfect for me. He was very thouragh in assesing both my needs and affordability. Thanks for a great package.
Shaun remortgage me showing me all the lenders in order of how much they all cost. Used a comparision on my life assurance also to show me the best product and price for me. Thanks shaun. Good luck with the new venture!!.
They provided me with advice which helped me to buy the perfect family. Shaun at sidstone is such a terrific guy who gives the best possible knowledge whichever angle you are looking into. I will most definately try this company again when i purchase my next property. From start to finish to finding the property to getting estimates going through the whole legal side of things to finally moving in they were always there by my side and 100% commited. Thanks again Shaun at Sidstone.
I was suprised at the level of services I recieved from Shaun.
He was thorough when he reviewed my financial situation and recoomended products that saved me a lot of money and completed the entire process very quickly.
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4.0 out of 5
A professional organisation who gave a thorough service, all areas were covered in depth and the staff have a clear understanding of the market I would highly recommend them. 
5.0 out of 5
