Products
GENERAL INSURANCE
At Cadogan our consultants specialise in both domestic and commercial insurance. These include, for example, buildings and contents cover, and landlord and tenant insurance.
Through our extensive panel of insurers you have access to competitive market-leading products. We can help you with all your insurance needs, from the everyday to the complex. So, whatever your insurance needs we are here to help and advise you.
INVESTMENTS
For many of our clients, building and growing the value of their capital is a key objective, especially with interest rates having reduced in recent times. At Cadogan, our aim is to work with you and ensure that your investments achieve your overall objectives.
Our consultants are able to explain quickly the investment products and strategies most suited to your needs. And they have the knowledge and expertise to advise you on the latest products in the market place. Also, the long-term nature of your relationship with Cadogan means we will continually review your investment strategy.
MORTAGES
Residential Mortgages
At Cadogan we understand that buying a home is often the first time people need financial advice.
A mortgage is likely to be your biggest financial commitment for many years to come. When you make such an important decision, you need to understand clearly all your choices, whether that means cheaper monthly payments, a shorter mortgage term or, perhaps, fixing your repayments to help you budget.
Our consultants have access to a panel of lenders representing the whole of the mortgage market. These will include products from high-street names as well as niche providers. Some of the mortgages we offer will be exclusive deals that you won¡¯t see on the high street. As soon as you have decided on a suitable mortgage, we liaise with the selling agent, valuer, lender and solicitor on your behalf; this way you can take a co-ordinated approach to buying your property.
Buy-to-Let Mortgages
Our consultants have an expert knowledge of the property market and know how important it is to maximise the value from your property portfolio, whether you have one property or a hundred. At Cadogan, we work closely with specific and specialist lenders in the buy-to-let mortgage market. Whether you are looking to scale up your portfolio or reduce your monthly repayments, we are here to advise you on all aspects of your portfolio.
Commercial Mortgages
With access to many commercial lending specialists we are in the ideal position to advise you on your options. Whether you are looking to buy rather than lease, or review your current financing, our consultants are always ready and able to advise you. When you use Cadogan, you benefit from our many close ties with some of Northern Ireland¡¯s leading commercial property consultants. This means you gain access to invaluable market expertise, helping you to make informed decisions.
Most buy to lets are not regulated by the financial services authority and commercial mortgages are not regulated by the financial services authority.
We will charge a fee for mortgage advice of between 0 and 0.5% of the loan value dependent on individual circumstances.
Your home may be reposessed if you do not keep up repayments on your mortgage.
PROTECTION
As well as offering you solutions for both building and preserving your capital, our consultants at Cadogan will offer you comprehensive advice on how best to protect you and your family against the potential risks you face. We work with you to decide the right levels of insurance and help you choose the right type of cover, whether that is life assurance, critical illness cover or business protection. And with our extensive links to a panel of protection providers, you¡¯ll have access to market-leading products that offer you genuine peace of mind.
For the corporate market, we can advise you on how to guard against upheaval to your business by protecting you, your employees and your company.
If you already have protection cover it is worth reviewing to see that it is still adequate and continues to offer you value for money. Contact Cadogan for a full review.
RETIREMENT PLANNING
In today¡¯s economic climate, planning for your retirement is more important than ever before. At Cadogan, our consultants have access to a wide range of retirement products from some of the most respected pension providers in the market. These range from simple individual pensions to more complex schemes such as income drawdown and self-invested personal pensions (SIPPs). What¡¯s more, you will have access to hundreds of pension funds, ensuring that your retirement planning strategy takes full account of your attitude to investment risk.
When you reach retirement age, the advice doesn¡¯t end there. At Cadogan we¡¯ll continue to work with you to ensure you go on meeting your financial objectives as well as protecting against unforeseen events such as long-term healthcare.