Clear, straightforward mortgage and insurance advice for first-time buyers, self-employed applicants, landlords, visa holders and complex cases.
We offer a variety of mortgage products for first time buyers from Lenders across the market, but not deals that you can only obtain by going direct to a Lender.
In the current market, it is hard for company directors to get a mortgage. This is because of the restrictive lending policies imposed by banks. Contact Count Ready for advice.
We specialise in finding mortgages for self-employed people and understand what they need, while being mindful of their unique financial situation.
Buy-to-let mortgages can be used by landlords and investors who want to purchase properties for rental purposes or those who want to invest in property development.
We offer specialist advice in all areas of re-mortgages, refinancing and more. If you're considering a new property purchase or refinancing an existing property, we're here to help.
Visa mortgages in the UK are a specialised area of lending that caters to individuals residing in the country on various types of visas.
Home insurance provides financial protection against the risk of loss or damage to your property. It also provides legal protection against legal claims by people who are injured on your property or whose property is damaged while they are there.
When it comes to property development finance from lenders across the market, Count Ready is the right place to go. We offers a range of advice on mortgages and loans for property development. Contact us today.
We're a group of passionate individuals who strive to provide the best insurance coverage and service to our clients. We offer customised plans that is designed to suit your needs. Whether you're a family man or a self-made millionaire, we've got something that would suit your needs.
The amount you can borrow depends on your income, spending habits, and credit history.
Deposits vary depending on the type of mortgage you’re applying for.
Interest rates depend on the size of your deposit, your credit profile, and the type of mortgage.
Fees can add up, so always check the full cost of a mortgage.
Both have advantages, and the right choice depends on your situation.
Being organised with paperwork helps speed up approval.
Yes — though it may cost more.
A Mortgage in Principle (MIP) shows how much a lender may be willing to lend.
Mortgage repayments are usually monthly and come in two types:
By category:
A broker can help you access a wider range of lenders, including specialist providers, and guide you through the process.
Yes, Count Ready also provides advice on life insurance, income protection and other forms of cover.
Life insurance isn’t a legal requirement, but it’s often essential if you have dependants, a mortgage, or people relying on your income. It ensures loved ones are financially supported if you pass away.
Life insurance pays out a lump sum to your beneficiaries if you die during the policy term. Income protection, on the other hand, replaces part of your salary if you’re unable to work due to illness or injury. Many people choose both for full cover.
It depends on your circumstances. Consider your mortgage balance, household bills, childcare costs, and future expenses. A good rule of thumb is enough to clear debts and provide at least a few years of income replacement.
Business protection covers companies against financial loss if a key person dies or becomes seriously ill. It can also help partners buy out shares or repay loans, ensuring the business continues smoothly.
Yes, especially if you don’t have generous sick pay. Income protection can pay a monthly benefit until you’re well enough to work again, giving peace of mind that your bills and mortgage will still be covered.
Landlord insurance protects rental properties against risks like fire, flood, and damage. It can also cover loss of rent if tenants can’t live in the property and liability cover if tenants or visitors are injured.
If you own a property, buildings insurance is usually required by mortgage lenders. It covers the structure of your home against events like fire, storms, subsidence, or burst pipes. Tenants usually only need contents insurance.
Costs vary depending on the type of cover, your age, health, occupation, property value, or rental income. Life insurance premiums, for example, are cheaper the younger and healthier you are. Landlord and buildings insurance costs depend on rebuild value and location.
Yes, though it depends on the condition and severity. You may pay a higher premium or have exclusions. Speaking with a broker who specialises in high-risk or medical conditions can help you find cover.
Think about what risks you need to protect against — your family’s future, your income, your business, or your property. Compare policies, check exclusions, and don’t just go for the cheapest option. Advice from a broker can ensure you’re fully protected.
