River Finance Ltd

River Finance are Mortgage and Protection Advisers. We offer a first class service in helping you find the most appropriate products for your mortgage and protection needs from a comprehensive range of mortgages from across the Market. Our qualified advisers help reduce stress by explaining the advice clearly and honestly through every stage of a transaction, making sure you understand, and are happy with the terms of any products we recommend.

Reasons for cover

  • Find me a mortgageFind Me a Mortgage

  • Today's Best Mortgages
  • Free Loan Calculators
    • How Much Can I Borrow?

      Mortgage Borrowing Calculator

      Please enter the income for the first and (if appropriate) second applicants and the maximum borrowing will be calculated

      Applicant 1 income £
      Applicant 2 income £
       
      Maximum borrowing £

       

      Your home may be repossessed if you do not keep up repayments on your mortgage.

       

      For mortgages we can be paid a fee, usually up to £1,500 or by commission. Typically the fee charged is around 0.35% of the loan amount.

    • How Much Could I Pay?

      Mortgage Payment Calculator

      Please enter the requested values, and then the monthly payment will be calculated

      Loan amount £
      Rate %
      Term years
      Repayment Interest only
       
      Monthly payment £

       

      Your home may be repossessed if you do not keep up repayments on your mortgage.

       

      For mortgages we can be paid a fee, usually up to £1,500 or by commission. Typically the fee charged is around 0.35% of the loan amount.

  • Request a Call BackRequest a Call Back

For a free initial consultation, you can speak to one of our expert advisers on:

01440 730743

Or request a call back

Done!

Why do you need it?

The loss of a spouse or parent can leave dependants with additional issues to cope with other than the emotional. If you are inadequately insured, your dependants may be left with a dramatically reduced household income, which could affect their quality of life. Potentially there may be reduced opportunities for children such as the ability to pay for a university education or difficulties in maintaining mortgage payments on a reduced income.

In the event of your death, a lending institution will not write off your debt. Rather, they will continue to pursue the debt through your dependants and could, ultimately, foreclose on the loan meaning the loss of the family home.

What will the State provide?

The main benefits the State may provide are the Widowed Parent's Allowance and Child Benefit. Depending on whether the widow(er) qualifies for Income Support, the State may or may not help with paying the mortgage interest.

The method for calculating which benefits an individual may qualify for is extremely complicated. More information is available at the Department of Work and Pensions website www.dss.gov.uk.

 

Your property may be repossessed if you do not keep up repayments on your mortgage.


The FCA does not regulate some forms of buy to let mortgages

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