e. info@hub-financial.co.uk
t. 01698 538 300
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Cookie Policy

HUB FINANCIAL LTD - Cookie Policy

HUB FINANCIAL LTD is an appointed representative of The Mortgage Hub Limited who are industry experts in the provision of mortgage and insurance advice. We are an independent mortgage intermediary with access to the whole of the mortgage market. We pride ourselves in the provision of first class customer services combined with a wealth of industry experience to help take you through every step of the journey.  

We are committed to protecting your privacy. Our Cookie Policy forms part of this and sets out how we use cookies on our website to help make your access to our services easy and effective.  

 

What are Cookies?  

Cookies are small text files placed on your computer by websites and sometimes by emails. They provide useful information to organisations, which helps to make your visits to their websites more effective and efficient. We use cookies to ensure that we are able to understand how our website is used and to ensure that we can make improvements to the websites. Cookies do not contain any personal or confidential information about you. 

  

How we use cookies  

We use cookies to ensure that you get the best experience from our website. The first time that you visit, you will be asked to consent to our use of cookies and we suggest that you accept cookies being active on your device whilst you visit and browse our website to ensure that you experience it fully.  

Cookies are an important part of the internet. They make using devices and accessing online information much smoother and affect lots of the useful features of websites. 

Some cookies are essential to help your devices download or stream the information, or so you can move around websites and use their features. Without these cookies, content, products or services you’ve asked for can’t be provided. 

 

Here are some examples of essential cookies: 

Positioning information on a smartphone screen, tablet device or other screen so that you can see the website and use its functionality. 
Some are session cookies, which make it possible to navigate through the website smoothly. 
Keeping you logged in during your visit or enabling you to stream content; without cookies you might have to log in on every website you visit or repeatedly adjust your volume and viewing settings. 

 

More information on cookies 

For more information about cookies visit the Information Commissioner’s website www.ico.org.uk. 

 

Disabling Cookies 

How can I see and manage my cookies in my browser? 

Virtually all modern browsers allow you to see what cookies you have, and to clear them individually or clear all of them. To find out how to do this, go to aboutcookies.org, which contains comprehensive information on how to do this on a wide variety of desktop browsers. 

You can prevent the setting of cookies by adjusting the settings on your browser (see your browser Help for how to do this). Be aware that disabling cookies will affect the functionality of this and many other websites that you visit. Disabling cookies will usually result in also disabling certain functionality and features of this site. Therefore, it is recommended that you do not disable cookies. 

 

The Cookies We Set 

If you create an account with us then we will use cookies for the management of the signup process and general administration. These cookies will usually be deleted when you log out however in some cases they may remain afterwards to remember your site preferences when logged out. 

We use cookies when you are logged in so that we can remember this fact. This prevents you from having to log in every single time you visit a new page. These cookies are typically removed or cleared when you log out to ensure that you can only access restricted features and areas when logged in. 

When you submit data through a form such as those found on contact pages or comment forms cookies may be set to remember your user details for future correspondence. 

 

Third Party Cookies 

We like to keep track of what information and links are popular to help us keep our information relevant and up to date. It’s also very useful to be able to identify trends of how people navigate (find their way through) our information and when and where ‘error messages’ may originate. 

This group of cookies, often called ‘analytics cookies’ are used to gather this information. The information collected is grouped with the information from everyone else’s cookies. We can then see the overall patterns of usage rather than any one person’s activity. Analytics cookies are used to improve how an application, a website and its pages work. 

Our applications, web locations, websites and communications you get from us contain small invisible images known as ‘web beacons’ or ‘ pixels’. These are used to manage the interaction between you and the online information or email and allows us to assess the effectiveness of the communication. 

In some special cases, we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site. 

This site uses Google Analytics which is one of the most widespread and trusted analytics solution on the web for helping us to understand how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit so we can continue to produce engaging content. 

For more information on Google Analytics cookies, see the official Google Analytics page. 

Third-party analytics are used to track and measure usage of this site so that we can continue to produce engaging content. These cookies may track things such as how long you spend on the site or pages you visit, which helps us to understand how we can improve the site for you. 

From time to time, we test new features and make subtle changes to the way that the site is delivered. When we are still testing, new features these cookies may be used to ensure that you receive a consistent experience whilst on the site whilst ensuring we understand which optimisations our users appreciate the most. 

In some cases, we may provide you with custom content based on what you tell us about yourself either directly or indirectly by linking a social media account. These types of cookies simply allow us to provide you with content that we feel may be of interest to you. 

Several partners advertise on our behalf and affiliate tracking cookies simply allow us to see if our customers have come to the site through one of our partner sites so that we can credit them appropriately and where applicable allow our affiliate partners to provide any bonus that they may provide you for making a purchase. 

We also use social media buttons and/or plugins on this site that allow you to connect with your social network in various ways. For these to work the following social media sites including; Facebook, Twitter, Youtube, LinkedIn, and Instagram will set cookies through our site which may be used to enhance your profile on their site or contribute to the data they hold for various purposes outlined in their respective privacy policies. 

 

How long we keep your information 

We retain your information in accordance with our internal information security, regulatory requirements, data retention and deletion policies.  

These set out the criteria we use to determine how long we keep your information, what measures we put in place to keep your information safe and secure, and with whom we may share your information. When deciding what to retain, we take into account what information we need to best provide you with products, goods and services, manage your relationship with us, meet our statutory obligations and meet our customers’ and previous customers reasonable expectations. 

 

Contact us for more information

If you have questions or comments about our Cookie Policy, or you wish to exercise your data rights, please contact our Data Protection Officer by: 

Email: info@hub-financial.co.uk  Post: Data Protection Officer, 38-40 Cadzow Street, Hamilton ML3 6DG or Telephone: 01698 538300 

If you would like to arrange an appointment to meet face-to-face with one of our advisors, or you would prefer to deal with us by telephone or email, please get in touch.

HUB Financial
38 Cadzow Street
Hamilton
ML3 6DG

e. info@hub-financial.co.uk
t. 01698 538 300

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© HUB Financial 2023   Blog | Privacy | Cookies | Complaints | Contact Us

FCA Regulatory Status

Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.

The Financial Conduct Authority (FCA) does not regulate some aspects of buy to let mortgages.

HUB FINANCIAL LTD is an appointed representative of The Mortgage Hub Limited who are authorised and regulated by the Financial Conduct Authority (FCA).

Our Financial Services Register Number is 995547.  We are entered on the Financial Services Register No 460207 at https://register.fca.org.uk/

We are registered in Scotland NO. SC764315 Address: 38 Cadzow Street, Hamilton, United Kingdom, ML3 6DG.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

hub association

If you would like to arrange an appointment to meet face-to-face with one of our advisors, or you would prefer to deal with us by telephone or email, please get in touch.

HUB Financial
38 Cadzow Street
Hamilton
ML3 6DG

e. info@hub-financial.co.uk
t. 01698 538 300

Facebook Instagram

© HUB Financial 2023

Blog | Privacy | Cookies
Complaints | Contact Us

FCA Regulatory Status

Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it.
The Financial Conduct Authority (FCA) does not regulate some aspects of buy to let mortgages.
HUB FINANCIAL LTD is an appointed representative of The Mortgage Hub Limited who are authorised and regulated by the Financial Conduct Authority (FCA).
Our Financial Services Register Number is 995547.  We are entered on the Financial Services Register No 460207 at https://register.fca.org.uk/
We are registered in Scotland NO. SC764315 Address: 38 Cadzow Street, Hamilton, United Kingdom, ML3 6DG.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK.

Mortgages

Buying a new home is exciting and one of the most significant purchases you will make, so we want you to enjoy the experience and be happy with your decision. If you are looking to purchase your first home, move to a new property, re-mortgage your existing home, or purchase a buy-to-let property, we are here to assist and make the process as stress-free and efficient as possible.

The first step is to obtain a decision in principle for you. This ensures you will be approved for a mortgage subject to further checks. With unlimited access to the whole of the UK mortgage market, and a proven track record of acquiring mortgage approvals for the most complex of situations, we will then source the best possible mortgage deal to suit your individual needs and circumstances.

First-time buyers
Buying your very first property can be an incredibly daunting prospect. It’s hard to know where to start. That’s why we’re here to help and guide you through the entire process. We will provide tailored advice based on your current circumstances and future plans, ensuring that you are aware of all potential costs associated with buying and owning a property. We will then source the most suitable mortgage deal to suit your budget, objectives, and repayment preferences.

Re-mortgage
A re-mortgage is used by existing home owners for a number of reasons. They may wish to move to a new home, switch to a better more suitable mortgage deal for their current property, consolidate debts, or increase their borrowing to carry out home improvements.

You can re-mortgage with the same lender or with a new mortgage lender. Many mortgage deals come with a discounted interest rate for the first few years. When these end, it is common for homeowners to source a new deal that offers a lower interest rate, a new fixed rate or discounted interest rate.

If you are thinking about re-mortgaging your existing home, there are a number of important factors that must be taken into consideration to ensure it is the right time to switch mortgages and the best decision for you and your family in the long run.

For example, will the mortgage lender charge valuation and solicitor fees? Will your final repayment be higher or over a different period of time? Will you have to pay an early repayment charge on your current mortgage? These are the types of considerations we will look at carefully to ensure you get the very best mortgage deal.

Think carefully before securing other debts against your home or property. You may have to pay an early repayment charge to your existing lender if you re-mortgage.

Your home is at risk if you do not keep up repayments on your mortgage or other loan secured on it.  

Buy-to-let
If you’re considering purchasing a residential property as a buy-to-let investment, there are specific types of mortgages available that differ from standard residential mortgages. We will provide tailored advice and source the most suitable mortgage deal based on your deposit and whether your main aim is to acquire monthly rental income or achieve long-term capital growth.

Adverse credit history
Obtaining a mortgage when your credit history is less than perfect can be an obstacle, but it’s not impossible. It may affect how much you can borrow and the interest rates you are offered, but there are lenders who provide mortgages to home buyers with adverse credit. At The Mortgage Hub, we have an exceptional track record of helping clients who have faced financial difficulties secure a suitable mortgage deal that enables them to buy their new home.

Insurance

When acquiring a mortgage to purchase a new home or buy-to-let property, it’s important to protect not only yourself, but your investment. It is therefore essential to take out adequate insurance in the event of fire or floods, theft, accidental damage, illness or bereavement, unemployment, separation, or any other eventuality that could put your home at risk. We’ll look at your protection needs and tailor your cover to your lifestyle.

We can provide you with advice and competitive quotes on the types of policies that are relevant to your circumstances. We are an Exclusive Associate of Vitality; therefore we are tied to Vitality and only recommend their products, in the event of Vitality declining a client we can look at other providers. The most common types of insurance we advise for home owners and landlords include:

Buildings & Contents

Mortgage lenders insist that homeowners insure their properties with adequate buildings and contents cover. This type of policy will normally insure your residential home or buy-to-let property, (as well and fixtures, fittings and contents) against damage caused by fire or flooding, lightening and storms, subsidence, accidental damage, escape of water, theft and vandalism.

The policy you choose should be sufficient to cover the rebuild cost of your property. The best deal is usually acquired by taking out a joint buildings and contents insurance policy. However, if you buy a flat that is managed by a factor, you may find that buildings insurance is already in place for the entire apartment block. This is something we will check for you when you purchase your new property.

Life Insurance

Whilst most people insure their cars, homes and other valuable belongings, many don’t insure themselves. Life Insurance provides a valuable safety net for your family if the unthinkable should happen, helping them financially during a difficult time. Many policies include terminal illness benefit, too.

Critical Illness Cover

This type of policy aims to ensure you are financially protected against the impact that being diagnosed with a specific critical illness could have on you and your loved ones. It is common for this type of cover to be added to a life insurance policy.

Serious Illness Cover

Serious Illness Cover helps protect you financially if you fall ill. This will pay you out a cash lump sum based on the severity of your condition – meaning that you can focus all your energies on making a full recovery.

Unlike typical critical illness cover, this pays out for the less severe conditions as well as the more critical ones. So if you get ill and need to claim, this insurance will give you a percentage of your cover depending on how severe your condition is. This means that if a condition gets caught early on, the insurance provider will pay out a portion to alleviate the stress, but you’ll also have the rest of your cover should you need to claim again and again.

Income Protection

Most homeowners would find it difficult to cover their mortgage payments if they were unable to work. We never like to imagine that we’ll face ill health or accidental injury, but it’s important to protect yourself and your home just in case. An Income Protection insurance policy may be affordable and is intended to provide income to help replace any lost earnings as a result of illness or injury.

Redundancy & Unemployment Cover

This type of policy provides short-term income protection, usually for up to 12 months, if you are unable to work as a result of involuntary redundancy. Some income protection policies also combine sickness and accident cover, as well as unemployment.

Landlords’ Insurance

If you purchase a buy-to-let property, a standard home insurance policy may not provide sufficient cover. Landlords’ Insurance is usually the best choice. This type of policy usually includes buildings insurance, but it could also cover things like loss of rent, compensation claims from tenants, legal cover, loss of income if your property is damaged, and property owner’s public liability.

Some insurance covers are based on an assessment of the health of the applicant. Most insurance companies are unlikely to cover previous or existing medical conditions, customers should always refer to policy documentation and seek advice in order to understand what the policy does and does not cover before making an application. You should never cancel any existing insurance policies without seeking advice and ensuring you are adequately covered and on risk with any new policies you set up. 

Our Services

At Hub Financial, we provide impartial advice on every type of mortgage for every type of client, including first-time buyers, existing home owners looking to remortgage, buy-to-let investors, and customers with adverse credit. With extensive knowledge of the complex mortgage market, and established relationships with all leading UK mortgage lenders, we have access to the whole market and are able to source and secure the most competitive mortgage deals for even the most complicated and delicate of client circumstances.

To ensure everything runs smoothly from start to finish, our team of experienced mortgage advisors can also help you to find your next home or investment property. We will arrange property viewings on your behalf, provide feedback to estate agents and sellers, handle all negotiations on your new property to secure the best price on your investment, provide advice on Home Report surveys, and arrange a reputable solicitor to finalise the sale of your home and/or purchase of your new property.

When you buy a new property, it’s critical that you take measures to protect yourself and your investment as much as possible in the event of illness, unemployment, separation, or any other significant change in circumstances. In addition to our mortgage services, we can provide advice and competitive quotes on the various types of insurance you may require as a home owner or buy-to-let landlord.

In addition to essential Buildings and Contents cover, the most common types of insurance policies you may wish to consider are Life Insurance, Critical Illness, Income Protection, Redundancy & Unemployment, and Landlords’ Insurance. If you’re not sure what you need or what these policies cover, we will provide you with all of the required information to help you make an informed decision on what’s best for you and your family

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

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