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  With Helping Hand , your first time buyers could borrow up to  six times  their income. It's there to help those earning £30,000 or more a year (£50,000 for joint applicants). And because we lend up to £750,000 at 95% LTV , it can also help those who are buying in areas with higher house prices.  Read on How Helping Hand can help first time buyers with different circumstances  For joint applicants with a total income of £50,000 and a 5% deposit, they could borrow up to  £300,000 . With the average UK house price at £272,000, and England at £310,000, Helping Hand could make getting on the housing ladder a reality.  For joint applicants earning £90,000 with a 5% deposit, they could borrow up to  £540,000 . With average London house prices at £528,000, Helping Hand could open doors where house prices are higher than average.

Buildings and contents Standard or non-standard home insurance including mid/high net worth, unoccupied and properties to be under renovation Commercial properties All types of commercial properties including hotels, B&Bs, pubs, restaurants, takeaways, retail shops, offices and more Buy-to-let / landlords’ property Single residential, multi property portfolios, holiday let, including properties held in a company name Income protection Quote and buy for income and mortgage protection, covering job loss (unemployment) and/or accident and sickness and providing up to 12 months benefit with a 30-day excess High net worth A full broking service for affluent clients from a range of insurers. We offer an exclusive commercial insurance broking service to our agents, to help maximise your income. It's a bespoke full broking service from a large panel of insurers for property (offices, shops, surgeries, hotels, guest houses, pubs and restaurants). info@borderms.co.uk