Within this site you can:-

• Receive many types of insurance quotes and apply online.
• Calculate the monthly payment for loans & mortgages.
• Request no obligation email quotes for mortgages, loans.
• Access your credit report for free.
• Events, Weddings, Carnivals and Mobile catering etc.
• mortgage payment protection. Sickness, Accident and Unemployment
• life cover.

In 1996 it was very difficult for people that had had previous credit problems, often
through circumstances beyond their control, to get anyone to provide a mortgage these people
were and still are welcomed. With having many contacts as well as the use of computer sourcing
we are normally able to match client and a lender willing to lend. This has now with the current financial situation once again become a factor of every day life, including people that a few years would not have had a problem. Harry Roper, establish Harry Roper Associates in 1996 after spending many years
learning his trade in the financial industry. With the title of Members Service Specialist
for a fraternal benefits society he looked after claims, maturities etc. and visited people in
their own homes explaining the complexes of their  policies and ensuring that they had covered their needs.
He has carried these principles forward into his own business by ensuring that all needs
of the client are totally covered and all aspects of any loan or insurance is fully explained
before any commitment by the client, and if there are any known or expected future changes or charges these are also explained. 

Harry Roper Associates are directly authorised and regulated by the FSA. 303540 (FSA Register) There is no tie in or allegiance
to any lender or insurance company, we work for you with access to the full market.

                

	Household - Standard		Liability - Tradesman		Touring Caravan
	Household - Notional		Liability - Professional		Static Caravan
	Household - Let Property		Office		Park Home
	Household - Short Term Unoccupied Let Property		Shop		Equine
	Travel		Commercial Vehicle		Boat Insurance
	Payment Protection (ASU)		Commercial Landlord

 

Tel   01909  773632

mailto:- Site Enquiry

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 REPAYMENT CALCULATOR

 

Number of Years:   Annual Interest Rate:   Amount:   Monthly payment:   Total repayment:   These figures are a guidance only and may differ slightly for individual lenders. You need to get your own personal quotation before choosing a Loan.     back                                                         MORTGAGE & LOANS QUOTE REQUEST Back  By filling in this short form Harry Roper Associates will access the whole of market to find the best quote available that fits your own personal circumstances. Then send you an email with the findings. All items marked * are required Personal Assistance Available on 01909 773632 .............................................................. TYPE of QUOTE REQUIRED      Mortgage Repayment Interest OnlySplit Repayment/existing Endownemt   Loan SecuredUnsecured   Purchase   Re-mortgage Term Yrs Retirement age *Full Name  Applicant 1: *DOB Full Name  Applicant 2: DOB *Phone Number with code:   Mobile *email:       *Current Address New Property Address: *Property Value:  £ *loan Required:  £ Employed Employed 18+mth Employed 1mth Employed 3mth Employed 6mth Employed 12mth Employed 18+mth  Self Employed 3+ years books no books 1 years books 2 years books 3 years books 3+ years books * Income Applicant 1:  £ Income Applicant 2:  £ CCJ's in Last 6 Yrs No CCJ's 1 CCJ 2 CCJ's 3 CCJ's 5+ CCJ's Total Value Defaults No Defaults 1 Defaults 2 Defaults 3 Defaults 5+ Defaults Total Value Arrears NONE none....... 1 mth 2 mth 3 mth 4+ mths  Total Value ANY OTHER RELEVANT INFORMATION HOW MUCH CAN YOU COMFORTABLY AFFORD EACH MONTH WITHOUT OVER STRETCHING YOURSELF.   (SEE AFFORDABILITY CALCULATOR) £200 £250 £300 £350 £400 £500 £600 £700 £800 £900 £1000 BEST FIT  Factors will by adjusted to try to achieve this amount.                                                                                                       Back Your home is at risk if you fail to keep up payments on a secured loan.                                       WHY YOUR CREDIT SCORE IS IMPORTANT Keeping up with your score is the first step in maintaining an excellent credit rating. Your score is a number that helps lenders and others predict how likely you are to make your payments on time. Your score is taken into consideration by lenders before granting you a loan. Lenders look at your scores at different times to determine changes in your interest rate, limit or to decide on sending you an offer. Having an excellent or good rating can save you money with lower interest rates and that is why it is an important part of your financial health. FACTORS AFFECTING YOUR CREDIT SCORE Below is an explanation of how agencies compute your score based on information from your report broken down into 5 different factors. Payment History Generally 35% of the calculation of your score comes from your payment history. Have you paid your creditors on time? All late payments, bankruptcies and other negative items will hurt. However, have a solid record of on-time payments helps your score. Amount Owed About 30% of your score will be comprised of how much money you owe to your creditors, the number of accounts with outstanding balances and how much of your available balance has been used. The ratio of how much you owe compared to your limit will determine the score. The more you owe to your available balance, the lower your score will be. Duration of Account History The length of your account history will be about 15% of our score. The longer your history, the higher your score – though you can get a high score with a short history if the rest of your report shows responsible management. Recent Accounts Your most recently acquired accounts will comprise about 10% of your score. If you have just applied for or opened new accounts, this will be reflected in your score. The new accounts will be weighed against the rest of your history. The more inquiries for your report and score, the lower your score will be. If you are searching for a loan, try to do your rate comparison within a 30 day time period to avoid affecting your score.  Additional Factors The remaining 10% of your score will be calculated on several other minor factors. The more types of creditors you have on your report will affect your score in a positive way. Generally this will be a factor for people with longer histories. What is you score   CHECK YOUR SCORE                     Back  CREDIT SCORE CALCULATOR EACH  LENDER  USES THEIR OWN RULES THEREFORE THIS CALCULATOR IS FOR GUIDANCE ONLY Question 1 What is the age of your oldest open credit or loan account? I do not have an open account Less than 6 months 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10+ years Question 2 How many of the following accounts  do you have? Mortgages: 0 1 2 3 4 5 6 7 8 9 10   Auto Loans: 0 1 2 3 4 5 6 7 8 9 10 Student Loans: 0 1 2 3 4 5 6 7 8 9 10   Other Loans: 0 1 2 3 4 5 6 7 8 9 10 Credit Cards: 0 1 2 3 4 5 6 7 8 9 10   Finance Accounts: 0 1 2 3 4 5 6 7 8 9 10 Question 3 Do any of the following apply? Bankruptcy Judgment Tax lien Foreclosure Settlement Charge-Off Serious late payment (90+ days late) or currently late payment (any account that is currently past due)? No negative records Yes, I'm currently past due Yes, from 6 months ago Yes, from 1 year ago Yes, from 2 years ago Yes, from 3 years ago Yes, from 4 years ago Yes, from 5 years ago Yes, from 6 years ago Yes, from 7 years ago Yes, more than 7 years ago Question 4 Add up all the credit limits on your open credit cards:   £0.00 £500.00 £1,000.00 £2,500.00 £5,000.00 £7,500.00 £10,000.00 £20,000.00 £30,000.00 £40,000.00 £50,000.00 £60,000.00 £70,000.00 £80,000.00 £90,000.00 £100,000.00 Question 5 Add up all the most recent statement balances on your credit card accounts:   £0.00£1,000.00 £2,000.00£3,000.00 £4,000.00£5,000.00 £6,000.00£7,000.00 £8,000.00£9,000.00 £10,000.00 Question 6 How many times have you applied for credit in the last 6 months?   0 1 2 3 4 5 6 7 8 9 10    Remember your score then click >>  . YOUR SCORE EXPLAINED .         . IF NO SCORE. CHANGE DATA TO FIND PROBLEM AREA .

YOUR SCORE IS ->->Please answer all the questions

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  This form is for Events, Outside catering etc.

and will be be answered with a quote by email

                            

Personal Assistance 01909 773632                    harry@harryroper.co.uk

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Full Name
Trading Name
Address
Post Code
Phone Number *
E-Mail Address*
Insurance Start Date	Day 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Mth 01 02 03 04 05 06 07 08 09 10 11 12 Year 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983 1982 1981 1980 1979 1978 1977 1976 1975 1974 1973 1972 1971 1970 1969 1968 1967 1966 1965 1964 1963 1962 1961 1960 1959 1958 1957 1956 1955 1954 1953 1952 1951 1950 1949 1948 1947 1946 1945 1944 1943 1942 1941 1940 1939 1938 1937 1936 1935 1934 1933 1932 1931 1930 1929 1928 1927 1926 1925 1924 1923 1922 1921 1920 1919 1918 1917 1916 1915 1914 1913 1912 1911 1910 1909 1908 1907 1906 1905 1904 1903 1902 1901 1900
Duration	One Day Three Days 12 Months

Please understand that this policy can not be -- Cancelled or Transferred, and that there is no refund of premium.              Please tick box to confirm

Are you responsible for seating arrangement                                  YES NO

If yes please state capacity numbers                                             

Please fully describe the nature of your catering activities -:

Are you involved in erecting any structure over 10ft high including Marquees. 

                                                                                             Yes     No

Is your business registered with the Environmental Heath/Local Authority

                                                                                             Yes     No

Please state your gross annual turnover                                        

How many people do you employ including part-time and casual                              

1. Are you now or have you previously been insured for any of the risks now proposed? YES/NO      If YES, please state name of Insurer, policy number and expiry date.	YES NO
2. Have you or any partner/director in connection with your Business suffered any claims or been involved with any incidents which may give rise to liability claim (whether insured or not), during the past 5 years for the risks now proposed? YES/NO If YES, please give details including Date, Type of Loss and Amount Paid/Outstanding	YES NO
3. Have you or any partner/director in connection with your Business: (a) Had any proposal or insurance declined, cancelled, refused, or made subject to increased rates or special terms? YES/NO     (b) been convicted of arson or any other offence involving dishonesty of any kind (e.g. fraud, theft, etc.) YES/NO      (c) been prosecuted under any safety legislation during the last 5 years? YES/NO      (d) been declared bankrupt or insolvent? YES/NO     If YES to any question please full details	YES NO   YES NO   YES NO YES NO
4. Has the proposer or any partner/director ever had a County Court Judgement registered against them? YES/NO   If YES, please give details including date(s) and amount(s)	YES NO

SUMMARY OF COVER

Public Liability: £5,000,000 (£5 Million)
Products Liability: £5,000,000 (£5 Million)
(inc. Food Poisoning)
Employers’ Liability: £10,000,000 (£10 Million)
Policy Excess* £250.00
*The amount you are liable to pay should any one make a valid claim against you
for property damage, NOT personal injury.

 

                  

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LIFE TERM INSURANCE

Help line 01909 773632

To receive a quotation by email please answer these questions

back

FULL NAME     DOB

       HEIGHT                WEIGHT

         JOINT APPLICANT FULL NAME    DOB    HEIGHT    WEIGHT

                CONTACT PHONE NUMBER                                     EMAIL ADDRESS

 RELATIONSHIP BETWEEN  APPLICANTS  SELECTT SPOUSE PARTNER CHILD BUSINESS PARTNER         ARE ALL APPLICANTS UK CITIZENS YES NO     

 AMOUNT OF LIFE COVER REQUIRED  SELECT £75000 £50000 £100000 £125000 £150000 £200000 £250000 £300000 £350000 £400000 £450000 £500000 £600000 £700000 £800000 £900000                              YEARS TO AGE 70 5 10 15 20 25 30 TO AGE 65 YESS NO

  HEALTH QUESTIONS      APPLICANT ONE  

                   SMOKER (in the last year)  NO YES     PIPE CIGARETTES HOW MANY PER DAY    WEEKLY UNITS of ALCOHOL

1. HAVE YOU EVER BEEN REFUSED OR ACCEPTED ON SPECIAL TERMS FOR LIFE or HEALTH ASSURANCE.............................................................................. NO YES   

2. NO YES

3. NO YES

4. NOO YES

5. NOO YES

6. NOO YES

7. HAVE ANY of YOUR CLOSE FAMILY SUFFERED FROM HEART or CIRCULATION PROBLEMS BEFORE AGE 60.......................................................................... NO YES

HEALTH QUESTIONS      APPLICANT TWO  

                   SMOKER (in the last year)  NO YES     PIPE CIGARETTES   HOW MANY PER DAY    WEEKLY UNITS of ALCOHOL

1. HAVE YOU EVER BEEN REFUSED OR ACCEPTED ON SPECIAL TERMS FOR LIFE or HEALTH ASSURANCE.............................................................................. NO YES   

2. NOO YES

3. NOO YES

4. IN THE LAST 5 YRS HAVE YOU BEEN INCAPACITATED for 10 CONSECUTIVE DAYS or BEEN AN IN PATIENT IN HOSPITAL or CLINIC..................................... NO YES

5. NOO YES

6. NOO YES

7. NOO YES

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MORTGAGE PAYMENT PROTECTION

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Gives peace of mind knowing that in the event of not being able to work through Sickness, Accident or Unemployment your home is safe from  repossession.

CAN BE TAILORED TO SUIT YOUR NEEDS

Day one start, Deferred Start, Sickness Only, Redundancy Only, Extra Cover above mortgage payment, Select length  benefit is paid for.

For Both Employed & Self Employed

Please  note that there are no state benefit payable for the first 9 months to assist with mortgage payments.

01909  773632

..

Full Name
DOB	1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Employment Status	Please Select Employed Self Employed Director ...................................................................................
Occupation
Nature of Business
Mortgage Payment
Total Cover   Required
To Cover For	Sickness,Accident & Unemployment Unemployment Only Sickness Only
From	Day 1 30 day, back to day 1 30 day 6 months ..............................................................
Phone   Number
E-Mail Address
Address
Post Code

                          

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 WHAT YOUR SCORE MEANS TO YOU

SCORE RATINGS Back Credit scores at a glance:   EXCELLENT Your credit score is above 800. Lenders and insurers view you as an excellent credit risk. You probably have a long history of using credit responsibly. Your credit report likely contains multiple credit and loan accounts that have all been paid on time for years. You have no public records, such as CCJ's. Your excellent score means you can qualify for the best interest rates available.               VERY GOOD    Top Your credit score is between 750 and 800 and you are considered a very low credit risk. You use your credit accounts responsibly and pay your accounts on time each month. Your credit score qualifies you for some of the lowest rates available.                                 GOOD   Top Your credit score is between 700 and 750. Lenders and insurance  companies view you as a low credit risk. You may have had late payments in the past, but all of your accounts are currently paid on time. You also do not have an excessive amount of credit card debt. Your credit score qualifies you for very competitive interest rates and terms. FAIR    Top Your credit score is between 650 and 700. You are considered to be a moderate credit risk. You may have older derogatory items on your credit report that are not hurting your score as much as they used to. Your fair credit score could also be the result of higher than normal credit card debt or too many applications for new credit in the past few months. BAD    Top Your credit score is between 600 and 650. Lenders and insurance companies will view you as being a high risk. Scores below 650 are considered "sub prime" by many lenders. Your credit score could be lower than average because of high amounts of credit card debt or derogatory items on your credit report, such as late payments, collections, or even CCJ's, bankruptcy etc. Your credit score makes it difficult to be approved for standard credit products at competitive rates and terms. It’s also possible that you could be denied for credit or insurance. VERY BAD    Top Your credit score is below 600. This means that you are a very high credit risk. Mainstream lenders and insurance companies are not likely to approve your applications. If you are approved, you will charged  higher interest rates or premiums. Credit scores below 600 are usually caused by late payments, collection accounts, or adverse public records appearing on your credit reports. Excessive applications for new credit or high amounts of credit card debt can also lower your score. It will be difficult for you to obtain new credit without a large down payment. No CREDIT   Top You have no credit score. Lenders and insurers cannot accurately predict your credit risk and by default they consider you to be a high risk. Having no credit is better than having very bad credit, however, and you can be approved for new accounts. You probably have not been using credit cards and loans regularly enough for there to be recent information on your credit reports. You may be trying to open your first account, or you simply have not used any type of credit recently. You can establish your credit by opening a new credit card and using it responsibly. After a few months (12)of use, your credit report should be able to be scored. Back

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

REQUEST TO BE CONTACTED BY A MORTGAGE CONSULTANT

 

  

Title: Mr. Mrs. Miss Ms.           First Name:        Last Name:  Date of Birth:   

House number/Street:             District:                Town:

Post Code:      Home phone:      Work/Mobile:              *Email:   

Mortgage Details

Mortgage amount:  £                                   Property value: £         Mortgage Type: RepaymentInterest OnlySplit

Purpose for Mortgage:          --- select --- Re-mortgage Purchase Buy-to-let                        Have you found a property? --- select --- Yes No Re-mortgage                        Term of mortgage: yrs 

First Time Buyer?                 Yes   No                                                 Self Certified:(Difficulty in proving your income)     Yes   No     

Any Credit Problems: (Missed payments on loans, credit cards or mortgage arrears or County Court Judgments?)             Yes   No     
              Any Other Relevant Information:         

Best Contact Time

Your preferred date 01 02 03 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec 2008 2007                                       Your preferred time: 9.00am - 12.00 2.00pm - 3.00pm 4.00pm - 5.00pm 5.00pm - 6.30pm

I / We hereby give consent for you to call me/us to discuss my/our mortgage requirements and options.

Please check your details above

                                                                      Back

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE