Sunny Singh Cemap

Background

About Sunny Singh Cemap

I am a mortgage and protection consultant working in the residential and commercial markets. Independent and whole of market, I add value to financial advice and reduce the stress of a mortgage. Located in Edinburgh and helping clients across Scotland, the UK and abroad. Specialties: • Residential mortgages – helping first time buyers take this first step, home movers to complete their purchase with minimum of stress, remortgage to help clients save money • Second home purchases – popular with parents helping their children through university, or to provide a second home for the family to stay in • Buy to let – standard buy to let and HMO (House of Multiple Occupation) mortgages • Holiday let – Short term lets, Air B&B • Bridging finance for auction purchase, non-simultaneous sale and purchase, unmortgageable properties etc • Personal and family protection / insurance – helping my clients to understand what they might want to have and then arranging it including life insurance, serious or critical illness, sick pay / income protection, private medial insurance • Business protection specialist helping business owners to protect key people, shareholders, protect business debt and provide tax efficient life cover for the family of business owners. I also help with group protection schemes and benefits • Equity release including lifetime mortgages to release funds for clients to enjoy in retirement, gift to family, fund home improvements • Commercial funding – buying commercial premises or a business, property development, asset finance