Looking at your finances through a different lens

COMING SOON:  Cato an AI powered Super App designed to maximise your financial potential. We are working with Solaris Bank to build an AI powered ecosystem to automate your financial health and wellbeing. 

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Your Cato account is designed just for you. Cato will look at your full financial journey (from your income through to your expenses) and provide you with a smart account that is designed to maximise how much you can save. 

Budget Smart by splitting your income into multiple micro-accounts, allowing you to easily manage your finances, by automating paying bills and achieving your savings goals.

Automate your budget with our envelopes and keep your finances in order

Cato has partnered with leading retailers, brands and organisations to help you save while you shop. Receive cashback on your purchases directly into your Cato account.

The management of your finances starts with your Cato account where you will receive your salary, pay bills and shop. With Cato, you will receive a premium service at an affordable rate where our platform will automate your finances, maximise your savings and allows you to save while you shop with a premium Cato Debit Card. 

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A personal financial assistant that is there for you whenever you need. Our AI technology will give you the opportunity to get insights into your accounts, and even give you tips to help you save more, budget better and spend smartly.

Cato Mortgages offers a range of services to support our clients

Entering the world of property ownership for the first time can evoke a mix of excitement and apprehension. Cato Mortgages stands ready to guide you through every step of this journey. Drawing upon our extensive experience, comprehensive understanding of the mortgage market, and strong collaborative relationships, we ensure our clients are always well-supported. Our knowledgeable advisers specialise in assisting first-time homebuyers, providing clarity on borrowing potential and seamlessly managing the entire mortgage application process from start to finish. Given that a mortgage represents one of life’s most significant financial commitments, entrust a Cato Mortgages adviser to secure the best deal for your circumstances.

A purchase mortgage is secured whenever you’re looking to acquire a property,  This may be acquiring a second home, or transitioning to a new residence.

At Cato Mortgages we specialise in walking you through each stage of the process and matching you with the perfect mortgage tailored to your specific needs and situation. Our commitment lies in ensuring a swift and seamless progression of your application.

Refinancing your home, also known as remortgaging, involves transitioning from one mortgage arrangement to another. Our advisors simplify the process by presenting the best remortgage options, whether sticking with your current lender or exploring new ones. Each remortgage has the potential to adjust your monthly repayments, aligning with what suits your situation best.
Reasons to Remortgage :

Avoiding the SVR: If your current fixed or variable rate deal is nearing its end, you’ll likely transition to the lender’s standard variable rate (SVR), which tends to be more expensive.
Changing Deal Types: Whether you’re on a tracker rate and anticipate a rise in the base rate or you desire a mortgage product offering greater flexibility for overpayments, it’s crucial that your mortgage aligns with your current needs.

Releasing Equity: If your home has accrued sufficient equity, remortgaging enables you to borrow additional funds against it instead of opting for a separate loan. This could be for home improvements, debt consolidation, or other purposes.

Increased Property Value: If your property’s value has appreciated, resulting in a lower loan-to-value ratio (LTV), it might be an opportune moment to secure a more competitive interest rate.

Whether you’re a seasoned property developer or investor, venturing into renting out your first property as a new landlord, or purchasing a home for holiday rentals, our experienced team is dedicated to guiding you to success.

Regardless of your level of experience in property development and investment, we specialize in finding the most suitable mortgage for your circumstances. We have access to specific deals tailored for various purposes, including:

Buy-to-Let rental portfoliosStudent letsHouses of Multiple Occupancy (HMO)Holiday letsLimited company Buy-to-Lets

For Buy-to-Let mortgages, it’s common for lenders to require a larger deposit compared to standard residential mortgages. Typically, borrowers are expected to provide at least a 20% deposit. We’re here to assist you every step of the way in navigating these requirements and securing the optimal mortgage solution for your needs.

*Not all Buy to Let mortgages are regulated by the Financial Conduct Authority*

Whether you’re purchasing a property or securing capital for your business, it often involves taking on significant financial commitments. Therefore, it’s crucial to have the appropriate insurance coverage in place to provide peace of mind and reassurance to yourself, your family, your lender, and anyone else who depends on you.

By ensuring you have the right insurance protection, you can navigate life’s uncertainties with greater confidence, knowing that you’ve taken proactive steps to mitigate potential risks and protect the financial well-being of those who matter most to you.

Types of cover:

Life insurance

There are various options available for arranging life cover, and our advisers are here to assist you in finding the most suitable option for your requirements. Life insurance can ensure that your mortgage is repaid in the event of your death, alleviating the financial burden on your dependents or loved ones.

Additionally, there are other types of insurance offerings:

Critical Illness Cover: Provides a lump sum or regular income upon diagnosis of a specified critical illness, offering financial support during challenging times.Income Protection: Ensures that essential repayments continue to be made if you’re unable to work due to illness or injury, offering peace of mind by covering monthly expenses until you’re able to return to work.Buildings and Contents insurance: Our advisers offer a range of competitive insurance products for homeowners, landlords, and tenants from leading UK insurers. This includes adequate coverage for both buildings and contents against risks such as fire, theft, and flood. We typically offer products from a limited panel of providers to ensure comprehensive coverage and peace of mind for our clients.

Whether you are looking to finance a loan on your business or residential property, or to raise the finance for a new development, we have you covered. We work with a varied number of specialist partners that will offer you expert advice and present you with bespoke options to meet your needs.