When you hear the word prosperity, what comes to mind?

For some, it’s the dream of owning a home. For others, it’s making sure their children never lack, no matter what happens. For many, it’s having peace of mind that their money, time, and effort are actually building a secure future.

At Empreso, we believe prosperity is personal—and that everyone deserves a clear, achievable path to reach it.

That’s why we offer four core services to help you navigate the complex world of wealth creation, protection, and legacy planning. Whether you’re just starting out or already building your financial future, we’re here to help—with guidance, tools, and personalised support.

🛡️ 1. Life Insurance: Because “What If” Happens

What It Is

Life insurance is a financial safety net. You pay a small monthly amount, and in return, your loved ones receive a large payout if you pass away during the policy term.

When You Need It

• Parents with children
• Homeowners with a mortgage
• Business owners with financial commitments
• Anyone who wants to leave something behind

Real-Life Example: Rachel, a single mum of two, took out a £250,000 life policy for just £19/month. A year later, she tragically passed away from cancer. Her policy helped her children stay in their home and continue their education.

UK Statistics to Know

• Only 35% of UK adults have life insurance (ABI, 2023)
• 1 in 29 children will lose a parent before turning 18 (Child Bereavement UK)
• The average cost of raising a child to age 18 is £160,000+

🏡 2. Mortgages: From Dream to Keys in Hand

What It Is

A mortgage is a loan used to buy property, where the home itself is collateral. You repay monthly over 20–40 years. At Empreso, we:

• Help you get a Decision in Principle (DIP)
• Search lenders on your behalf
• Assist with applications and paperwork
• Negotiate the best terms
• Support you to final offer and completion

When You Might Need It

• First-time buyers trying to get on the ladder
• Home movers looking for more space or better schools
• Investors purchasing buy-to-let or HMOs
• Remortgagers wanting better rates or equity release

Real-Life Scenario: Simon and Amina were renting in London. With our help, they secured a 90% mortgage and bought a £320,000 flat using just £32,000 of their savings.

Did You Know?

• The average UK property price is £286,000 (ONS, 2024)
• The average deposit for first-time buyers is £60,000+
• Over 1.5 million UK homeowners are on Standard Variable Rates and could save £200–£500/month by remortgaging

🏘️ 3. Property Finding Service: Let Us Do the Heavy Lifting

This is more than an estate agent. We act as your personal property search consultant, helping you:

• Define your needs
• Search and shortlist properties
• Vet and research options
• Negotiate with vendors or agents
• Connect with mortgage and legal partners

When It’s Useful

• Busy professionals with no time to house-hunt
• Families relocating to grammar school areas
• Investors looking for off-market or below-market-value deals
• International buyers unfamiliar with the UK system

Real-Life Example: Magdalena, relocating from Poland, needed a Kent home near Dartford Grammar. Within three weeks, we found a 4-bed semi in Wilmington under asking price. She moved in less than 60 days later.

⚖️ 4. Protection & Estate Planning: Build a Legacy That Lasts

Protection is more than insurance. It’s about making sure your family stays protected legally and financially—no matter what happens. Our estate planning services include:

• Wills and trusts
• Lasting Powers of Attorney (LPA)
• Critical illness and income protection
• Inheritance planning strategies

When You Need It

• If you own a home or any assets
• If you have children or dependants
• If you want to minimise inheritance tax
• If you’ve been meaning to “sort it out” for years

Real-Life Scenario: Peter died without a will. His family waited 14 months to access his estate. With a basic will, this would’ve taken less than 6 weeks. The difference? Planning.

Important UK Stats

• Over 56% of UK adults don’t have a will (Royal London, 2023)
• Inheritance tax is 40% on estates above £325,000
• LPAs are crucial if you become unable to make decisions (e.g., due to stroke, dementia)

📍 So, What’s Your First Step?

We understand that all of this can feel like a lot. But the good news? You don’t have to figure it out alone.

We offer a Free Prosperity Review—a simple, no-pressure conversation where we:

• Understand your current situation
• Clarify your short-term and long-term goals
• Identify the services that would serve you best
• Help you take action immediately—or in your own time

👉 Book Your Free Prosperity Review Today