Mortgage Protection

Taking Simple Steps to
Secure your Home or your Business
against life’s Challenges

Options tailored to your needs to protect your home, family
or business when you need it most

Uncomplicated Options to Protect your Home and Business

Our approach to mortgage protection is straightforward.
We know that your home and your business are valuable to you- and not just because they cost money.
During our process to understand your borrowing requirements, our team takes notice of your lifestyle or your business.

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Get to Know You:

We work through this with you when we are looking for a mortgage for you. But you don’t have to take out a mortgage with us to look into your protection options.

Download Fact Finder

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Market Research:

Armed with that information we can search for the right products to help you protect your most valued assets in the event that you are unable to meet your mortgage payments.

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Your Options:

We’ll present you with your options, answer any questions, and give any advice that you may need to help you make your decision.

There is some specific information that we will need to collect from you:

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Your Health.

We ask a comprehensive list of questions to make sure that we find the right cover for you.

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Family History.

Is there a history of health concerns in your family?

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Employment.

Do you travel overseas or work in a high-risk occupation?

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Family after you.

Do you want to make extra provision for your family. We aim to ensure that your family has the right money at the right time to ensure their wellbeing should the worst happen.

Critical illness cover

As the name suggests, this protects you in the event that you contract a defined critical illness. Illnesses such as cancer and heart attack fall under this product. When you purchase this product it is vital that you declare everything that you know about your health. The level of cover and cost will depend on your family history and current health. It may also consider your job.

Loss of income protection

Another product in the mortgage protection family is income protection. Income protection replaces your income in the event that you are incapacitated through illness. Income protection will typically payout after a defined period until you retire, return to work or die. You won’t get a payout if you’re made redundant, however, and insurers have reacted in different ways to the Coronavirus outbreak.

Life cover

Most people know what life insurance is. Most lenders will check that you have it in place when you take out a mortgage with them. It pays out a sum of money in the event of your death. But there are different variations of cover to ensure that the policy matches the mortgage that you have taken out;

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Level Term

Will pay out a level sum of money. This is paid to your family, or nominated person in the event of your death.

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Decreasing Term

As the name suggests, the payout made on death reduces in line with your current mortgage.

Business Protection

If you’re a company director, a partner in a business, or sole trader there are options for you to consider to protect you. Not only can you protect yourself and your family in the same way as you would for mortgage protection. But you can protect your business against the loss of key employees to ensure business continuity.

Our clients are very happy to work with us

I have recommended the company to friends and will continue to, their services are really invaluable!

Phone calls and emails were always answered promptly and by an informed and up to date advisor

Great customer service and advice. Patient and thorough, takes the time to explain the details and nuances no matter how trivial an issue may be. I’ve always felt like I was in very safe hands