When it comes to purchasing your dream home, the excitement can sometimes overshadow the necessary considerations of financial security. However there is no better time to talk about insurance and it doesn’t have to be daunting. Instead think of it as an opportunity to achieve financial resilience even in difficult conditions.
We offer tailored policies that best suit your needs and financial commitments, safeguarding lifestyle and providing stability.
Whatever your circumstances, we’re committed to finding the right mortgage for YOU. We offer a comprehensive range of mortgages from across the market to find the best deals, and our expertise ensures you’ll receive sound advice every step of the way.
Ready to start your mortgage journey? Contact us today for a free, no-obligation consultation
Mortgage & insurance advise is provided by Zita Latham under The Mortgage Mums Ltd.
Life insurance ensures that your mortgage is covered in the unfortunate event of your death. Imagine leaving your loved ones with the burden of paying off the mortgage without your income. Life insurance can help cover this debt, ensuring that your family can stay in the home you’ve worked so hard to buy.
Knowing that your loved ones are protected financially can alleviate stress and allow you to focus on building your career and enjoying your life. It’s a way of taking responsibility and showing your commitment to those who depend on you.
Integrating life insurance into your overall financial plan ensures that it complements your mortgage and other financial obligations, helping to secure your future and the future of those you care about.
Critical Illness Cover provides peace of mind, knowing that in the event of a serious illness diagnosis, financial support is readily available. Critical illness cover pays you a lump sum if you are diagnosed with a serious illness such as cancer, heart disease, stroke or multiple sclerosis.
People sometimes think that providers seek ways to avoid paying out or that the list of conditions isn’t long enough – but the insurers we work with absolutely do pay and are there to support you when you need them.
Critical illness insurance could replace your salary, help pay for lifestyle changes or even household adaptations – it takes the pressure off, so you can focus on your treatment.
Income protection is designed to provide financial security in case you are unable to work due to illness or injury. A mortgage is often the largest financial commitment you will make, and being unable to meet repayments due to a loss of income can have serious consequences, including the risk of losing your home.
Income protection ensures that you can continue to cover essential living expenses, such as mortgage payments, bills, and food, even if your income stops temporarily.
With Income Protection, you won’t have to dip into savings or accumulate debt to meet your financial obligations.
Having an Income Protection policy means that you are prepared for the unexpected, which is a cornerstone of financial planning and resilience. With tailored policies available, we can recommend a cover that best suits your needs and financial commitments, safeguarding lifestyle and providing stability.
A policy that in the event of any damage to your property, will provide cover to have that damage put right buy a qualified tradesman. Damage to your property can be costly to repair, particularly when dealing with fire or storm damage. All lenders will insist this type of cover is in place as it is a common condition of any mortgage.
Whilst building insurance will protect your actual property, it does not cover all the contents of your home. This type of cover will protect your furniture, soft furnishing, white goods and personal items.
Lenders do not insist that you have this type of insurance but you would be well advised to consider putting it in place – take 5 minutes and add up the value of everything you own in the house. You’d be surprised at just how much its all worth. We can refer you to specialist colleagues for advice for buildings and contents insurance.
