MORTGAGE ADVISORS

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Insurance

You may need insurance as part of your mortgage - either within the deal, or as an advisory addition - and we can arrange whatever you need in the way of life, income, or critical illness cover.

The normal insurances to be considered are life insurance to pay off the mortgage if you die, and critical illness to allow the mortgage to be paid off if you become seriously ill.

This is also a good time to consider your position in regards to income protection. This may be provided via your employer, or if you have no cover, you may wish to arrange some. This provides income to pay your bills while you are too ill to work.

We also have access to General Insurance products from a carefully selected provider.

You will receive professional advice about where your financial arrangements are already good, and where they’re inadequate (or not covered at all). You’ll also have our help in deciding how much you can afford and the best way forward. And of course it will all be sensibly balanced in relation to your current income and your prospects.

All our proposals will be fully explained and costed so that you’ll know exactly what and why before you agree to anything.

There are other providers of Payment Protection Insurance [Short-Term Income Protection] and other products designed to protect you against loss of income. For impartial information about insurance, please visit the website at www.moneyadviceservice.org.uk.