Learn more
Whether you have just moved into your new home or lived in the same place
for years, it’s important to make sure that you have sufficiently insured your
home and everything in it.
You may think that you won’t ever need to make a claim on your home
insurance, but there are some factors that are beyond our control. For
example, in 2023, a total of £573m was paid out in weather-related home
insurance claims.
It might feel overwhelming knowing where to start, but we’ve put together this handy guide to help you make sense of it all.
To download this resource, please fill out the form so that we can send the document to you. It will arrive instantly in your mailbox.
As with all insurance policies, conditions and exclusions will apply.
Frequently Asked Questions
Can’t find what you’re looking for?
Mortgage FAQs
What does a mortgage advisor do?
A mortgage adviser or broker finds and arranges the most suitable mortgage for your needs, comparing deals across lenders and managing the application process for you. They communicate with lenders, solicitors and accountants, providing advice on your options, putting time and control back in your hands.
Do I need a mortgage advisor?
If you’re short on time, have a complex income or want access to a wider range of deals, an adviser can save you time and stress.
What if I have bad credit?
We work with lenders who consider applicants with poor credit histories. We’ll assess your situation and guide you through your options.
Do you charge a fee?
We offer an initial free consultation to determine if we can assist you. Upon instruction, our standard fee payable is £250 followed by a further £245 once the mortgage offer has been issued. However, depending on your circumstances and the work required, this may change – we will clearly state the fee before commencing work.
How long does the mortgage process take?
It varies, but we aim to move quickly. Once we understand your needs, we handle the paperwork and keep things moving to help you achieve your goals.
Can you help with buy-to-let mortgages?
Absolutely! Whether you’re a first-time landlord or expanding your portfolio, we can help you find the right deal and give you tailored advice. Take a look at Nadine’s story to learn more.
Do you offer advice on second homes or holiday lets?
Yes! We can help you finance second homes, UK holiday lets or properties abroad, depending on your goals. Click here to read about Nadine’s experience with us.
What documents will I need?
Typically, ID, proof of income, a credit report, bank statements and details of any debts or financial commitments. We’ll give you a full checklist.
Can you help with remortgaging?
Yes! Whether your current deal is ending or you want to release equity, we’ll help you find a better fit. We helped Antony refinance his home – click here to read his story.
Protection FAQs
What is personal protection?
It includes life insurance, family income benefits, critical illness cover and income protection, all designed to support you and your family if something unexpected happens.
What is business protection?
Business protection covers key people, shareholders and loan repayments. It helps keep your business running if someone vital becomes seriously ill or passes away.
Do I really need protection insurance?
If you have a mortgage, dependents or a business, protection gives you financial security and peace of mind if life doesn’t go to plan.
Can I get cover if I have a health condition?
Yes! We work with insurers who consider a wide range of health backgrounds. We’ll help you find the most suitable option.
How much cover do I need?
That depends on your income, debts and family or business responsibilities. We’ll help you calculate the right level of protection.
Is protection expensive?
It can be more affordable than you think! We’ll tailor the cover to your budget and priorities.
What’s the difference between life insurance & income protection?
Life insurance pays out if you pass away; income protection pays a monthly benefit if you can’t work due to illness or injury.
Can I combine mortgage and protection advice?
Yes! We often arrange both together to make sure your home and income are fully protected.
How long does it take to get covered?
Some policies can be arranged in a day. Others may take longer if medical checks are needed. We’ll keep on top of the admin and communications for you.
Will you review my cover in future?
We offer ongoing support to make sure your protection still fits your needs as life changes.
