Services
Explore our
Personal
Protection
Services
Life doesn’t always go to plan – personal protection helps you stay financially secure when change happens unexpectedly.
Whether it’s illness, injury or loss of income, the right cover can protect your home, lifestyle and the people who rely on you.
We advise on insurance that can help pay off your mortgage, replace lost income or cover essential costs if you’re unable to work.
What Personal Protection We Offer
We’ll take the time to understand your circumstances and priorities, then recommend cover that fits your needs and budget.
We search the market to find the most suitable options, so you don’t have to.
As with all insurance policies, conditions and exclusions will apply. The cost of this insurance depends on several factors, such as your age, where you live and your occupation. As a result, the cost you will pay is based on your own circumstances.
Life insurance offers financial protection for loved ones in the event of your death while the policy is active. It pays a lump sump to maintain their living standards and settle bills. A policy can cover one person or two people through a joint policy, paying out once to conclude the policy.
Personal protection gives you confidence to move forward, knowing you’re covered for whatever life brings.
Family income benefit is a type of life insurance that pays out monthly instead of a lump sum. It’s designed to replace lost income following the passing of the insured.
Home insurance covers private residences and its contents in case of disaster, theft or accident. Whether you’re looking to cover your main residence, second home or are a landlord wanting to protect your property, we can advise on the right cover for you.
This policy pays you a monthly amount if you’re unable to work due to illness or injury. It covers a portion of your lost earnings, allowing you to focus on recovery.
This policy pays a tax-free lump sum if you become critically ill during the policy term to cover health-related costs, monthly expenses or lost income while you recuperate.
Personal
Protection
Testimonials
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Fantastic service!
Laura at Thickbroom/Mutatio Mortgages was incredibly supportive throughout the whole mortgage process. Questions were answered incredibly quickly, in detail, and I felt guided and supported throughout the whole process as a first time buyer - I would highly recommend!
Meera Patel
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Home insurance
What a nice Guy Steve is. He was more than helpful. I fully recommend him. He sorted my home insurance out in a matter of hours. Also it was a very competitive price. I will be using him for future business. Thank you.
Michael Davis
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Phenomenal service and help getting a mortgage
Laura was absolutely fantastic helping me navigate the complex and scary world of mortgages. She broke down the process, no question ever considered silly. Extremely thankful for her input as I sit here now in my new home. I will definitely be using her again and recommending them to friends and family. Thank you so much
James Spicer
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Having not had a mortgage for many…
Having not had a mortgage for many years and not knowing what to do first Steve and his team guided me all the way. No question was a silly question and wasn’t the easiest of clients to get a mortgage for due to age and other circumstances but wow they managed it They have also helped other family members get on to the property ladder and I cannot recommend them enough A massive thank you for all you have done and now have my dream cottage Thank you Lisa x
Lisa Webb
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Fantastic team and service
Steve and Laura were absolutely fantastic with helping us navigate the complex and scary world of mortgages. They helped break down the process and guide us, no question every considered silly. They were extremely responsive and gave a wide range of options to suit our current needs and lifestyle. Extremely thankful for their input as we sit here now in our new home. We will definitely be using them again and recommending them to friends and family. Thank you so much
Ecolover
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Laura is brilliant
Laura is brilliant. This was my first experience arranging buy-to-let mortgages, so I was definitely a beginner and came in with very little knowledge of the process. From initial conversation through to mortgage offers, she made the process really clear and answered all my questions. I definitely recommend her. Thanks Laura!
Nadine Sharkey
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Excellent personalised service recieved
The team were excellent and the service received felt personalised to us. They listened to what we wanted and delivered what we asked for. Throughout the process we were kept update and I would be happy to use Mutatio again.
Beatrice
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As a first time buyer, the mortgage process was daunting. I put my full trust in Laura, who made the process simple and painless. I never doubted that they would find the perfect solution for me.
John
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Thickbroom Mortgages deserve every bit of the full 5 stars. Buying a house is supposed to be one of the most stressful things you'll do, but not in this case. Laura was extremely helpful in sorting me out with a mortgage. Right from the beginning I was thoroughly supported. She was always a step ahead (if not several) and answered every query I had very promptly indeed. It's quite rare to come away knowing you made the absolute right decision in using a company, but I have done, and will be recommending Laura and Thickbroom Mortgages to anyone who is seeking mortgage advice. If your experience is even half as good as mine has been, you'll be very pleased. Thank you again Laura!
Matthew
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.
