top of page

Comprehensive Protection Solutions Tailored Just for You

Illustration representing peace of mind from life insurance

or Drop Your Details Below

and we'll get right back to you

Thanks for submitting!

Guard Your Tomorrow, Today

Securing your family's financial future is a paramount responsibility. Life insurance offers a crucial layer of protection, ensuring your loved ones are safeguarded in the face of life's uncertainties.

Life insurance serves as a financial safety net, providing a tax-free lump sum to your beneficiaries upon your passing. This payout can be instrumental in covering various expenses, including mortgage repayments, outstanding debts, and daily living costs.

Types of Protection

Term Life Insurance

Term Life Insurance offers coverage for a specified period, providing financial security for your loved ones if you pass away during the policy term. This cost-effective option ensures your family's well-being during critical years.

Critical Illness Cover

Critical Illness Cover provides a lump-sum payment if you're diagnosed with a covered critical illness. This financial support ensures you can focus on recovery without worrying about the economic impact, offering peace of mind during challenging times.

Whole Life Insurance

Whole Life Insurance offers coverage for your entire life, providing a financial safety net for your loved ones. This policy not only offers a death benefit but also accumulates cash value over time, offering additional financial flexibility.

Income Protection

Income Protection Insurance provides a financial safety net by replacing a portion of your income if you're unable to work due to illness or injury. It ensures that you can meet your financial commitments, offering peace of mind during challenging times.

Benefits of Life Insurance

Financial Security

Ensure your family's financial stability, covering immediate and long-term needs, such as education expenses and mortgage payments.

Peace of Mind

Knowing your loved ones are protected brings peace of mind, allowing you to focus on creating lasting memories without financial worries.

Estate Planning

Life insurance can play a vital role in estate planning, providing a tax-efficient way to pass on wealth to the next generation.

  • What mortgage term can I have?
    Most lenders offer terms up to age 70 or 75, contingent on your chosen retirement age and proof of retirement income. After assessing your unique circumstances, we'll provide tailored advice on the most suitable term.
  • What documents will I need?
    You'll need to provide proof of identification, address, and income. For self-employed or company directors, submit the last 2 years' tax overviews and SA302s. Employed individuals should provide the last 3 months' payslips, proof of any bonus income from the last 2 years, and details of financial commitments.
  • How much can I borrow?
    Lenders evaluate your borrowing capacity based on affordability. We'll guide you through the process, utilising your income and financial commitments to access lenders' affordability calculators and recommend the most suitable options.
  • What type of mortgages can you help with?
    Our expertise covers a wide range of scenarios, including assistance for first-time buyers, existing or new clients moving home, remortgaging, high net worth clients seeking large loan mortgages, offset mortgages, or interest-only mortgages. We also assist with buy-to-let mortgages, including portfolio landlords.
  • How is the interest rate on my mortgage determined?
    Interest rates vary based on several factors, including the type of mortgage, loan amount, and your credit history. We'll help you understand how these factors influence your rate and guide you toward the most favourable options.
  • Can I get a mortgage if I have a less-than-perfect credit history?
    Yes, it's possible. While a strong credit history improves your chances of securing a favourable rate, we work with lenders who consider various credit profiles. We'll explore suitable options based on your specific circumstances.
  • What fees should I expect when getting a mortgage?
    The fees associated with a mortgage can include arrangement fees, valuation fees, legal fees, broker fees, and more. We'll provide a transparent breakdown of all expected costs, ensuring you have a comprehensive understanding of the financial commitment involved.
  • How long does the mortgage application process take?
    The timeline varies, but on average, it takes around 4-6 weeks from application to completion. Delays can occur based on factors such as property surveys and legal processes. We'll keep you informed at every stage, providing clarity on the expected timeline.
  • Do you offer assistance for self-employed individuals and freelancers?
    Absolutely. The documentation requirements may differ, but we'll guide you through the process to secure a mortgage tailored to your unique financial situation.
  • What's the difference between a fixed-rate and variable-rate mortgage?
    A fixed-rate mortgage maintains the same interest rate for a set period, providing predictability. A variable-rate mortgage fluctuates with market conditions. We'll help you understand the pros and cons of each option, assisting you in making an informed decision.
  • Are you independant?
    Yes, we are independent and have unrestricted access to the entire market, including exclusive deals that benefit our clients.
  • Why do I need life insurance?
    Life insurance provides financial protection for your loved ones in the event of your death. It ensures that your family can cover outstanding debts, daily living expenses, and future financial needs.
  • What is critical illness cover, and is it necessary?
    Critical illness cover pays out a lump sum if you're diagnosed with a severe medical condition. While not mandatory, it offers financial support during challenging times, covering medical costs and lifestyle adjustments.
  • Why consider income protection?
    Income protection ensures a regular income if you're unable to work due to illness or injury. It's a valuable safety net, covering essential living costs when your regular income is disrupted.
  • How much cover do I need?
    The appropriate amount of cover depends on your individual circumstances, including financial commitments, debts, and lifestyle. We assess your situation to recommend suitable coverage.
  • Can I adjust my protection as my circumstances change?
    Yes, protection plans can be adapted to reflect changes in your life, such as marriage, having children, or buying a home. Regular reviews ensure your coverage aligns with your current needs.
  • Do I need protection if I'm single or without dependents?
    While the need may be less immediate, protection can still be beneficial. It can cover personal debts, funeral expenses, or serve as a financial legacy for family members or charitable causes.

Ready to Start Your Financial Journey? Let's Talk.

bottom of page