Mortgage & Protection Advice

First-Time Buyers, Home Movers & Second Residential

Help with getting a mortgage whether it’s your first home, you’re moving, or buying another property. I guide you through every step so you know exactly what to expect.

Government Schemes (Shared Ownership, Staircasing, Right to Buy/Acquire, First Homes, Lifetime ISA)

Support is available through government schemes designed to make buying a home easier. These include options to purchase a share of a property and increase your ownership later, buy the home you currently rent from a housing association/council, or benefit from government contributions towards your deposit through schemes like the Lifetime ISA.

Remortgages (Including Equity Release)

Switch your current mortgage to save money, fix your rate, or release funds for things like home improvements, buying additional property and etc.

Buy-to-Let (Personal or Limited Company)

Advice for anyone wanting to invest in rental properties, whether a normal rental, HMO (House of Multiple Occupancy - rented by room), or holiday let (services accommodation or Airbnb)

Debt Consolidation Mortgages

Helps combine your existing debts into one monthly payment through your mortgage (only if suitable for your situation).

Commercial, 2nd Charge & Unregulated Mortgages (Referrals)

Introductions to specialists for business or non-standard property finance.

Life Cover

Life insurance is designed to protect the people you care about most. If you pass away, it provides a lump-sum payment that can help your family stay financially secure during a very difficult time. It ensures that your loved ones are not left with financial pressure when they need support the most.

Two main types:

• Family Protection – Gives financial support to your dependants, helping with living costs such as rent/mortgage, bills, and daily expenses.
• Mortgage Protection – Pays off your mortgage so your family can keep the home.

Life insurance payouts are typically used to:

• Clear a mortgage or contribute to rent
• Cover household bills and living costs
• Provide financial stability for your family

Critical Illness Cover (Including Optional Children Cover)

Critical Illness Cover pays a tax-free lump sum if you’re diagnosed with a serious medical condition listed in your policy.

This money can help you:

• Manage bills
• Pay for treatment
• Make lifestyle adjustments while you focus on recovery
• Reduce work hours or take time off to recover (you can use the money however you need)

Types of cover: Insurers offer different levels of Critical Illness Cover, from standard plans covering the most common serious illnesses to enhanced options with broader protection. Some plans also include optional children’s cover.

Income Protection

Provides a monthly tax-free income of up to 60% of your salary if you’re unable to work due to illness or injury. You can choose different benefit terms—1, 2, or 5 years, or cover that continues until retirement if you’re unable (never ever) to return to work. The best option depends on your profession, budget, and how long you’d want financial support during a difficult time.

Income Protection benefits can be used for anything you need, including:

• Mortgage or rent payments
• Household bills
• Other personal expenses

Accident & Sickness Multicover for Adults and Kids

For adults and kids (*from £10 for adults and from £6 for kids)

A low-cost cover that pays out if you experience an accident or hospitalization. Payments are made when a qualifying event occurs, such as a broken bone (with hospital confirmation), providing financial support during challenging times.

These payouts can be used for anything you need:

• Mortgage or rent payments
• Household bills
• Additional expenses

*Prices are correct as per November 2025, subject to change from time to time.

Global Treatment

(*from £3 per month)

If clients or their children were to become seriously ill, they would want the option to be treated at the best hospitals in the world by leading medical experts. That’s what Global Treatment offers.

Main features:

• Available as an add-on from as low as £3 per month to Critical Illness+, Life Insurance+, and Income Protection
• Access to worldwide treatment options alongside UK-based care
• Covers treatment, flights, and accommodation up to £2m per policy (or £1m per year)

*Prices are correct as per November 2025, subject to change from time to time.

Home Insurance (Buildings, Contents, Landlord)

Home insurance protects your property and belongings against damage, theft, and unexpected events. This applies whether you’re a homeowner or a tenant.

For landlords, cover can include rent guarantee, legal protection, and insurance for building/landlord-owned contents.

Private Medical Insurance (Referrals)

Introductions to experts who can help you get faster access to private healthcare. Packages vary by provider.

Commercial Insurance (Referrals)

Referrals to trusted partners offering a wide range of business insurance solutions tailored to your needs.

Overview

Helps safeguard the long-term financial stability of the business during challenging circumstances, ensuring operations continue as usual through a range of tailored protection options:

Relevant Life Plans

A tax-efficient way for a business to provide life cover for directors or employees. HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Key Person Cover

Protects your business financially if an important employee or director becomes critically ill or passes away.

Shareholder & Partnership Protection

Helps remaining business owners buy back shares if a partner dies or becomes seriously ill—keeping control of the business in the right hands.

Business Loan Protection

Ensures business loans can still be repaid if the person responsible for them becomes ill or dies.

Business Income Protection

It is designed to provide the business with a financial support to help cover the costs of sick pay, as well as employer pension and national insurance costs while an employee is off due to long-term sickness.