As our name suggests, our main business is in helping our clients buy their homes, or reduce the cost of their mortgage.  But what if it all goes wrong?  We are also authorised to advise on general insurance and non-investment Life Assurance.

Lenders will require you to insure your house as a condition of the mortgage.  You should also consider protecting your home's contents against fire, flood, theft, accident or loss.  You will be surprised how much it would cost to replace all the contents of your home on a new-for-old basis, and many people woefully under-estimate the value of their belongings.  Yet it is not expensive to ensure that, if some disaster should happen, your contents can be replaced at the insurer's expense rather than yours.  Ask us for a quotation.

Your mortgage lender will also expect you to make monthly payments for your mortgage, which is fine until somebody gets ill, has an accident or loses their job. How would you manage with a reduced, or even no, income?  Inability to make the monthly payments as a consequence of being unable to work could lead to your home being repossessed - spend a little time thinking through just if, and how, you might manage if you couldn't work, and then call us to see how you might protect yourselves, your home, and your family with one of the various forms of Mortgage Payment Protection Insurance.

None of us likes to think too deeply about the possibility of dying or contracting a crtical illness - it's a scary subject, yet we all know of someone who has died young, or had a heart attack, cancer or stroke out of the blue.  We sympathise, of course, but what would happen to our own home and family if the worst happened?  You may be surprised at how affordable Life Assurance and/or Critical Illness Assurance can be, but a word of warning - be sure that if you buy this sort of cover yourself, that the contract is suitable for you.  If not, the policy may not pay out when you need it most - and you will have no recourse to the Financial Ombudsman.  Why not let us help you to ensure that the cover you buy is appropriate for your needs?  There is no cost or obligation in getting a quotation from us.