Keep your home, whatever happens

We get it. Nothing makes you want to flee for the hills faster than words like

‘death', ‘illness' and ‘insurance'.

But fear not. No doom and gloom here! Just a quick rundown of ways to make sure your mortgage is covered if you come up against tough times.

Do I really need to think about this now?

It's a good question.

You might be reading this feeling fighting fit, ready to take on the world. And let's hope it stays that way.

But think about it like this.

You're taking on a big financial commitment involving regular repayments. As of right now, you're happy you can afford it and so is the lender.

Hunky dory.

But if things did change down the line - say you fell ill and couldn't work - you could quickly find yourself in a sticky situation.

Acting now to protect your money means losing your home is something you and your family will never have to face.

Okay, so what are my options?

There are 3 main types of protection to know about. Our financial advisers can talk you through these in more detail. But here are the basics at a glance.

Remember - this is just about putting simple measures in place to free you from worry you can do without.

Life insurance

Your mortgage debt will be paid in full if you were to die or be diagnosed with a terminal illness.

Critical illness cover

Protects you against loss of income due to life-changing illness, such as cancer or a stroke. Payouts could take the form of a lump sum, regular salary or private treatment.

Income protection

Things like mental health issues, musculoskeletal problems and accidental injuries could all stop you from working. This cover will replace a proportion of your income while you recover.

How much are we talking?

Probably less than you'd think.

The cost of cover varies from as little as your Netflix subscription to a family cinema trip.

A few different factors determine what you'll pay, including the type and level of protection you choose, plus your personal circumstances.

Our financial advisers work with trusted provider Aviva, who will assess you on an individual basis and give you a personalised quote.

What do I do next?

You might already have some insurance set up but want to look into more comprehensive cover. Or maybe you're starting from scratch and trying to figure out what you need.

Either way, your financial adviser will pick things up from here and put everything in place for you.

Arrange a call at any time to get started.