Mortgage Protection
We’ll make no bones about it:
Securing a mortgage typically ranks as the biggest, longest-running financial commitment we’ll ever make in our lives. That’s why we’ll always discuss the benefits of optional mortgage protection as we guide you through the process of buying your home.
Nobody is able to predict the future, after all. So ensuring you’re prepared for the unforeseen can feel reassuring, leaving you safe in the knowledge that you’ll remain financially secure during the toughest of times. Our friendly team will use their knowledge and expertise to explore a range of protection options, including full repayment of your mortgage, and ensuring you’ll have enough money to cover everyday living expenses. We’ve got plenty of additional advice to share with you if needed, including the potential benefits of holding your policy in trust. And of course, we’d also be happy to talk to you if you already have a mortgage, but don’t have any protection in place.
Trusts are not regulated by the Financial Conduct Authority.
Expert advice
Mortgage protection insurance is designed to pay out the amount repay your mortgage in full in the event of death or on diagnosis with a terminal illness. The benefit can also be paid out on diagnosis of a critical illness at an additional cost in your monthly premium.
When would payments begin?
Most policies pay out after thirty-one or sixty days from the date you are unable to work.
Cost effective options
Our team will look at factors such as your age, the amount of your mortgage and the type of policy you want ensuring you have optimum protection.
Let us contact you
Simply complete the details above, and a member of our friendly team will call or email to arrange an appointment.
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Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99.
What is the next step
Step 1
Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.
Step 2
Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.
Step 3
Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.
Ready to talk to a professional
Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99
Buying a house is the most expensive purchase you will ever make so don’t risk losing it. Speak to us today.
Frequently asked questions
How does mortgage protection work?
Mortgage protection is designed to repay your mortgage in full in the event of death which will allow either the surviving party to continue living at the property and be in ownership of the property to help provide financial security. The cover is structured by covering the total borrowing including any lenders arrangement fees added to the mortgage along with the proposed mortgage term. The cover reduces in line with the outstanding mortgage balance. There is an option to include critical illness coverage within the policy at an extra cost which will also allow the mortgage to be repaid in full in the event of a diagnosis of a debilitating illness such as cancer, heart attack, stroke etc. The last thing anybody wants to think about should you be diagnosed with such a condition is how am I going to pay the mortgage and with this stress taken away you can focus on the most important thing of getting better.
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Let’s get started
To arrange an appointment with our friendly team, all you have to do is click the button below. We’re looking forward to meeting you.
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About:
Chambers Financial Services Limited is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited which are authorised and regulated by the Financial Conduct Authority. Click here for more information. Internet Privacy Policy
Approver Quilter Financial Services Limited & Quilter Mortgage Planning Limited 11/01/2024
Find us at:
Fleet House, 1 Armstrong Road, Benfleet, Essex SS7 4FH
Important:
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances.
We typically charge £499. However, our maximum fee is £749, and our minimum fee is £99. Our fee is payable before we do any chargeable work on offer. Tiered pricing table dependent on circumstances.
• Complex Transactions including Complex Income, Debt Consolidation and Adverse/Sub Prime £749
• Residential Purchases £499
• Residential Remortgages £299
• Product Transfers £99
The Financial Conduct Authority do not regulate some buy to let mortgages.
Chambers Financial Services Limited is registered as a company in England & Wales registration number 08201095. Registered address: Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF.
