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Protecting Your Mortgage and Home

Nicholas Mendes

9 September 2024

Having a protection review is a vital part of the mortgage process. It ensures that your home and investment are adequately protected in the event of any unforeseen circumstances. In our short video, we summarise the core reasons why you should consider mortgage protection.

Video Breakdown

0:07 – Financial Protection

0:33 – The Uses of a Protection Review

0:49 – Financial Vulnerabilities

1:27 – Your Financial Journey

Financial protection provides you with peace of mind should you experience an unexpected loss of income due to unforeseen circumstances, such as: accident, illness or even death. You, your home, your investment and your loved ones will be adequately protected. We help you to identify any financial vulnerabilities and we will review any existing strategies you already have to ensure they align with your goals should the unexpected happen.

Life changes and is unpredictable. A review of your financial vulnerabilities will help to ensure that should the unexpected happen, your present and future financial goals are met, your way of life can be maintained and your mortgage can be repaid.

It can offer the following: peace of mind, family security and provides you with the information needed to make informed decisions. It’s an essential part of your financial journey. Our experienced protection advisors will confidently guide you through the process, recommending solutions which meet your unique goals and circumstances.

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1. First Charge - I understand that a first charge mortgage could be a more cost-effective alternative to a second charge and have considered this before proceeding.

2. Existing Mortgage Product - I am currently tied into a mortgage product with an early repayment charge if I choose to leave this deal early and I have investigated the possibility of a further advance from my existing lender.

3. Product Suitability - I understand that second charge mortgages may not be suitable in all situations and that advice will be provided by our second charge partner “The Loan Partnership” to help determine if this is the right solution for me.

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5. Understanding of Risk - I understand the risks associated with securing other debts against my home and my home may be repossessed if I do not keep up repayments on a mortgage or any debt secured against it. I am also aware that by consolidating existing borrowing that I may be extending the terms of the debt and increasing the total amount I repay.

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