View the range of insurances we can advise you on and learn why should have them.
View the range of insurances we can advise you on and learn why should have them.
View the range of insurances we can advise you on and learn why should have them.
It is a legal requirement that you have buildings insurance in place. This will make sure that should anything happen to the structure of the property then the cost of rebuilding your house is taken care of. The aspects that are covered are things such as storm, fire and flood.
As well as the buildings cover, you also have the option of covering the contents of your home. At Mortgage To Home we will discuss your needs at great length and match these requirements to your budget making sure you have the correct insurance package in place.
It is essential you have any buildings insurance in place upon exchange of contracts.
Life insurance will pay a tax free sum to your next of kin should you pass away. This can either be a lump sum or you can also choose for them to receive a monthly amount for the remainder of the policy term. (This is known as family income benefit)
Generally clients choose to cover the mortgage amount to make sure their estate is left debt free. However, we will discuss your budget and needs and provide you with a bespoke package to suit your individual circumstances.
This type of cover provides you with a replacement income if you are unfit for work due to an accident or illness. It will provide you with peace of mind that your normal bills and lifetime are taken care of until you are fit enough to go back to work or until your policy ceases.
Literally anyone who is working and has bills to pay. There are companies who will pay sick pay but what happens when this finishes and you are still off?
Critical illness cover will provide you with cover in the event you are diagnosed with a critical illness. Again this can either be paid as a lump sum or provide a monthly amount (family income benefit)
Critical illnesses are specified as things such as cancer, heart attack, stroke etc. The money would be provided upon diagnosis and would provide you with peace of mind whilst you were on your road to recovery.
Survival rates are dramatically improving so it doesn’t have to be something necessarily life threatening. It can be used to pay off the mortgage or provide you with breathing space when you need it the most.
As it stands you will get an amount of £96.35 per week and this is by no means forever. You will only receive this for a maximum of 28 weeks!
The different types of protection can leave people feeling sometimes confused, or still stuck asking questions. Well, you’re not alone; so take a look at some of the most frequently asked questions about insurance and protection.
Mortgage To Home is a trading style of Maven Money Ltd which is registered with the Data Protection Act 1998 registration No. ZB495682 and is authorised and regulated by the Financial Conduct Authority under Firm Reference Number 987341 an Appointed Representative of TMG Direct Limited which is authorised and regulated by the Financial Conduct Authority under Firm Reference Number: 786245 and registered with the Data Protection Act 1998 Registration No: ZA178200.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
