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The mortgage and insurance market can be very confusing, even for those who already have them. Liz will clearly explain all the different types of options in a way that you will understand, to help you make an informed choice. She will help you decide whether a product is suitable for your circumstances.
Get the best mortgage from 100’s of deals
We compare the whole the mortgage lenders market, including all major high street lenders and specialised lenders too.
Our entire mortgage advice service costs you nothing
Get dedicated 1-2-1 support and advice from start to finish
We will ensure smooth completion of your mortgage, and deal with all the paperwork on your behalf
The mortgage market can be very confusing, even for those who already have a mortgage. Liz will clearly explain all the different types of mortgage in a way that you will understand, to help you make an informed choice. She will help you decide whether a fixed rate mortgage, tracker mortgage, capped rate, discounted rate mortgage is the most suitable for your circumstances.
Your home is one of the most important things you own. If you have a mortgage, the right insurance can help you keep up the payments if you’re unable to work.
Building and Contents Insurance
Home insurance protects you from insured events that damage your home or your belongings. If your home is damaged or destroyed in a fire for example, then having the right insurance could mean the insurance provider will pay to replace your belongings and repair or rebuild your home.
Income protection insurance will pay out if you’re unable to work due to an accident or ill health. This type of insurance provides a long term safety net as it’s possible to get insurance that will cover you from when you’re off work until you can go back. Even if it’s unlikely that you will ever be able to return to work, the cover should keep up your payments until your pension kicks in
Critical Illness Insurance
Critical illness cover is designed to ease financial hardship if you become seriously ill or disabled. It will pay out a one-off cash sum if you’re diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs.
Life insurance will pay out a lump sum if you die during the policy term. This kind of cover is especially important if you have dependents, and want to make sure the mortgage would be paid off after your death.
Frequently Asked Questions
A standard variable rate mortgage (also known as an SVR or reversion rate mortgage) is a type of variable rate mortgage. The SVR is a lender’s ‘default’ rate – without any limited-term deals or discounts attached.
When a fixed, tracker or discount mortgage deal comes to an end, you will usually be transferred automatically onto your lender’s SVR.
It can be risky to stay on your lender’s standard variable rate mortgage. A lender can raise or lower its SVR at any time – and as a borrower you have no control over what happens to it. Standard variable rates tend to be influenced by changes in the level of the Bank of England’s base rate. However, a lender may also decide to change its SVR while the base rate remains unchanged.
If you are on a tight budget and relying on your SVR to remain low, you’re in a very vulnerable position. In this case, it is very important you try to remortgage onto a fixed rate deal (which offers rate stability) before it’s too late.
With medical advances meaning that many serious illnesses are not proving fatal, they can still have a major impact on your life and on your ability to earn a living.
Critical Illness Cover could help reduce the financial impact of a critical illness by helping with practicalities such as helping to pay off your mortgage and helping to pay any bills, allowing you the time to recover.
You can choose to apply for benefits to cover your own life – this is a single person plan.
Or, you can apply for benefits with your partner to cover your individual protection needs in one plan with joint ownership – this is a two person plan.
Thank you both so much for sorting everything out for us to move into the house. We didn’t even think that we were in a position to move! It’s not what you know, it’s who you know! You’re first on the list to a BBQ when it’s all sorted!
Thanks so much Liz for all your help love, you made the whole process so easy. We absolutely love the house, still living out of boxes, but it will take time I suppose – especially when I choose a glass of wine, rather than unpacking.
Thank you for all you did for us – again. We are settling into our new home, having managed to empty most of the boxes! If you ever venture up this far, please call in and see us…you know our address. Very best wishes.
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Liz Kay offers a truly personal one-to-one mortgage service that you can be assured is completely independent and totally unbiased.