INSURANCE & PROTECTION

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PLANNING FOR THE UNEXPECTED

If you’re looking to protect a mortgage, make sure you leave money behind for loved ones, or other areas such as critical illness cover we have got it covered.

We’ll design a tailor made solution that fits in with your objectives and comes in at a budget that’s affordable.

To find out more about how each cover can help protect you and your family’s future, take a look at the below common questions.

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WHAT TYPE OF PROTECTION INSURANCE ARE YOU LOOKING FOR?

Unlike some brokers, banks or price comparison websites, we aren’t tied to a single insurance provider. This means that we can offer completely unbiased and impartial advice on a range of insurance policies – from Buildings and Contents insurance through to Life cover, Critical Illness and Income Protection.

Life insurance

What is it?

A Term life insurance plan is the most basic form of life insurance and is usually the cheapest way to insure your life. It covers you for a fixed period and pays out a one off lump sum if you die during the policy term.

With some term insurance policies you can add additional options, for instance critical illness cover. If you do add on critical illness cover, the plan will pay out once on diagnosis of a qualifying critical illness or if you die during the term of the policy.

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period whilst keeping the cost to a minimum. Term assurance can protect your family from the financial implications of a personal tragedy and is particularly important if you have young children or dependents. It can be used to cover a mortgage, other loan or to ensure that your family is protected from the effects of having to repay a debt after the main breadwinner has passed away. Our specialist team can help you find the one most suitable to meet your requirements.

Income protection

What is it?

An Income Protection plan is designed to pay out a regular income in the event you are unable to work due to an accident or illness. These types of plans continue to pay out an income as long as you are unable to return to work up until the end date of the policy (typically your normal retirement age).

This type of plan is quite often seen as the foundation of any financial planning as it is likely that other plans will have to be given up if you do not have sufficient income coming into the household.

Who is it for?

This type of plan is designed for anyone who is working (employed or self employed). It’s worth pointing out that even if your employer provides sick pay, it is unlikely to last for longer than twelve months and so ongoing protection is essential. Plans can be adapted to fit in with any existing protection you might have. Our specialist team can help you find the one most suitable for your requirements.

Landlord Insurance

Landlords Insurance protects landlords who are renting their property out to tenants from the associated risks.

Landlords Contents cover is available separately without the need for Buildings cover for properties where the buildings are insured as part of a managed service agreement.

Critical illness

What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a critical illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers. Our specialist team can help you find the most suitable one that best meets your requirements.

Business protection

Helping to protect the future of your business

Do you depend heavily on the skills and judgements of others within your business? Are these people vital to its effectiveness and profitability? If so, have you considered the financial impact that the death or critical illness of such a key person would have on your business? The impact could be:

A loss of profit
An interruption to cash flow
An inability to make loan repayments
A change in shareholder control

In some instances, the financial impact could be so great, that the business is unable to continue. Business Protection allows you to put in place cover that would ensure that funds become available, should a key person in your business become critically ill or die.

We can help you with the following protection

Key person insurance
Share holder protection
Group protection
Business loan protection
Relevant life plans

Call us today for a tailored solution for your business needs.

Buildings & contents insurance

What is it?

If you have a mortgage, your lender will insist that your property (and their security) is protected by buildings insurance. It usually pays out if your property is destroyed by fire, floods or subsidence (although you will need to check if you live on a flood plain, for example). Damage to fixed fittings such as baths and kitchens are often included, as well as sheds, greenhouses and garages.

If you purchase a leasehold property (such as a flat in a block of flats) the freeholder may have arranged buildings insurance for the whole block, in which case you may not need your own buildings policy.

What isn’t covered?

Your cover is based on what your home would cost to rebuild. You can check whether you have enough buildings insurance through the Building Cost Information Service (BCIS) website. It has an online tool to help you calculate the sum you should insure your building(s) for, in case your home has to be entirely rebuilt.

As always feel free to contact us so we can make sure you have the right cover that fits your needs.

Get in touch

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WHO WE WORK WITH

Below is just a small selection of the providers we’re able to work with on your behalf

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WE’RE WITH YOU EVERY STEP OF THE WAY

With over 10 years of financial services experience, from mortgages to protection, our varied industry knowledge will cater for any financial circumstance you find yourself in.

Learn more

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10 +

YEARS OF FINANCIAL EXPERTISE

We love our job and hope that shows through when there is nothing about the industry that our experienced team do not know.

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100 +

Mortgages To Suit You

No matter your circumstances, we are here to get the right mortgage for you.

If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances. You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

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FIRST TIME?

First time buyer mortgages

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MORTGAGES

Looking for a mortgage deal?

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PROTECTION

How to protect your mortgage

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REMORTGAGE

Get great remortgage deals

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READY TO DISCUSS YOUR OPTIONS?

With hundreds of mortgage products available, you can be sure that our experienced mortgage team will find a great deal for you.

Get in touch

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WHAT OUR CUSTOMERS ARE SAYING

Happy clients are the bedrock of any business and ours is no exception.

    
 
 
      Trustindex verifies that the original source of the review is Google. Thank you Steve and Lucy! The team at personal mortgage solutions were amazing from start to finish. They understood our need and went the extra mile to ensure we had everything sorted quickly. Even giving extra advice and reassurance. We’ll be using them again in the future.
  
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   Nathanael Freeman 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Very happy with our experience. Steve has helped us purchase a house 3 times now and we can't sing his praises enough. He is knowledgeable, supportive, offers lots of different options and is always good humoured and pleasant. Thanks again, Steve!
  
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   Charlotte R-G 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Always get you the best deal. Gives you as much information as you require. Can't get any better.
  
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   Nathan Dharwarkar 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. I honestly can't thank Steve enough for all his help throughout my home-buying journey. Steve was actually highly recommended to me by a trusted friend and colleague, and now I completely understand why. From the very beginning, he has been incredibly supportive, patient, and knowledgeable, making what can be a very stressful process feel much more manageable. As a first-time buyer, there were plenty of things I didn't understand, but Steve always took the time to explain everything clearly, especially the more technical aspects of mortgages and the buying process. No matter how many questions I had, he was always happy to help and never made me feel like I was asking too much. What really stood out was the support he gave me when my first purchase fell through. It was a stressful and disappointing experience, but Steve was there every step of the way, offering guidance, reassurance, and helping me get back on track. His patience and encouragement made a huge difference. I've already recommended Steve to friends and colleagues who are looking to buy their first home, and I'll continue to do so. If you're looking for a mortgage broker who is knowledgeable, approachable, and genuinely cares about his clients, I couldn't recommend him enough. Thank you, Steve and team, for all your help and support. It's been truly appreciated! 🏡😊
  
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   estela Mendoza 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. We had a fantastic experience with Personal Mortgage Solutions Ltd from start to finish. The whole process was handled quickly and efficiently, making what can often be a stressful experience feel straightforward and manageable. Every step was clearly explained, and all of our circumstances were carefully discussed and taken into consideration. Steve took the time to answer all of our questions, explain our options clearly, and keep us updated throughout. Communication was excellent, and we always felt supported and well informed. Not only were they brilliant with arranging our mortgage, but they were also fantastic when helping us with our insurance policies. They took the time to explain the different types of cover available, ensuring we understood what was best suited to our needs without any pressure. Their advice was professional, honest, and incredibly helpful. Thanks to their knowledge, efficiency, and dedication, both our mortgage and insurance arrangements were completed smoothly and much more quickly than we expected. We would highly recommend Personal Mortgage Solutions Ltd to anyone looking for expert advice and outstanding customer service. Thank you for making the whole experience so positive and stress-free. 5 stars! ⭐⭐⭐⭐⭐
  
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   Chloe “Ferguson” Sürer 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Fantastic, professional service from start to finish. Thank you for your support.
  
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   Richard Curtis 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Thanks so much to Steve and Lucy for helping us secure a great mortgage offer. They kept us informed the whole way through and answered any questions when needed. Would highly recommend.
  
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   Lauren Longley 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Steve and Lucy have been brilliant from start to finish. They clearly explained every stage of the process in what was a long buying journey for us. They dealt comprehensively and patiently with our many, many questions as first-time buyers and were also an invaluable source of informal advice on everything from solicitors to surveys and insurance. The level of service and communication they provided was incredible, and on at least one occasion, Steve answered an email sent on a Sunday afternoon with a phone call about 10 minutes later. We couldn’t recommend them highly enough.
  
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   finbarr o'reilly 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. We can’t thank Steve enough for everything he did for us. What felt impossible at the start, he turned into a reality. He was patient, professional, and always kept us informed every step of the way. If you’re looking for someone who truly goes above and beyond, Steve is the one.
  
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   Abbie Esan 
 
 
 
 
     Trustindex verifies that the original source of the review is Google. Steve and Lucy have been fantastic from start to finish throughout our mortgage journey. They made the process smooth and easy to understand. Perfect for us as first time buyers! Very friendly, helpful, and efficient.
  
  Posted on Google  
 
    
   Chloe Wood