Replacing your income through long-term sickness or Accident. Make sure you can continue to pay essential bills every month
Losing your monthly income is a potential disaster that many don’t make adequate provision for. How will you manage to pay your mortgage each month, and those essential home and family bills, if you become ill or have an accident and are unable to work? Income Protection is designed to replace your lost income once any sickness benefit ceases, to help pay those essential home costs
Income Protection plans can provide
Whilst we are delighted to see our clients finance their homes, it is even more important to ensure that they protect themselves and their families. With mortgage payments and household bills at record highs, not being able to pay those commitments at a time of prolonged illness will eat into savings, and potentially missed payments and credit issues in the future.
We must discuss your current protection plans, your current work benefits and what you need to bridge any protection gaps. Income Protection benefit is designed to start once other work benefits stop, ensuring you can concentrate on recuperation and not worry about your monthly bills. By using a variety of different protection options from the wide choice of insurers that work with, finding a solution is much easier than suffering financially.
Now is always a good time to talk about your Mortgage. Expert planning and support will give you the piece of mind you are looking for.
Our Mortgage Advisers will work directly with you, supported by industry experts to ensure you are well looked after during the mortgage process, reviewing your protection needs, and we can even help with your Will requirements.
Being a Directly Authorised Broker firm allows us greater freedom to use lenders large and small; High Street mortgage lenders you will recognise, plus smaller specialist lenders with unique schemes and bespoke underwriting opportunities.
Having access to almost every UK Mortgage lender doesn’t need to be expensive either. We keep our overheads low and pass on those savings to our clients. Our borrowers know they will save more than any fees we charge, and nothing is paid upfront – we only charge once the mortgage has been offered.
A great place to start – we offer a 30-minute free consultation to all potential clients to discuss your needs without any obligation.
Having the right insurance and protection in place for what your circumstances require is important. The EHF team are very experienced and will provide you options to consider.
What is Important to you? Let’s check what you need, and what is already in place.
We will check 000’s of policies and Insurers to find the right options for your needs.
Once we agree to proceed, we will look after all of the process for you, after a review of your medical health
Once approved by the insurers, your protection is ready to go live, giving you that peace of mind.
What’s important to you? Let's have a chat to discuss your concerns.
Let’s check what your employer provides and any other insurance you have in place.
Let’s talk through your situation, and look at each of the potential issues you may face.
Once agreed to proceed, we will need to apply on your behalf, following a review of your medical health.
We help buyers just like you to get a mortgage – regardless of your financial situation. With over 35 years of experience and access to all market lenders, we are specialists in finding the right mortgage and protection you need.
01245 398 466
EHF Mortgages is a trading name of Essex Home Finance Limited and is authorised and regulated by the Financial Conduct Authority FCA No.940123. Registered in England no: 10607263 with address: 2 The Old Coal Yard, Little Waltham Road, Chelmsford, CM1 7TG
Some types of finance such as bridging, development, commercial and buy-to-let mortgages may not be regulated by the Financial Conduct Authority. Fees may be payable for advice and/or arrangement of your mortgage. As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the repayments on it or any other loan secured against it. Think carefully before securing other debts against your home. Will writing and Estate planning is not regulated by the FCA.