We offer professional advice. Our experienced Mortgage advisors have an extensive knowledge of the products available on the Mortgage market and we aim to ensure you are fully aware of all the options available to you.
There are different types of insurance available to protect a range of situations. Each policy is unique to each individual and their particular circumstances, no two policies are identical. It is designed to ease the financial burden that can arise from critical illness, the loss of a loved one or loss of income.
Critical Illness cover is designed to help you cope with the kind of illnesses that can change the way you live the rest of your life. Typically, it pays out a lump sum if you are diagnosed with a specified illness within the term of the policy. The maximum payable varies between providers, but can range from £100,000 to £250,000.
Unlike other insurance that is linked to your ability to work, and acts as a replacement if you are unable to earn an income, critical illness cover is designed to help you pay for the things you need after diagnosis. This could mean changes to your home, a new car, or a permanent carer. If you would like to know more about Critical Illness cover please call Curwins Financial and Mortgage Advisors, here to help
Income Protection Insurance, also know as Permanent Health Insurance, is designed to provide you with a tax free income if you are unable to work due to an accident or illness. This insurance allows you to concentrate on getting better rather than worrying about how you are going to pay your bills.
You can generally cover up to 60% of your current income, although this does vary between insurers. Some insurers also link their payments to the Retail Prices Index, keeping pace with the true cost of living. If you would like to know more about Income Protection cover please call Curwins Financial and Mortgage Advisors, here to help
Life insurance is an affordable way to protect your family's lifestyle and give them a secure future if you're no longer around. You can choose the level of cover required. If you die, your insurance policy will pay out a lump sum or regular income for the amount you insure yourself for.
Anyone with family and financial obligations shouldn't think 'do I need it?' but rather 'what kind and how much?' Different life insurance policies suit different needs, and for that reason we take the time to learn about you and offer the most appropriate Life Protection for your individual set of circumstance. If you would like to know more about Life Protection cover please call Curwins Financial and Mortgage Advisors, here to help
Your property may be repossessed if you do not keep up repayments on your mortgage.
Typically, we charge a fee of £225 for residential mortgages, however the actual fee will depend on your circumstances and will not exceed the lower of £500 or 2% of the loan.