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Protection Services
Life insurance, income protection, and building & contents cover tailored to individual circumstances.
Protecting your home, income, and family is just as important as securing the right mortgage. Options Mortgage Services provides clear, personalised advice on a range of protection products to help ensure that you and your loved ones are financially secure, whatever life brings.
Whether you're taking out a new mortgage or simply reviewing your existing cover, expert guidance can help you understand the options available and choose the right level of protection for your circumstances.
As with all insurance policies, conditions and exclusions will apply
Who This Is For
Protection advice is relevant to anyone looking to safeguard their financial position and provide security for those who depend on them.
Advice can help if you:
Are taking out a new mortgage and want to protect your repayments
Want to ensure your family could meet mortgage payments if you were unable to work
Are reviewing your existing life insurance or income protection cover (which may provide either a lump sum or regular monthly benefit)
Need buildings and contents insurance for a new or existing property
Want to understand what protection options are available to you
Why Use a Mortgage Broker?
There are several types of protection available, and a broker can help identify which products are most relevant to your situation.
Protection products available include:
Life insurance — provides a lump sum or a monthly benefit to your family in the event of your death
Critical illness cover — pays out if you're diagnosed with a specified serious illness
Income protection — replaces a proportion of your income if you're unable to work
Buildings and contents insurance — covers your property structure and belongings
Advice is provided based on your individual circumstances to help identify the cover that best meets your needs.
If you’re looking to arrange a mortgage, high street banks or building societies aren’t the route most people take.
How the Process Works
Arranging a mortgage doesn’t have to be complicated. The process is designed to guide you step by step, from the initial discussion through to completion.
1
Initial Consultation
Your circumstances, goals, and requirements are discussed to understand the type of mortgage that may be suitable for you.
3
Mortgage Application
Support is provided throughout the application process, including preparing documentation and liaising with lenders where required.
2
Exploring Your Options
Available lenders and mortgage products are reviewed to identify suitable options based on your situation.
4
Offer and Completion
Once your mortgage is approved, the process moves towards completion so you can move forward with your plans.
Protecting Your Home and Family
When arranging protection, it's important to ensure that the level of cover you take out is appropriate for your mortgage balance and your family's ongoing financial needs.
Key considerations include:
Ensuring your mortgage would be repaid in full in the event of death
Covering monthly outgoings if you were unable to work through illness or injury
Making sure your home and belongings are adequately insured
These policies can help provide financial security should unexpected circumstances arise.
As with all insurance policies, conditions and exclusions will apply.
