A Simple, Joined-Up Approach to Mortgage and Protection Advice

Arranging the right mortgage is a key part of your financial planning, but it’s not the only consideration. Once your mortgage options are clear, we offer the opportunity to talk through protection in a straightforward and practical way—helping you consider how your income and household commitments could be supported if your circumstances were to change.

Step 1: Mortgage First, Always

We begin by focusing on your mortgage needs. This includes understanding your property plans, affordability, and long-term objectives. Protection is never discussed at the expense of your mortgage advice and is introduced only once your mortgage options are clearly established.

Step 2: Understanding Your Commitments

Once your mortgage is in place, we take time to understand your wider financial commitments—such as household bills, dependants, and income reliability. This helps us assess whether protection may be relevant to your circumstances, without assumption or pressure.

Step 3: Clear, Relevant Protection Advice

Where appropriate, we provide clear, FCA-regulated advice on protection options such as income protection and family income benefit. Our focus is on explaining how these policies work in practice, the level of cover that may be suitable, and the limitations involved, so you can make an informed decision.

Step 4: Specialist Support Where Needed

For areas requiring dedicated specialist expertise, such as life insurance and critical illness cover, we refer clients to our trusted network partner, The Home Loan Partnership. This ensures you receive advice from specialists whose sole focus is protection, while we remain focused on delivering high-quality mortgage advice.

Step 5: No Pressure, Ongoing Support

Protection decisions are personal and may change over time. Whether you proceed immediately, review your options later, or decide no cover is appropriate at this stage, we remain available to support you and revisit your arrangements as your circumstances evolve.