Speak to an expert
Domenico Perrotta
Mortgage and Protection Adviser
He specialises in guiding first-time buyers through the entire homebuying journey, while also leading on more complex cases — including Let-to-Buy transactions and supporting foreign nationals during their early residency in the UK.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £199.
Body
This is cover that pays out on death. Some plans pay upon earlier confirmation of a terminal illness where the prognosis is death within 12 months. Proceeds can pay out as a lump sum or as annual amount for the remainder of the policy term.
Protect What Matters Most
We help you understand and compare protection policies, so you can make confident decisions about safeguarding your family's financial wellbeing.
Cover can last for a set term called Term Assurance, or can last throughout life, called Whole of Life.
The amount of cover can remain the same or increase/decrease annually. Level term assurance stays the same throughout. Decreasing cover is sometimes used to cover a reducing debt, such as a repayment mortgage and usually assumes a given interest rate. Provided your mortgage rates don’t exceed that rate, then the cover should reduce at around the same rate as the mortgage. The amount you pay is called the premium. It can either be guaranteed not to change, or it can be reviewable.
Our specialist advisers help you build a safety net with the right life, critical illness, and income protection to secure your family's future.
Reviewable cover normally changes based on the claims experience of the life assurance company.
Get in touch
Reach out and let's start a conversation.
Warning Text
THE PLAN USUALLY WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
FOR INSURANCE BUSINESS WE OFFER PRODUCTS FROM A RANGE OF INSURERS.
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Mortgages
Mortgages are loans which are intended to help buyers purchase residential...
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Buy to Let
Buy-to-let (BTL) mortgages are specifically for individuals who wish to buy...
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First Time Buyers
The prospect of buying your first home could be both daunting and confusing...
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Remortgaging your Property
Whether you are looking at consolidating your debts, raising money for home...
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Let to Buy Mortgage
A let-to-buy mortgage can be complicated as it involves refinancing your...
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Protection
There are events we can all face that have the potential to disrupt lives,...
