Mortgage Capacity Service
Clear, supportive guidance when you need to understand your borrowing power during separation or divorce. What Is a Mortgage Capacity Report? A Mortgage Capacity Report (sometimes called a Mortgage Capacity Assessment) outlines how much you may be able to borrow based on your income, commitments, and financial circumstances. Itis often required during divorce proceedings, mediation, or financial negotiations, helping […]
Children’s Critical Illness Cover
When a child becomes seriously ill, the emotional impact is overwhelming, but for many families, the financial strain can be just as challenging. It’s common for one parent to reduce their hours or stop working altogether to become a full‑time carer. At the same time, day‑to‑day costs often rise, with additional spending on hospital parking, travel, food, and time away […]
Home Insurance Explained: What You Need to Know
Your home is more than bricks and mortar, it’s your sanctuary. Protecting it with the right insurance is essential, but with so many options and add-ons, it can feel overwhelming. This guide breaks down the key elements of home insurance and the extras worth considering, so you can make confident decisions. ⭐ Understanding Policy Ratings Independent services like Defaqto compare […]
How to Choose the Right Mortgage Adviser: 5 Key Things to Look For
Choosing a mortgage adviser is a big decision — after all, they’ll be guiding you through one of the most important financial commitments of your life. But with so many options out there, how do you know who to trust? Here are five essential things to consider when appointing a mortgage adviser: 1. Do They […]
Relevant Life Cover: A Smart Way to Protect Your Team
When it comes to looking after your people, Relevant Life Cover is one of the most tax-efficient and meaningful ways a business can offer protection. What Is Relevant Life Cover? A Relevant Life Plan is a life insurance policy taken out by a business to cover an employee or director. If the insured person passes […]
Business Loan Protection.
Safeguarding Your Business from the Unexpected When your business takes on debt — whether it’s a commercial mortgage, loan, overdraft, or credit card — you’re investing in growth. But what happens if a key person, like a business owner or director, dies or becomes critically ill? Without a safety net, your business could face serious financial […]
Why Key Person Cover Matters
What would happen to your business if a key team member suddenly couldn’t work due to illness or worse? For many small and medium-sized businesses, the loss of a key person can be financially devastating. That’s where Key Person Cover comes in — a vital form of business protection that ensures your company can weather […]
Safeguard Your Business with Shareholder Protection
When you’ve built a business with others, protecting your ownership and ensuring continuity is vital — especially if something unexpected happens to a fellow shareholder. Shareholder Protection is a specialist form of insurance that helps business owners retain control of their company if another shareholder dies or suffers a critical illness. Without it, surviving owners […]
Buying a Property at Auction with a Mortgage
🏠 Buying a Property at Auction with a Mortgage: What You Need to Know Buying a property at auction can be an exciting way to secure a home or investment at a potentially lower price. But if you’re planning to use a mortgage to fund the purchase, there are some important considerations to keep in […]
Global Treatment Cover: Your Passport to World-Class Healthcare
When it comes to your health, access to the best care shouldn’t be limited by geography. Aviva’s Global Treatment Cover ensures that if you or your child face a serious medical condition, you can receive world-class treatment — wherever it’s available. What Is Global Treatment Cover? Global Treatment Cover is an optional add-on from Aviva. […]