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Insurance offers an opportunity for you to ensure security for yourself and loved ones in the event of unforeseen circumstances. By transferring the financial burden of potential losses to an insurance company, individuals and businesses can safeguard their assets, income, and well-being. Insurance helps mitigate the impact of accidents, illnesses, natural disasters, theft, and other unexpected occurrences, ensuring that policyholders can recover and maintain stability without facing significant financial strain. Additionally, insurance encourages risk management and responsible behaviour, contributing to overall economic stability and security.

With the different insurance types and policies available, it can be a complex process to find the right one for your needs at an affordable and competitive price. Having advisers by your side during this journey can help you make an informed decision on the best policies to protect your home and loved ones.

life insurance

INCOME PROTECTION

TRUST & WILLS

MORTGAGE PROTECTION

CRITICAL ILLNESS COVER

BUILDINGS & CONTENTS

Mortgage Protection

Mortgage protection insurance is a specialised type of policy designed to cover your mortgage payments in the event of unforeseen circumstances such as death, critical illness, or job loss. By ensuring that your mortgage is paid off or the payments are covered, this insurance safeguards your home from being repossessed during difficult times. It is crucial because it provides financial security and peace of mind, ensuring that your family can maintain their home and lifestyle even if you are unable to meet your mortgage obligations. Our advisers will help your in the search of finding the right mortgage protection that you need to ensure you’re covered for unexpected circumstances.

Life insurance

Life insurance is a fundamental component of financial planning, providing a crucial safety net for loved ones in the event of someone’s death. Our insurance advisers offer comprehensive advice on navigating the often complex landscape of life insurance, helping you make informed decisions that best suit your personal and financial circumstances.

Life insurance policies come in various forms, each with unique features and benefits. Term life insurance offers coverage for a specified period, making it an affordable choice for those seeking temporary protection. Whole life insurance, on the other hand, provides lifelong coverage along with a savings component, often appealing to those looking for a combination of insurance and investment. Understanding the differences between these options, as well as other variants like universal life and variable life insurance, is critical in selecting the right policy for your needs.

Several factors influence the cost and suitability of life insurance, including age, health, lifestyle, and financial goals. Our advisers will dive into these aspects, providing insights on how to assess your life insurance needs, compare different policies, and identify the most cost-effective options. Additionally, we will discuss the importance of regularly reviewing and updating your coverage to ensure it continues to meet your changing circumstances.

Securing the right life insurance policy can offer peace of mind, knowing that your loved ones will be financially protected and able to maintain their standard of living in your absence. Whether you are just starting to explore life insurance or looking to change your existing coverage, we aim to equip you with the knowledge and confidence to make sound life insurance decisions.

Critical Illness Cover

Critical illness cover is a type of insurance policy designed to provide financial support in the event that you are diagnosed with a serious illness listed in the policy, such as cancer, heart attack, or stroke. It pays out a lump sum that can be used to cover medical expenses, mortgage payments, or any other financial needs during a difficult time. This coverage offers peace of mind by ensuring that you and your loved ones are financially protected, allowing you to focus on recovery without the added stress of financial strain. Our advisers can help you find the right critical illness cover and explain the different policies available to you.

Building and Content Insurance

In today’s world, protecting your home and its contents is more crucial than ever. Building and content insurance provides a safety net against unforeseen events such as natural disasters, theft, and accidents, ensuring that you can recover and rebuild your life from stressful events without financial strain.

Building insurance covers the physical structure of your home, including the walls, roof, floors, and permanent fixtures, against risks like fire, floods, and storm damage. Whilst content insurance safeguards your personal belongings, from furniture and appliances to clothing and electronics, against theft, loss, or damage. Understanding the nuances between these two types of coverage and how they complement each other is vital for comprehensive home protection. That’s where our insurance advisers can help you, assisting you in finding the right insurance protection for your needs.

As you navigate the insurance landscape, factors such as policy exclusions, coverage limits, and premium costs play a critical role. Our insurance advisers discuss these details with you to help breakdown the ins and outs of the policies available providing insights on how to evaluate different policies, what to look for in terms of coverage, and tips for reducing your premiums without compromising on protection. Get in touch with our team today to start finding the right insurance for your home.

advice you can trust

Rated 5 out of 5

Andy at mortgage first was recommended to me, and I couldn’t be more grateful for all of his support and dedication to making sure I got the best deal! He was absolutely amazing throughout the whole process, finding me the best deals he could, and explaining everything I didn’t understand. He helped me at every hurdle I had, and always found me the answers to my questions. He always found time around my day and night shift work to communicate. Will definitely use Andy again and 100% recommend his services!

I can’t praise Holly Sims at Mortgage 1st enough! As first time buyers, she was there for advice whenever we needed her, from outlining the entire house purchase process, right up until our move date! She was easy to get hold of, considerate and hardworking! Thank you!

Shaun Burke at Mortgage 1st made the daunting and complicated task of buying our first home stress free. The knowledge and experience of the team is evident from the beginning and you are immediately put at ease and know you are in good hands with special mention also to Beverly James in processing. They are always available to answer questions quickly and understand how difficult the process is. They check in regularly with you throughout the process and give great advice and reassurances as moves can be a long drawn out process. I would highly recommend anyone to use these guys to take the strain and find you the best lenders out there. Call Shaun.

So happy I chose Mortgage 1st! Was told elsewhere that I was unlikely to get a mortgage but Elliot made it happen! Friendly, professional, and most importantly, had excellent communication. He really put the work in to find the best deal for us and was always happy to help. Hollie processed the mortgage and her service was just as good! I can’t fault anything! :)

My buyers unfortunately lost their mortgage a month before completion which was a nightmare to hear. I put them in touch with Shaun Burke at Mortgage 1st to help get me through this process and save our move! He was outstanding and within two weeks went from talking to the buyers to application submitted, Mortgage valuation booked to offer sent out, in fact it was 13 days! This completely saved my sale and in turn my house move. We are now two weeks in to our new house and loving it. Shaun got a very nice bottle of Whiskey to say thank you.