Critical Illness Cover
- Access to competitive rates and some you can't get direct
- You will not be pushed from one adviser to another
- Quality, professional mortgage advice that you can trust
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Mortgages For Professionals with complex incomes through the main high street lenders
High street lenders typically provide more appealing rates, making them the preferred choice for many professionals seeking mortgage solutions. However, navigating the complexities of professional incomes can present challenges in securing loans from these lenders.
Professionals often assume they must seek alternative lenders due to the intricacies of their income streams. Yet, armed with a deep understanding of various payment structures, we confidently facilitate successful mortgage applications with high street lenders.
In fact, a substantial 93.4% of our mortgage applications are seamlessly processed through reputable high street lenders, showcasing our expertise in navigating complex income scenarios.
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Critical Illness Cover
What is it?
- A Critical Illness plan is designed to pay out a tax-free lump sum on the diagnosis of certain specified illnesses. It is often combined with a life assurance policy as an additional benefit, but can also be a standalone plan.
- The policy may not cover all definitions of a critical illness. Each critical illness that is covered will be noted in the key features. For definitions of illnesses covered, please refer to the Key Features and Policy Documents that are issued to you.
- Illnesses covered are usually long-term and serious.
- Can be used to pay off mortgage, medical care or living expenses.
- Requires full medical underwriting.
- Not as extensive as income protection
Who is it for?
- This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.
The quality of cover and the illnesses covered can vary significantly between different providers.
