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Protection

In addition to providing mortgage advice, we also offer advice on general insurance products. For example, we may be able to help you if you are looking to protect your monthly mortgage payments or if you want to insure the contents of your home.

Our advice and recommendation service extends to the following general insurance products*:

  • Mortgage Payment Protection Insurance
  • Buildings Insurance
  • Contents Insurance

Mortgage Payment Protection Insurance

Mortgage Payment Protection Insurance protects your mortgage repayments in the event that you are not able to work due to accident, sickness or unemployment.

We can arrange this type of insurance for you and explain what it does and how it works.

Buildings Insurance

When you take out a mortgage, the lender will require that you have adequate buildings insurance, which insures the property against damage.If you are buying a freehold property then it is your responsibility to organise this cover yourself. If you are buying a leasehold property (most flats tend to be leasehold) then it is the freeholder's responsibility to arrange it, so make sure that this has been done.

We can arrange this type of insurance for you and explain what it does and how it works.

Contents Insurance

Contents insurance is often sold alongside buildings insurance. Lenders do not require borrowers to take out contents insurance, however, it is highly recommended that you do.

We can arrange this type of insurance for you and explain what it does and how it works.

Pure Protection Products

We also offer advice on pure protection products. For example, we may be able to help you if you want to arrange life insurance or critical illness cover.

Our advice and recommendation service extends to the following pure protection products:

  • Term Assurance
  • Income Protection
  • Critical Illness Cover
  • Private Medical Insurance**

Our charges are usually 1% of the loan. i.e. £1000 on £100,000 mortgage. The overall cost for comparison is 7.5% APR. The actual rate will depend on your circumstances. Ask for a personalised illustration.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Smart Credit + is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK