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Mortgages, Insurance, Income Protection, Commercial Finance
Income Protection is an insurance policy that ensures you are able to meet your financial commitments if you have to take an extended break from your job.
You may have had an accident, fallen sick, anything that is beyond your control is where an income protection policy is designed to pay you an agreed portion of your salary each month.
Income protection is a market that is rapidly expanding, a Shoreline mortgage adviser will be able to guide you.
If you work in a dangerous industry where there is a higher chance of accidental injuries such as construction, manufacturing and engineering then it is worth considering having some income protection in place should the worst happen.
Sectors with high redundancy rates are also worth considering, income protection can help support you for a short period (up to 2 years) if you are made redundant.
There are three main types of income protection:
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Most income protection is a short term policy, they will pay out for a set period of time which is usually up to 2 years. This should enable you to get back on your feet and return to work.
Long-term income protection is available and provides regular income for a longer period of time which is normally pre-agreed even covering you until your retirement age. These policies generally don't cover you if you are made redundant.
Making sure you get the right Income Protection policy to suit your situation can be difficult, you can end up paying for elements that will not benefit you and miss out on options that would really work for your personal requirements.
Our advisers have the experience and access to the full market to be able to discuss your situation and then find you the best policy that suits you.
With access to the whole market we are the perfect solution for your mortgage requirements. Find out how we can help you by clicking on the services below.
Supporting first time buyers through the mortage minefield to get them on the housing ladder with the best mortgage deal.
With years of experience in the financial industry we are perfectly placed to provide you with the best advice for a remortgage.
If you are thinking about buying a property to rent out to tenants then you need a Buy to Let Mortgage.
We are able to help you through the process of finding the right lender and providing the right information to get you a Military Mortgage.
The Right to Buy Scheme is a government initiative that helps social tenants in England to buy their home at a discounted rate.
We offer a free consultation so you can find out how we can help you.
We are authorised and regulated by the Financial Conduct Authority.
You will talk to the same advisor every time for a consistent and personal service.
With access to the whole market we are the perfect solution for your insurance, protection and finance requirements. Find out how we can help you by clicking on the services below.
Life Insurance provides some financial protection and peace of mind if the unexpected happens.
Income Protection is an insurance policy that ensures you are able to meet your financial commitments.
Critical Illness Cover is an insurance which pays out a lump sum (tax free) if you are diagnosed with a serious medical condition.
Commercial Finance covers a wide range of business financial products that include both short and long term solutions.
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If you’re an existing or new customer, you can reach me via phone at 01202 149 426 or email at this address james@themortgageexploer.co.uk
I look forward to assisting you!
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