Protection
Get advice on Mortgage Protection, Business Protection and Home Insurance
Whether it’s protecting your family, your business, your home and/or its contents, finding the right insurance can be confusing. We’re on hand to offer help and guidance to make sure all of your needs are fully covered should the worst happen.
Mortgage Protection
Far from being a luxury, protection Insurance should be considered essential, especially if you have a family or people that rely on your income. If you suffered a serious illness or injury, you may lose your income. This could lead to you losing your home. Similarly, if you died, your loved ones may be unable to maintain their current lifestyle without your income.
With the right level of life and protection insurance, you may be able to:
- Pay off your mortgage.
- Maintain your or your family’s lifestyle.
- Pay for replacement childcare.
- Cover school or university fees.
- Pay for specialist nursing support.
You may already have life and protection insurance in place, but it’s still worthwhile to review your current cover levels. Personal circumstances can change regularly so it’s important to ensure your level of cover is appropriate.
Business Protection
It’s important to prepare for the unexpected, especially if you’re a business owner. As a team of experienced property and mortgage advisors, we ensure that you have the right level of business protection. From key person insurance to partnership protection, we provide an expansive array of options that are sure to suit your needs, as ultimately, we’re here to help you save money! Call our team to arrange a consultation, or read on for more details about each insurance option.
Home Insurance
Your home is more than just bricks and mortar. It’s the result of years of hard work; it’s a place where memories are created, and a home for valued and treasured possessions. You’ll gain real peace of mind with the right insurance policy. At CS Mortgage Solutions, we specialise in securing a home and contents insurance policy that’s tailored to your needs.
Our team aim to provide a comprehensive policy at a price that doesn’t break the bank. We’re always happy to discuss your needs in a consultation at your property, or at our offices throughout Yorkshire & Teesside.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some Buy to Let mortgages and some Bridging Finance is not regulated by the Financial Conduct Authority.A Lifetime Mortgage is not suitable for everyone and may affect your entitlement to means tested benefits, so it is important to seek financial advice before taking any action. If you are considering releasing equity from your home, you should consider all options available before equity release.
The interest that may be accrued over the long term with a Lifetime Mortgage, may mean it is not the cheapest solution. As interest is charged on both the original loan and the interest that has been added, the amount you owe will increase over time, reducing the equity left in your home and the value of any inheritance, potentially to nothing.
Although the final decision is yours, you are encouraged to discuss your plans with your family and beneficiaries, as a Lifetime Mortgage could have an impact on any potential inheritance. We would also encourage you to invite them to join any meetings with your Financial Adviser so they can ask questions and join in the decision, as we believe it is better to discuss your decision with them before you go ahead.
We have Advisers based across the UK so get in touch today to arrange your appointment and see how we may be able to help you – we offer virtual and telephone appointments at a time to suit you.