Sadly, most Mortgage Advisors undervalue the importance of protection advice, or simply don't have the knowledge to confidently advise their mortgage clients. Of the ones that do, most fall back on stock recommendations they peddle to every client.
Cotswold Mortgage & Protection are different. We began our financial services journey as Protection Specialists, and appreciate the importance of providing a bespoke protection recommendation based on each client's very different priorities.
This gives you absolute peace of mind that you are in the hands of experts who value your standalone protection needs every bit as highly as your mortgage.
It's essential for people to regularly asses their protection arrangements, and moving home is a significant trigger. Changing or increasing your borrowing will also place larger importance on the ability to clear debt on death and/or survive financially over the longer term.
We make time to learn about your circumstances and arrange protection-specific meetings.
The protection insurance industry is notoriously complex, with a myriad of providers, products and variations to the types of cover available.
Fortunately, Cotswold Mortgage & Protection are expert protection advisors, and will learn about, and assess your circumstances to provide a personalised protection recommendation to suit every budget.
Simply put, a life insurance policy provides a lump sum payment on death of a policyholder.
For mortgages, this is normally used to protect you mortgage debt, allowing the survivors to live in the property mortgage-free.
Critical illness policies cover the policyholders, paying a lump sum on diagnosis of a serious illness.
This is your personal 'cancer cover' and gives you the finances to seek world class private medical treatment quickly.
This incredible product ensures you continue to receive a replacement monthly salary should you be unable to work through accident or illness.
This can be designed around your sick pay entitlement and can cover you until you're due to retire!
This vital policy for any parents provides a replacement salary to surviving parents/guardians if there is a death. This is to be used to provide a fund to continue your children's quality of lifestyle.
We are experts in providing protection advice to business owners, too.
These products can be used to protect important employees and businesses alike. Company owners can even use this to offset tax!
We're huge advocates of placing any applicable protection policy in trust.
Here's why...
Please click below to book a free initial 30-minute appointment. You'll like what you hear just as much!
Please click below to book a free initial 30-minute appointment. You'll like what you hear just as much!
Cotswold Mortgage and Protection
9 Blackwell Drive
Banbury OX169PF
hello@cotswold-mortgages.co.uk
https://www.cotswold-mortgages.co.uk
Telephone: 01865 570315 / 07581 383188
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT
© Cotswold Mortgage & Protection is a trading style of EMS Mortgages and Protection Ltd, an Appointed Representative of PRIMIS Mortgage Network which is a trading name of First Complete Financial Services Limited. First Complete Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Trading address - 27 Willow Avenue, Liverpool, Merseyside, L32 0RX.
Our typical fee for arranging a residential mortgage is £399, but may be as high as £999 for complex cases.