Thinking about the "WHAT IFS!"
It's normal to get excited and dream about our hopes and ambitions for ourselves and our loved ones, but it's just as important to consider the "What Ifs"
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Unfortunately, most of us can think of at least one person in our lives - family member, friend or colleague, where something bad and unexpected has happened, a serious accident, illness or even death.
We can't stop these things from happening, but by considering these "What Ifs", we can help you understand your options and put a plan in place to ensure that you and your loved ones are financially secure should the worst occur.
Protecting against death
If you have a spouse and / or children that are financially dependant upon you, it's so important to consider how they would cope financially without you.
There are a number of options we can discuss with you, which would pay a lump sum or regular income for your dependants if the worst were to happen, helping to keep their heads above water.
Protecting our income
For how long would you receive an income if you couldn't work due to medical reasons? What would the impact be on you and your family?
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We can review your options to help protect your income and your family's quality of life should you be unable to work for an extended period of time.
Giving you choices if you had a serious illness
Unfortunately, so many of us may suffer a critical illness such as cancer at some stage in our lives, severely affecting both our physical and financial wellbeing.
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We can discuss your options to guard against the financial impact of a critical illness and help you put a plan in place.
Protecting your home & possessions is essential.
Your mortgage lender will insist on Buildings Insurance being in place. Whilst contents cover isn't mandatory, it's sensible to insure your possessions.
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There are many factors to consider to ensure you get the right cover for your requirements, so let us help guide you.
After you've gone
We work with trusted partners who specialise in other areas of protection including Wills, Lasting Powers of Attorney, and Trusts.
This service is offered by referral to a third party
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The Financial Conduct Authority do not regulate wills, last powers of attorney and trusts.
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What you need to know
There may be a fee for arranging a mortgage, typically £199 for Residential and Buy-to-Let remortgage applications, £375 for residential and buy-to-let purchase applications and £499 for applications with specialist lenders due to adverse credit. Fees are payable upon receipt of your Mortgage Offer from the chosen lender.
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Your home may be repossessed if you do not keep up repayments on your mortgage.
The Financial Conduct Authority does not regulate some forms of buy-to-let mortgages.
The guidance and/or advice contained within this website is subject to the UK Regulatory Regime and is therefore targeted at consumers in the UK.
MHC Mortgage & Protection Ltd is an appointed representative of HL Partnership Ltd, which is authorised and regulated by the Financial Conduct Authority. HL Partnership Ltd is entered on the FCA register under reference 303397
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MHC Mortgage & Protection Ltd is registered in England and Wales - 12067840 – Registered address – 13 Aurum Close, Whitstable, Kent. CT5 3FN