We’re here not only to help you buy your dream home, but to make sure you can keep it, no matter what happens.
As you have taken a mortgage with an initial fixed rate of 5 years or more, it’s a while until your next mortgage review needs to take place.
Many of our customers find that their circumstances change within the first year of a new mortgage, so we offer a Protection Review mid way through your fixed term to ensure you’re always suitably covered.
The Protection Review is a 30-minute telephone call with a Protection Adviser from our Customer Care Team. During this call, we will update your records and take stock of any changes that may have occurred since we last checked in.
At the end of the call, your specialist Protection Adviser will assess the information you have discussed, and make a recommendation to cover any shortfalls that have been identified. If there are no shortfalls, then your Adviser will be able to give you peace of mind that you are adequately covered.
Changes in employer, employee benefits, or salary can often leave customers paying for plans that no longer provide the required level of cover. Our free protection review identifies these issues and ensures we find a suitable plan that covers your current needs.
Changes in family circumstances can also mean that new plans may be relevant to you now, for example, Family Income Benefit can provide a monthly income to your family should you pass, at an affordable cost.
Please watch this short video which gives a brief explanation of the types of cover that will be considered during your appointment and what you should do to prepare.