Protecting what is important to you

More than just getting you a great mortgage deal

At Upton Financial Advice, my goal isn’t just to help you find a competitive mortgage — it’s to make sure that, no matter what life throws at you, you can stay in your home.

There are a range of protection policies designed to support you and your family in the event of the unexpected. While the only mandatory insurance required by your mortgage lender is Buildings Insurance, it’s worth considering what else you may want to have in place for peace of mind.

Home Insurance

It’s a condition of every mortgage that Buildings Insurance is in place by exchange of contracts — this protects the structure of your home against risks such as fire, flood or storm damage.

But what about everything inside your home? Contents Insurance can help protect the things you’ve worked hard for — and replacing everything after a fire, theft or flood could cost far more than you’d expect.

Income Protection

If you were unwell or had an accident that meant you couldn’t work, how long would your employer continue to pay you? After that, the current Statutory Sick Pay is just £109.40 per week.

Income protection can offer a regular income to help cover your bills and mortgage payments — for a year, several years, or even until retirement. I can help you explore options that are tailored to your budget and needs.

Critical Illness Cover

If you were diagnosed with a serious illness like cancer, had a heart attack or stroke, or became disabled, could you keep up with your financial commitments? Would your home need adapting?

Critical illness cover provides a lump sum payment if you’re diagnosed with a specified serious condition, helping you focus on recovery rather than financial stress.

Life Insurance

If the worst were to happen, what would you want to happen to your home? Would you want your family to inherit it — without the burden of a mortgage?

Life insurance ensures that, in the event of your death, your loved ones could keep the home you’ve built together.

If you’re unsure what type of protection might suit your situation, you can use Percy the Protection Calculator — a helpful tool designed to give UK residents a quick estimate of what support they might be entitled to if they’re unable to work due to illness or injury.