Personal Protection


Personal Protection

Your mortgage is likely to be one of the biggest commitments you will make and we would strongly recommend that you consider fully protecting your mortgage against death, critical illness or loss of income through accident, sickness or unemployment where your budget permits.

Protection does not need to cost a fortune and it can give you great peace of mind and financial stability to help you and your family cope should disaster strike.

There are many types of cover available on the market today and some we have listed below. We would, however, always recommend that you speak with a qualified expert advisor, who will be able to assess your individual situation, and advise on the right type of protection products tailored to your particular circumstances.

We work closely with the industry experts and highly recommend speaking to them and listening what they have to say. With your approval, we simply refer you to them and they will look after your protection needs.

They will also explain the benefits of placing policies in trust to ensure that the full benefit upon death would reach your dependants quickly and go to those you want it to go to, without unnecessary delays or by tax or debts having to be paid out of the money that you want your dependants to receive.

For a personalised quote on any of the covers listed below, please contact NEST and we will pair you with the great expert!

We are not authorised to advise on Protection related products but we can refer you to a specialist who can assist you in this area.

 
Life assurance

Life assurance gives you the comfort of knowing that your loved ones will be provided for should you die. There are many ways to arrange life cover and we can help advise you on the most suitable policy available.

When a life assurance policy is linked to a mortgage it ensures that in the event of death your mortgage will be repaid. This means that your dependants will be left with a mortgage-free roof over their heads. There are two main types of life assurance linked to a mortgage - level term and decreasing term.

Level term assurance provides a set level of cover for the term you choose. Decreasing term assurance covers you for the term you choose, but the level of cover decreases through the term of this policy, usually to coincide with the reducing debt on your mortgage. Decreasing term assurance is normally cheaper per month.

Critical illness cover

A critical illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often 'bolted on' to a life assurance policy as an additional benefit but can also be a standalone plan.

This type of plan is designed for individuals or families, who want a lump sum if they are diagnosed with a serious/critical illness. As an example of where this lump sum could be used is to repay a mortgage, or perhaps help you through a period where you might not be able to work. The lump sum could even be used to pay for any necessary alterations to your home, if you were less mobile than before.

The quality of cover and the illnesses covered can vary significantly between different providers. A critical illness policy can provide other valuable cover such as children's critical illness cover.

Income protection

This type of policy offers borrowers the security of knowing that their essential repayments will be made if they are off work due to an accident or sickness.

For example, if you had an accident and are unable to work for a while, without income protection cover you might have to depend solely on state benefits, which are unlikely to be sufficient to meet your mortgage repayments, let alone helping with any other living costs you may have. Income protection can help as it provides a tax-free monthly payment until you are able to return to work.

As with all insurance policies, conditions and exclusions will apply

  • Hi, 100% recommended. Ania was very helpful from the beginning to the completion. She explained everything clearly, great service, super person Thank you so much Ania!
    Arkadiusz Goral
    Poole
  • Thank you Ania again for your amazing service. You handled my re-mortgage previously and I had no doubts with returning to you for our house move this year. You filled us with confidence from the first step, even offering your advise on properties we were considering, before we had made a final decision. You shared in our excitement when we had our offer accepted and were with us through the entire process of the purchase. We had complete confidence in you finding the best deal for our mortgage and I would happily recommend your services to any of my family and friends looking to move in the future. Thank you for everything.
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    Poole
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    Bournemouth
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    Bournemouth
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    Bournemouth
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    Manchester
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    Bournemouth
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    Bournemouth
  • Profesjonalne podejście do klienta, najpierw dokładna analiza naszych oczekiwań by później indywidualnie dobrać usługę i ofertę pod nasze potrzeby. Bardzo dokładnie i prostym językiem wytłumaczone warunki umowy, dzięki szybkiej reakcji i działaniu Ani dostaliśmy bardzo dobrą ofertę która była dostępna na rynku, Ania zmobilizowała nas do szybkiego kompletowania dokumentów i dzięki niej mając wszystko pod kontrolą ta oferta była dla nas dostępna. Z czystym sumieniem polecam Anię bo jest najlepsza w swoim fachu. Jej profesjonalizm i podejście do klienta jest widoczne już na pierwszym spotkaniu.
    Ewelina and Kamil Maszewski
    Poole
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    Bournemouth
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    Bournemouth
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    Poole
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Disclaimer

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

NEST Mortgage and Financial Solutions fees are payable on application. Our typical broker fee is £495, however this may be subject to a change, dependent on your status and circumstances.