Income Protection

What would your situation be like if your ability to carry out your job or earn money was taken away from you? Income protection pays out an income if you are unable to work due to an illness or injury. You can choose the level of cover but depending on the provider this may be limited to a percentage of your gross salary or a maximum monthly payment. You can choose when the cover starts to be paid. This is known as a deferred period and can be 4, 8, 13, 26 or 52 weeks. The benefit is normally paid until the policy ends, a specified retirement age, until you die or until you return to work, whichever is sooner. These policies have no cash in value at any time and require underwriting prior to being agreed. Everyday Mortgages Ltd works from a panel of providers. A list is available on request.

Market Options
Your adviser will give whole of market advice for first charge mortgages, but not deals that you can only obtain by going direct to a Lender. Everyday Mortgages Ltd is an Appointed Representative of Mortgage Support Network Ltd which is authorised and regulated by the Financial Conduct Authority. This means the adviser is accountable for the recommendations and advice given.

Hassle Free
All the paperwork will be dealt with for you. Your adviser will submit all relevant applications/supporting paperwork, liaise with your existing lender, surveyor and solicitor.

No Obligation
The adviser that you speak to will be friendly and approachable, whose main aim is to ensure you are catered for correctly. If after the meeting you are not convinced the recommendation is right for you, there will be no obligation to proceed and no cost will be incurred.