Abacus Mortgage & Protection Advice

02/11/2026

Have you been told you can’t get cover because of a medical condition? Or are you putting off applying because you assume you’ll be declined?

Don’t rule yourself out before you’ve explored your options!
- A pre-existing medical condition doesn’t automatically mean you can’t get life insurance or income protection.
- Some insurers may offer cover where others won’t.
- The right adviser can help you explore different insurers and find out what options may be available to you.

Every situation is different, and the terms of cover will depend on your individual circumstances.

The important thing is not to assume the answer is no before you’ve asked!
❌ Don’t assume.
❌ Don’t give up.
✅ Explore your options.

Get in touch today. You may have more options than you think!

30/10/2026

23/10/2026

It’s easy to say, “I don’t need insurance. I’m healthy, I’m fine, and it won’t happen to me.”
And hopefully, it won’t.
But what if life had other plans?

🏡 Your mortgage still needs paying.
💷 Your bills don’t stop.
👨‍👩‍👧 Your family still needs supporting.
💰 And your savings? They could disappear quicker than you think.

Here’s the reality: £5.15 BILLION was paid out in individual life insurance, critical illness and income protection claims in the UK during 2025.

97.9% of individual protection claims were paid in 2025.
That’s financial support reaching people when life didn’t go to plan.

So, here’s one question worth asking yourself:
If your income disappeared tomorrow, how long could you and your family manage financially?
A week? A month? Six months?

If you’re not sure, isn’t it worth finding out before you need the answer?
You don’t need to have all the answers today. You just need to take the first step.

Get in touch for a chat about your options. Let’s see what you already have in place, identify any gaps and explore what you could do to protect your financial future.
Because the best time to think about protection is while you still have the choice.

22/10/2026

Whether you're buying your first home, moving house or remortgaging, your credit score can sometimes make getting a mortgage more difficult.

💳 Here are a few ways you could improve your credit score:
✅ Register on the electoral roll.
✅ Pay bills and credit repayments on time.
✅ Keep credit card balances low.
✅ Avoid making multiple credit applications in a short period.
✅ Check your credit report for any errors.

But what if your credit score still isn't quite high enough?
There's some good news!

I have access to a lender offering a specialist mortgage range called Reach, designed to help customers whose credit scores don't quite meet the lender's standard mortgage requirements.

Reach offers eligible customers a wider range of mortgage options at competitive rates, helping those whose credit scores may prevent them from qualifying for standard mortgage products.

Whether you're a first-time buyer, moving home or looking to remortgage, there could be more options available than you think!

Don't rule yourself out! Get in touch and let's explore what's possible.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

19/10/2026

Could a 2.5% deposit be enough to buy your first home?

The Government has announced plans for Your First Home: a new scheme designed to help first-time buyers purchase a new build from participating developers.

The proposed scheme could mean:
🔑 Just a 2.5% deposit
🏠 20% government-backed equity loan
💷 A mortgage for the remaining amount

So, on a £300,000 new build, your own deposit could be just £7,500.

The equity loan is expected to be interest-free for the first year, although it will need to be repaid and factored into affordability.

📅 The scheme is currently expected to launch on 28th October 2026, with full details due at the Autumn Budget.

And that’s what makes this exciting; for first-time buyers struggling to build a bigger deposit, this could provide another route onto the property ladder. 🔑

There are other options too, including 95%–100% mortgages, family assisted products and developer incentives, so don’t assume buying is out of reach just because you have a smaller deposit.

Thinking about buying your first home? Get in touch and let’s look at what could be possible.

Full scheme details and eligibility are still to be confirmed.

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

16/10/2026

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:
🩺 24/7 GP appointments
🏥 Hospital benefit – a payment if you’re admitted to hospital
🦴 Fracture cover – a lump-sum payment for certain fractures
🧠 Mental health support
💪 Health & wellbeing services
👨‍⚕️ Second medical opinions
💻 Remote medical consultations
👨‍👩‍👧 Support for your family
🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

14/10/2026

Going through a divorce or separation can bring a lot of uncertainty, particularly when it comes to your home and mortgage.

You might be wondering:
• Can I afford to stay in my home?
• Can I take the mortgage on by myself?
• Could a family member help me with affordability?
• What could I afford if I need to buy somewhere new?

Even if the numbers don’t seem to work at first, there may be options available.

As a whole-of-market mortgage broker, I can look across different lenders to find the right solution for your circumstances, including:
• Lenders that allow family members to boost your affordability with their income
• Lenders offering stronger income multiples, which could increase how much you’re able to borrow
• More flexible approaches to different types of income
• Interest-only or part-and-part options where appropriate
• Competitive mortgage rates from across the market

Every situation is different. Before assuming you’ll need to sell your home or that a mortgage won’t be affordable on one income, it’s worth finding out what could be possible.

If you’re going through a separation and want to understand your mortgage options, get in touch for a confidential chat.



Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. There may be a fee for mortgage advice, the exact amount will be based on your circumstances.

12/10/2026

You might be paying for protection every month… but are you actually making the most of everything your policy could offer?

Your insurance may include more than just a pay out if you claim. Depending on your policy, you could have access to benefits such as:
🩺 24/7 GP appointments
🏥 Hospital benefit – a payment if you’re admitted to hospital
🦴 Fracture cover – a lump-sum payment for certain fractures
🧠 Mental health support
💪 Health & wellbeing services
👨‍⚕️ Second medical opinions
💻 Remote medical consultations
👨‍👩‍👧 Support for your family
🎁 Lifestyle and wellness benefits

And the best part? You may already have access to some of these benefits.

📋 When was the last time you checked your policy?

I can help you understand exactly what you're entitled to and make sure you're not overlooking valuable benefits that could already be available to you.

👉 Get in touch today and let’s check what benefits your insurance could provide – you might be surprised by what’s included.

09/10/2026

Long-term income protection, otherwise known as long term sickness insurance, is designed to replace your gross monthly income right up until retirement age should you be unable to work due to illness or injury.

Can we help you? Call today on 0151 647 2266