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Lloyd Protect Ltd Financial Services

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Lloyd Protect Ltd Financial Services

Mortgage & Insurance Brokerage Registered Office : C/O N R Sharland & Co Oxford Point, 19 Oxford Road, Bournemouth, Dorset, England, BH8 8GS.

Lloyd Protect Ltd is an Appointed Representative of The Right Mortgage Ltd, which is authorised and regulated by the Financial Conduct Authority. Registered company No. 08770311

Your Home (or property) may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it. A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

28/10/2026

🏡 Own more than one limited company for your buy-to-let properties?

Good news for landlords! 🎉

One of the UK's largest buy-to-let lenders has just relaxed its criteria, making it easier for landlords who own properties through multiple limited companies to access mortgage finance.

Previously, directors and shareholders could be restricted to having just one limited company with this lender.
That's now changed! 🙌

✅ Landlords can now have mortgages across multiple limited companies (SPVs) with the same lender.
✅ More flexibility for landlords looking to expand or restructure their portfolios.
✅ Greater options for those investing alongside different business partners.

This is a welcome change for portfolio landlords who want more flexibility in how they manage their property investments, whilst still achieving competitive interest rates.

📩 Have properties across multiple limited companies? Get in touch to see what mortgage options could be available to you!

Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.

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.

21/10/2026

🏡 Worried Your Credit Score Could Hold You Back From Getting a Mortgage?

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! Drop me a message 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

14/10/2026

🏡 A mortgage with NO monthly repayments? Yes, it's possible!

For high-net-worth individuals with significant assets or complex income, traditional mortgages aren't always the best fit.

A new specialist mortgage product has launched, offering borrowing of £1 million to £12.5 million, without the need to make regular monthly mortgage repayments.

💰 How does it work?
Rather than making monthly payments, the interest is added to the outstanding mortgage balance. The original loan and accumulated interest are then repaid at the end of the mortgage term.

Who could qualify?
✔️ Net annual income of at least £300,000 OR
✔️ Net assets of at least £3 million

Why might this be useful?
It could allow you to release funds without having to sell investments or other long-term assets, whether that's for property investment, business purposes or wider financial planning.

Available for both residential and Buy-to-Let properties in England and Wales.

⚠️ Interest accumulates over the term, increasing the amount owed. A suitable repayment strategy is essential, and lending is subject to eligibility and affordability assessments.

📩 Have significant assets but looking for a more flexible mortgage solution? Get in touch to explore your options.

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.

14/10/2026

“I don’t need insurance…” - Until you do.

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.

📩 Send me a message for a friendly 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

08/10/2026

🏡 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? Drop me a message 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.

30/09/2026

🏠 When Life Changes, Your Mortgage Options Can Too

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.

23/09/2026

Could you cope if illness or injury stopped your income? 💷

Illness and injury can happen when you least expect them — and your bills won’t stop if your income does.

This short-term income protection plan is designed to provide quick, straightforward financial support when you need it most.

✅ Up to £2,250 per month if you're unable to work
✅ No medical underwriting
✅ No long wait for a pay out
✅ Lump sum payment for covered fractures 🦴
✅ Simple, accessible protection for life’s unexpected moments

You don’t have to suffer a serious illness for your finances to be affected. A broken bone, an accident or a temporary illness could mean time away from work and a loss of income.

This cover is designed to provide quick financial support when you need it most, helping you focus on your recovery rather than worrying about your bills.

Your income is one of your most valuable assets – is it protected?

👉 Get in touch today to find out how this simple protection could help safeguard your finances.

16/09/2026

🏡 Could you buy a home with £0 deposit?

Saving a deposit is often one of the biggest barriers to buying a home — but there are more options out there than you might realise.

I’ve just started working with a mortgage lender offering 100% mortgages, meaning eligible buyers could purchase a home with no deposit at all. 🔑

And it’s not just for first-time buyers. Their mortgages are available for:
🏠 First-time buyers struggling to build a deposit
🔑 Home movers who may not have enough equity in their current property
👩‍🏫 Key workers, with enhanced affordability options available
🏗️ New-build properties, including some new-build flats

There are eligibility and affordability criteria to meet, so a 100% mortgage won’t be suitable or available for everyone. But if the deposit is the thing stopping you from buying or moving home, it could be worth finding out what your options actually are.

📩 Drop me a message if you’d like me to take a look at your circumstances.

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.

09/09/2026

🏡 A new way to remortgage has just launched…

If your fixed rate is coming to an end, there’s now another reason to review your options rather than automatically staying with your current lender.

🚀 One of the market leading lenders has become the first to launch a Fast-Track Remortgage service, designed to make switching lenders much quicker for eligible customers, completing in as little as 5 days.

Traditionally, moving your mortgage to a new lender can take several weeks from application through to completion, which can sometimes make staying with your existing lender feel like the easier option.

🔑 If your mortgage deal is ending soon, even if I’ve never helped you before, get in touch. I can review your current lender’s options alongside what else is available across the market. 🔍

Fast-Track Remortgages are only available on eligible cases and are subject to lending criteria, affordability and other checks. Timescales are not guaranteed.

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.

09/09/2026

🚨 Terminal Illness Cover vs Critical Illness Cover

🤔 They sound similar… but they’re NOT the same!

One of the biggest misconceptions about personal protection is that terminal illness cover and critical illness cover are basically the same thing.

❌ MYTH: “If I have terminal illness cover, I don't need critical illness cover.”
👉 FACT: They protect you against very different situations.

❤️ TERMINAL ILLNESS COVER
Usually included as part of a life insurance policy.
It can allow your life insurance benefit to be paid early if you're diagnosed with a terminal illness that meets the policy definition, typically where you're expected to die within 12 months. Think of it as accessing your life cover early.

🩺 CRITICAL ILLNESS COVER
Can pay a lump sum if you're diagnosed with a specific critical illness covered by your policy, such as certain cancers, heart attacks or strokes. The important point? You don't necessarily need to be terminally ill. You could receive a critical illness pay out and go on to recover or live for many years.

💡 MYTH: “Cancer means I'll automatically receive a critical illness pay out.”
❌ Not necessarily.
Critical illness policies have specific definitions, and the type or severity of cancer covered can vary between insurers. Always check the policy wording.

💡 MYTH: “Terminal illness cover gives me extra money on top of my life insurance.”
❌ Usually not.
It is generally an early payment of the life insurance benefit, so once paid, the life cover normally ends.

🛡️ THE BOTTOM LINE

Terminal Illness Cover = Protection if you're diagnosed with a terminal condition.
Critical Illness Cover = Protection if you're diagnosed with a specified serious condition covered by the policy.

They can work alongside each other because they protect against different financial risks.

📞 Not sure what your current protection actually covers?
A protection review could help identify any gaps before you need to make a claim.

Definitions, conditions, exclusions and claim requirements vary between providers. Critical illness cover only pays where the policy definition is met. Always check the relevant policy terms and conditions.

Address

Bournemouth

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 1am

Website

http://www.lloyd-protect.co.uk/

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