Lloyd Protect Ltd Financial Services

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.

Could buying a home be more achievable than you think? 🏡You might be surprised at what could be possible with today’s mo...
02/09/2026

Could buying a home be more achievable than you think? 🏡

You might be surprised at what could be possible with today’s mortgage options.

Here’s just one example based on lending currently available:

💷 Income: £40,000
🏦 Potential mortgage: £218,500
🏡 Property price: £230,000
🔑 Deposit: £11,500 (5%)
📅 Mortgage term: 35 years

And perhaps the most surprising part? This could still be with a high street lender offering some of the most competitive mortgage rates available.

Lenders are really doing what they can to support affordability, with some offering enhanced income multiples and options for buyers with smaller deposits.

That £40,000 income doesn’t have to be one person’s salary either. It could be one applicant earning £40,000, or the combined household income of two applicants.

For context, the latest ONS Annual Survey of Hours and Earnings puts median annual earnings for full-time employees at around £39,000. So, if you’ve assumed buying a home is out of reach based on your income or deposit, don’t rule yourself out before finding out what could actually be possible.

Of course, this is just an example. Affordability will depend on your individual circumstances, commitments, credit history, mortgage term, lender criteria and full application.

📩 Want to know what could be achievable for you? Drop me a message and I can take a look.

Source: Office for National Statistics, Annual Survey of Hours and Earnings 2025.



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.

🏡 Mortgage deal ending in 2027? Let’s chat now.Why so early?Because when your current mortgage deal is coming to an end,...
26/08/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:
🔎 Review your current mortgage and circumstances
📊 Look at what's happening across the wider mortgage market
⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance
🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.
I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Send me a message and I'll make sure we're ready when the time comes.



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.

When the Unthinkable Happens, Financial Support MattersNo parent ever wants to imagine hearing the words, "Your child is...
22/07/2026

When the Unthinkable Happens, Financial Support Matters

No parent ever wants to imagine hearing the words, "Your child is seriously ill." 💔

In those moments, the last thing you should be worrying about is money.

👶 Children's Critical Illness Cover can provide a tax-free lump sum if your child is diagnosed with a covered serious illness, helping you:
❤️ Take time away from work to be by their side
🏥 Cover travel and treatment-related expenses
🏡 Pay everyday household bills while life is turned upside down
✨ Focus on what truly matters – your child's recovery

We can't protect our children from everything, but we can help protect our families from the financial impact that serious illness can bring.

Because when your child needs you most, every moment matters. 💙

👉📞 Reply to this post or contact us on 01202 818746 to find out how we can help

🏠 Need to Mortgage 4+ Buy-to-Lets? Read This 👇Many landlords assume that refinancing or purchasing multiple properties m...
25/06/2026

🏠 Need to Mortgage 4+ Buy-to-Lets? Read This 👇

Many landlords assume that refinancing or purchasing multiple properties means multiple mortgage applications, multiple legal processes, and plenty of admin.

In reality, some lenders offer portfolio solutions that can allow multiple properties to be included within a single mortgage application:
✅ Less paperwork
✅ Reduced legal costs
✅ Simpler underwriting
✅ Faster decision making
✅ A dedicated point of contact throughout the process

Every landlord's circumstances are different, but knowing which lenders offer specialist solutions can make a significant difference to both costs and efficiency.

📩 Drop me a message for a chat.



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.

Could Your Family Be Left Unprotected by a Common Insurance Misconception?Many people believe that if they have Terminal...
03/06/2026

Could Your Family Be Left Unprotected by a
Common Insurance Misconception?

Many people believe that if they have Terminal illness Cover, they are also protected for a critical illness diagnosis.

Unfortunately, this isn't the case.
We've recently spoken to clients who were surprised to learn that:
• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.
• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, multiple sclerosis, or other conditions listed in the policy.
• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.

Why this matters

Imagine being diagnosed with a serious illness and facing:
✅ 💷 Loss of income
✅ 🏠 Mortgage or rent payments
✅ 👶Household bills and childcare costs
✅ 🚗🏥Additional medical or travel expenses
Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.
Three questions to ask yourself:

If I couldn't work for 12 months due to a serious illness, how would I pay my bills?

Does my current policy include Critical Illness Cover or only Terminal Illness Cover?

Do I know what my policy actually covers?

Many policyholders haven't reviewed their protection arrangements in years and may not know exactly what they are covered for.

We're offering a complimentary protection review to help you understand your existing cover, identify any gaps, and ensure your family is properly protected.

👉📞Reply to this email or contact us on 01270 381764 or 01202 818746 to arrange your review.

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?Yo...
23/05/2026

💡 Had an interest-only mortgage for years and now the end date is creeping up? Feeling unsure about what happens next?

You’re not alone. Many homeowners are finding themselves in a position where their current lender won’t extend the term, or they’re worried about how the balance will be repaid. 🏡

The good news is there may still be options available. We have lenders on panel that can accept a wide range of repayment strategies, such as savings or pensions, and in some cases don’t require as high a level of equity in the property as lenders once used to.

If your interest-only mortgage is coming to an end and you’re starting to panic, don’t sit with the stress alone, speak to us and let’s look at your options together.



Subject to full mortgage application and product range.

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.

🔥 More niche lending options for Limited Company landlords 🔥Not every buy-to-let mortgage fits the “standard” box — but ...
29/04/2026

🔥 More niche lending options for Limited Company landlords 🔥

Not every buy-to-let mortgage fits the “standard” box — but the good news is, some lenders are catering for more complex setups 👇

Here are 3 more specialist criteria currently available, all with 1 lender!

✨ Minority shareholders accepted
You can have someone hold up to a 20% share in the Limited Company that’s buying the property, without them needing to be on the mortgage or go through credit checks.

💡 For example: you might bring in a friend or family member as a small investor in your company, without them needing to be involved in the mortgage application

🏡 Company buying a director’s current home
Your Limited Company can purchase a property you or any other shareholder currently live in and convert it into a buy-to-let.

💰 Intercompany loans for deposits
Using funds from another company as your deposit can be acceptable — even if that company is owned by a single director/shareholder.

💡 For example: you might have a trading business you’ve run for 20 years (e.g. a building company) where your main income sits. That company could provide the deposit to your property Limited Company, also known as the Special Purpose Vehicle (SPV)
Subject to full mortgage application.

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.

Over 50’s Life CoverThink life cover is only for the young? 🤔 Think again.If you’re over 50, life cover can be one of th...
15/04/2026

Over 50’s Life Cover

Think life cover is only for the young? 🤔 Think again.

If you’re over 50, life cover can be one of the simplest ways to protect the people who matter most ❤️ No complicated medicals, no stress, just peace of mind knowing your loved ones won’t be left with financial worries.

Whether it’s helping with funeral costs ⚘, leaving a small gift 🎁, or covering outstanding bills 💷, it’s all about taking care of what matters… even when you’re no longer here.

It’s not about age, it’s about responsibility, love, and planning ahead ✨

Because looking after your family never goes out of style 💛

👉 Please get in touch to explore your options.

Tel - 01202 818746 / 01270 381764
Email - [email protected]

Address

Bournemouth

Opening Hours

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

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