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02/11/2026

So happy for A&J getting the keys to their lovely new build property!!
They had to be patient whilst the build was completed and break the chain in the meantime, but finally got there!!
Congratulations guys and hope you love your new home!! 🏡🥳

31/10/2026

We asked keith to help
us with the first steps of
buying our first home,
he was super helpful,
quick responding &
went above and beyond
for us! 100%
recommend!!

30/10/2026

It's Friday!!!!

Half a week for me after coming back from Tenerife on Tuesday, but a busy week already lined up for next week!!

What are your plans for this weekend?

me:
Out tonight with the wife's work lot!
Mums car MOT tomorrow - that's a me job apparently! 🤣🤣
Then off to see someone who is turning 40!! (That seems a long time ago for me!)

Have a great weekend all, whatever you are up to!!

29/10/2026

🚨 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.

A protection review could help identify any gaps before you need to make a claim.

https://www.kadmortgages.co.uk
Call/WhatsApp: 0116 3662990 or 07496 672191
Email: [email protected]

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.

28/10/2026

🏡 Your local LE67 mortgage adviser — here to make things simple.

Whether you’re buying your first home, moving up the ladder, or looking to protect your family’s future, KAD Mortgages is right here in the heart of LE67 offering straight talking advice without the jargon.

From mortgages to protection and everything in between, you’ll always get friendly guidance, clear options, and support you can trust.
💬 Send us a message today — your next step starts with a conversation.

Book online by clicking this link https://calendly.com/kadmortgages/bookonline
Book an appointment on our website: https://www.kadmortgages.co.uk
Call/WhatsApp: 01530 83 80 80 or 07496 672191
Email: [email protected]

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

KAD Mortgages Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no: 13472148. Registered address: 12 Boot Lane, Hugglescote, Coalville, Leicestershire, England, LE67 2PT.

27/10/2026

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.
Book online by clicking this link https://calendly.com/kadmortgages/bookonline
Book an appointment on our website: https://www.kadmortgages.co.uk
Call/WhatsApp: 0116 3662990 or 07496 672191
Email: [email protected]

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

KAD Mortgages Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no: 13472148. Registered address: 12 Boot Lane, Hugglescote, Coalville, Leicestershire, England, LE67 2PT.

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

24/10/2026

Thank you for such a great review!!

16/10/2026

☀️ Holiday Mode Activated! ✈️🏖️

Just a quick heads-up that KAD Mortgages will be out of the office from 16th October and will return on 28th October while we enjoy a family holiday in the sunshine! 🌴😎

Needless to say KAD Dog and Protection Puppy will not be joining us and the disappointment is real, negotiations for extra treats are already underway.

We'll respond to all messages as soon as possible when we return and be keeping an eye on emails for urgent enquiries in the meantime. Until then, have a fantastic end to the summer!

🏡💙 The KAD Mortgages Team

☀️🐶✈️🏖️

15/10/2026

🎒 Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

Book online by clicking this link https://calendly.com/kadmortgages/bookonline
Book an appointment on our website: https://www.kadmortgages.co.uk
Call/WhatsApp: 0116 3662990 or 07496 672191
Email: [email protected]

KAD Mortgages Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no: 13472148. Registered address: 12 Boot Lane, Hugglescote, Coalville, Leicestershire, England, LE67 2PT.

14/10/2026

🏡 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.

Book online by clicking this link https://calendly.com/kadmortgages/bookonline
Book an appointment on our website: https://www.kadmortgages.co.uk
Call/WhatsApp: 01530 83 80 80 or 07496 672191
Email: [email protected]

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

KAD Mortgages Limited is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales no: 13472148. Registered address: 12 Boot Lane, Hugglescote, Coalville, Leicestershire, England, LE67 2PT.

Address

12 Boot Lane
Coalville
LE672PT

Telephone

+441163662990

Website

http://www.kadmortgages.co.uk/

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