Tapper Financial Services

25/03/2026

I am licensed to arrange shared ownership mortgages. This is why I decline requests for them.

Until there is better protection for buyers against “unforeseen cost increases” we will not arrange shared ownership mortgages.

'Wildy unaffordable': The harsh reality of shared ownership

For many, the promise of getting a foot on the property ladder has turned into a nightmare.

27/02/2026

Another new page on our mortgage and insurance TFS web-site.

"Life Insurance and all you need to know about it!"

There are some common misunderstandings about life insurance and many people simply don't understand the finer points of what it is for. Life insurance is one of a range of insurance types that we work with, so here is our guide page.
Please let us know if you find this useful.

This link will take you to a page that’s not on LinkedIn

29/01/2026

Facebook has just forced me to reset my account. The blurb promised it would keep all my previous settings,

What rubbish!

I had eliminated many adverts in settings, but today I am inundated with everything it thinks I want to know about - Holidays, Cars, Clothes, Psychiatric Help…

What’s going on!?!?!

28/01/2026

Tapper & Cat working hard from the office…
(Look carefully)

22/01/2026

These are uncertain times, so we want to help people who are concerned about making sure that they can continue to meet their everyday financial needs if they have an accident or fall ill. We do this for personal cover and also for businesses. Take a look at our income protection pages here

Income Protection insurance is a monthly income if you are unable to work due to illness or injury, so you continue to meet your everyday financial commitments.

21/01/2026

🌩️ Stormy Weather ⛈️

It's winter time and thoughts turn to caring for our homes.
Q - Why use a broker to get your buildings insurance and not the cheapest on-line cover?
A - So that you have peace of mind that this cannot happen to you!

Cheap is cheap for a reason...!

02/12/2025

Don't be a turkey. Protect yourself and your family from debt.

02/12/2025

I have posted this one before, but it does make the point about getting insurance to cover a massive debt and protect the family.

25/11/2025

How much can we borrow on a mortgage?

This is probably the most frequently asked question clients put to us. The usual response is that borrowing is limited to about 5 times income on a good day.

However, for TEACHERS, that is now up to 7 (SEVEN) times income. That can also be applied to a teacher and a partner who is not a teacher. So a joint income with a non-teacher can also get seven times income.

This also applies to first time buyer teachers.

All this depends on standard affordability criteria (commitments, dependents etc), but this could be a game changer for a lot of people wanting to get on the housing ladder in expensive regions, including London.

Contact me for more information.

Remember the compliance warning...
"Your home may be repossessed if you fail to keep up mortgage
payments"

Martin & Loess are partners in this mortgage and insurance advice firm. Professional advice to help you to buy and keep your home in case of death or illness

18/11/2025

Good news stories about insurance and sick children are difficult to write. A couple of years ago I got a heart rending telephone call from a client. Her son had been admitted to Adenbrooks with a brain tumour. My client wanted to know if her critical illness insurance included any cover for her son.

It did and the policy paid out £27,000.

My client was able to use the money and step back from work and take care of the son. Good news. But the best news is that after two years the lad is in full remission.

The list of insurance companies offering critical illness as a free part of critical illness, income protection or even a paid add-on for life insurance, is getting longer.

God forbid our children get that sick. If they do it helps to have the finances to cope.

https://www.tapperfs.co.uk/insurance/

17/10/2025

‘We are delighted to be able to have given £2650 to Mid and NE MIND.
Good mental health in rural areas, such as where we live in Birch, can be challenging, especially for younger people. We have seen some awful and tragic cases locally, which prompted us to start working with Mid and NE MIND.
The funds raised are being put towards counselling sessions for young people in the region. We feel that this is particularly important as 50% of mental health problems are established at an early age and that su***de is the biggest killer of men under 50.

Anything we can do to help reduce those in distress has to be a good thing.’

Sarah Wilson, Fundraising Manager at Mid and North East Essex Mind, said “We’re incredibly grateful to Tapper Financial Services for their ongoing support through Project MIND. Partnerships like this are essential in helping us reach more people and make a lasting difference in our communities. Their generosity is helping us create communities where people feel empowered, supported, and able to thrive.”