ABP Mortgage Solutions Ltd

ABP Mortgage Solutions Ltd Director at ABP MORTGAGE SOLUTIONS LTD

Life insurance vs income protectionDo you know the difference between life insurance and income protection? Life insuran...
26/02/2026

Life insurance vs income protection

Do you know the difference between life insurance and income protection?

Life insurance
Life insurance pays out a lump sum to your loved ones if you die during the policy term. You could either be covered for a fixed length of time (such as 10 or 25 years), or for the whole of your life. It’s sensible to get cover if you have any dependents because life insurance could help them to stay living in your home if you pass away.

Income protection
Income protection provides a portion of your income if you are unable to work due to illness or injury. The insurer will make monthly payments to you until either the term ends, you die or return to work. There will usually be a waiting period before you can start receiving payments.

Income protection is recommended if you would struggle to cover essential living expenses if you were unable to work - for example, if you are self-employed, have limited savings or are the sole earner in your household.

Do I need both?
Income protection provides you with support during your lifetime, while life insurance safeguards your family in the event of your death. Both policies can offer peace of mind that you and your loved ones will be protected in times of need.

As with all insurance policies, conditions and exclusions will apply.

Sources:
https://www.legalandgeneral.com/insurance/life-insurance/definitions/life-insurance-vs-income-protection/

Budget impact on landlordsResearch suggests that landlords may be forced to raise rents to account for tax hikes announc...
16/02/2026

Budget impact on landlords

Research suggests that landlords may be forced to raise rents to account for tax hikes announced in the Autumn Budget.

From April 2027, landlords will face a 2% tax increase on their rental income - the basic rate of property income tax will rise from 20% to 22%, while the higher rate will increase from 40% to 42%. Those paying the additional rate will pay 47%.

In a survey of landlords, 86% said they expected the measures to push rents higher. But the first phase of the Renters’ Rights Act takes effect in May 2026 – from then, landlords will only be able to raise rents once a year.

Ryan Etchells at Together commented, “this will inevitably result in higher rents from next year onwards, and if landlords can’t make their portfolios work for them they could be forced to sell-up altogether.”

Sources:
https://www.mortgagestrategy.co.uk/news/nine-in-10-fear-2-tax-hike-on-landlords-will-push-rents-higher-together/

If your mortgage deal is coming to an end?Call us today 👍
12/02/2026

If your mortgage deal is coming to an end?
Call us today 👍

As we say goodbye to 2025 and welcome 2026, we at ABP Mortgage Solutions want to extend our heartfelt gratitude for your...
31/12/2025

As we say goodbye to 2025 and welcome 2026, we at ABP Mortgage Solutions want to extend our heartfelt gratitude for your continued trust and support. This past year brought its share of challenges and growth, and we appreciate having you as part of our journey. We look forward to achieving new goals and making great things happen together in the new year🥂🥂🎉🥳

First-time buyer? Contact us on [079317 45156 ] or [aashish@abpmortgagesolutions.co.uk] to talk about your mortgage opti...
22/08/2025

First-time buyer? Contact us on [079317 45156 ] or [[email protected]] to talk about your mortgage options


Unlock the doors to your dream home with personalised mortgage advice! Our team is dedicated to finding the perfect solution for you. Get in touch today and let's turn your property goals into reality!

Let's make your first home-buying experience a success!

Your home may be repossessed if you do not keep up repayments on your mortgage and you may have to pay an early repayment charge to your existing lender if you remortgage.

Had a great morning at the speed networking event at Avanti Fields School today.It was a fantastic opportunity to connec...
22/05/2025

Had a great morning at the speed networking event at Avanti Fields School today.

It was a fantastic opportunity to connect with inspiring professionals, share experiences and practice meaningful conversations.

It was inspiring to see how curious, driven and thoughtful these young minds are, from asking insightful questions to confidently sharing their goals, these students truly impressed me.

Proud to be part of community that invests in the next generation.
empowerment # networkijg # education matters.
# Fields School

Should you overpay your mortgage?Are you considering making mortgage overpayments? Here’s what to consider. If you can a...
26/03/2025

Should you overpay your mortgage?

Are you considering making mortgage overpayments? Here’s what to consider.

If you can afford it, there are many advantages to overpaying your mortgage, such as:
- Becoming a step closer to being mortgage-free
- Reducing the amount of interest you owe
- Lowering your loan-to-value ratio (LTV).

However, before you make overpayments it’s vital to check the following:
- Is there an early repayment charge (ERC)? Many lenders allow borrowers to pay off 10% of the mortgage balance each year without a fee, but you must double check the terms of your deal.
- Do you have other debts that you should settle first?
- Would it be more beneficial to place your extra cash elsewhere, such as a savings or pension pot?

Your home may be repossessed if you do not keep up repayments on your mortgage.

Another 5 star review from a happy client, if you know anyone looking for best advice pls send them my way 👍www.abpmortg...
25/03/2025

Another 5 star review from a happy client, if you know anyone looking for best advice pls send them my way 👍
www.abpmortgagesolutions.co.uk

If you are looking to buy your dream home 🏠 call us on 07931745156.
03/03/2025

If you are looking to buy your dream home 🏠 call us on 07931745156.

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