Simon Ward - Boxed Mortgages

Simon Ward - Boxed Mortgages With access to 1000s of mortgage deals we can provide exclusive deals as well as bespoke advice. We know that mortgages & protection aren’t one-size-fits-all.

Boxed Mortgages are a firm of friendly and dedicated mortgage and protection advisers. That’s why we think outside the box to tailor solutions that fit you properly. Whether you’re stepping onto the property ladder, switching to a better deal or securing your future, we wrap everything up into a seamless, stress-free experience. We work from the whole of the market and so we are able search throug

h 100's of lenders and 1000's of products to tailor a bespoke service and ensuring that we secure the right deal for you. Based in Lincoln but working UK wide, we offer remote video and telephone appointments or we can arrange to meet in a cosy cafe or in the comfort of your own home at hours that suit you.

15/06/2026

🛡️ Dangerous Jobs and Life Insurance

Not all jobs are viewed the same by life insurance providers.

If you work in a higher-risk occupation, your role could affect the type of cover available to you and how much you pay for it.

Examples of occupations that insurers may consider higher risk include:

🚒 Firefighters
👮 Police officers
🎖️ Armed Forces personnel
🏗️ People who regularly work at height

This doesn't mean you can't get life insurance. However, insurers may ask additional questions about your role and responsibilities to better understand the level of risk involved.

It's important to remember:

📋 Always disclose your occupation accurately when applying for cover
⚠ Failing to provide accurate information could affect future claims
💷 Higher-risk occupations may attract higher premiums
🛡 You may also want to consider income protection or critical illness cover depending on the nature of your work

The good news? Having a hazardous occupation doesn't automatically mean you'll struggle to get suitable protection.

At Boxed Mortgages, we help clients navigate both standard and specialist protection options. We can explain what's available, compare policies and help ensure you and your family have the right safety net in place should the unexpected happen.

📖 Read the full blog on our website to learn more.

📩 If you work in a higher-risk occupation and would like to review your protection options, get in touch for a friendly chat.

🔗 www.boxedmortgages.co.uk
📧 [email protected]
📲 07734203134

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

Source:

https://www.legalandgeneral.com/insurance/life-insurance/lifestyle/dangerous-jobs/

12/06/2026

📉📈 Fluctuating Mortgage Rates

If you've been keeping an eye on mortgage rates recently, you'll have noticed they're moving around more than usual.

The ongoing conflict in the Middle East has created uncertainty in financial markets, which has had a knock-on effect on mortgage pricing.

Recent trends show:

🏦 More than 30 lenders increased rates and withdrew products earlier this year
📉 Some lenders have since started reducing rates again
💷 Average fixed-rate mortgages remain higher than they were before the market uncertainty began
🏠 Borrowers with larger deposits are generally benefiting from the most competitive rates
🔁 Homeowners coming to the end of low fixed-rate deals may face significantly higher repayments when remortgaging

While headlines can make the market feel uncertain, every lender responds differently and there may still be opportunities available depending on your circumstances.

At Boxed Mortgages, we help clients cut through the noise and understand what current market conditions mean for them. Whether you're buying your first home, moving house or approaching a remortgage, we can help you explore your options and find a solution that fits your circumstances.

📖 Read the full blog on our website for the latest market insights.

📩 If you're wondering how changing mortgage rates could affect you, get in touch for a friendly chat.

🔗 www.boxedmortgages.co.uk
📧 [email protected]
📲 07734203134

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

Sources:

https://www.mortgagestrategy.co.uk/news/mortgage-rates-keep-climbing-as-lender-repricing-continues/

https://www.mortgagestrategy.co.uk/news/mortgage-rates-fall-for-a-second-week-as-more-lenders-make-cuts/

10/06/2026

🛡️ How Divorce Affects Life Cover

Divorce brings many important financial decisions, but one area that is often overlooked is life insurance.

Your policy won't automatically update when your circumstances change, which means your protection may no longer reflect your wishes or your needs.

If you're going through a separation or divorce, it's worth considering:

👤 Are your beneficiaries still up to date?
💷 Does your current level of cover still match your financial commitments?
🏠 If your policy protects a mortgage, does it still provide the right level of protection?
📋 If you have a joint policy, what options are available to you and your former partner?

Many people are surprised to learn that an ex-spouse could remain entitled to a payout if beneficiary details are not updated.

Divorce can also affect your income, financial responsibilities and long-term plans, making it a good time to review your wider protection arrangements.

At Boxed Mortgages, we help clients review their protection policies to ensure they continue to meet their needs after major life events. Whether you're unsure about a joint policy, need to update your cover or want to understand your options, we're here to help.

📩 If your circumstances have changed and you'd like a free protection review, get in touch for a friendly chat.

🔗 www.boxedmortgages.co.uk
📧 [email protected]
📲 07734203134

As with all insurance policies, conditions and exclusions will apply.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Source:
https://www.legalandgeneral.com/insurance/life-insurance/family/life-insurance-after-divorce/

08/06/2026

🏡 Some Tips for Property Hunters

Finding the right home is about much more than finding the right price.

Whether you're a first-time buyer, moving home or taking the next step on the property ladder, it's important to look beyond the initial excitement and think about the bigger picture.

Before making an offer, ask yourself:

💷 What can you realistically afford once all costs are considered?
📍 Is the location right for your lifestyle, commute and future plans?
🏠 Will the property still meet your needs in five years' time?
🔍 Have you arranged a survey to uncover any hidden issues?
⏳ Have you taken enough time to compare your options?

Buying a home is one of the biggest financial commitments you'll ever make, so it's worth getting the right advice before you start your search.

At Boxed Mortgages, we help buyers understand their budget, explore their mortgage options and navigate the home-buying process with confidence. Our goal is to help you find a home that works for both your lifestyle and your finances, now and in the future.

📖 Read the full blog on our website for more property hunting tips.

📩 If you're planning a move and would like some tailored mortgage advice, get in touch for a friendly chat.

🔗 www.boxedmortgages.co.uk
📧 [email protected]
📲 07734203134

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

Source:

https://www.yopa.co.uk/blog/finding-the-right-home-five-things-every-buyer-should-think-about/

04/06/2026

One of the most common mistakes homeowners make is waiting until their mortgage deal ends before looking at new options.

But many lenders allow you to secure a new mortgage rate up to 6 months before your deal expires.

That means you can:
✔ Protect yourself from future rate increases
✔ Avoid falling onto your lender’s Standard Variable Rate
✔ Give yourself time to find the right mortgage for your situation

At Boxed Mortgages, we help clients review their mortgage early so they can make informed decisions without the pressure.

If your mortgage deal ends in the next 6–12 months, now is the ideal time to start exploring your options.

📩 Send us a message for a quick chat

🔗 www.boxedmortgages.co.uk
✉️ [email protected]
📲 07734203134

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

02/06/2026

🏡 Looking for mortgage, protection and homeownership insights without the jargon?

At Boxed Mortgages, we regularly share market updates, mortgage tips, protection guidance and practical advice to help you make informed financial decisions with confidence.

Whether you're:
🔑 Buying your first home
🔁 Approaching a remortgage
🏡 Moving house
🛡 Reviewing your protection
📈 Keeping an eye on the property market

Our page is packed with useful insights designed to keep you one step ahead.

💛 Follow Boxed Mortgages for:
✔ Mortgage market updates
✔ First-time buyer tips
✔ Remortgage guidance
✔ Protection and insurance insights
✔ Homeowner advice
✔ Industry news explained simply

If there's a topic you'd like us to cover, let us know in the comments 👇

📲 Follow our page and invite a friend who might find our content useful.

Because the right information today can help you make better decisions tomorrow.

📩 Need tailored advice? We're always happy to chat

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

You may have to pay an early repayment charge to your existing lender if you remortgage.

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

27/05/2026

Many UK homes are inaccurately insured ⚠️🏡

Getting your home insurance “sorted” isn’t always enough… it needs to be accurate.

Recent research shows:

📊 Only 7% of UK homes are correctly insured
📉 70% are underinsured
📈 23% are overinsured

So what’s going wrong?

It often comes down to one key misunderstanding…

🏗 Rebuild cost ≠ market value

Your insurance should reflect the cost to rebuild your home from scratch including labour, materials and associated costs not what it would sell for.

Here’s where it gets interesting:

🏡 Lower-value homes are often underinsured due to rough estimates
💷 Higher-value homes are often overinsured, leading to higher premiums

Either way, it can cost you:

⚠ Underinsurance could leave you covering a shortfall in a claim
💸 Overinsurance could mean paying more than you need to

The key is getting the balance right.

At Boxed Mortgages, we help you review your cover properly so you’re not left exposed or overpaying. We’ll make sure your insurance reflects your home, your circumstances and today’s rebuild costs.

Because when it comes to protecting your home, guesswork isn’t enough.

If you haven’t reviewed your policy recently:

📩 Message us for a friendly chat
🔗 Read the full blog on our website

🔗 www.boxedmortgages.co.uk/blogs
✉️ [email protected]
📲 07734203134

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

Sources:

https://www.rebuildcostassessment.com/post/why-insurance-accuracy-fails-at-every-level-of-property-value

25/05/2026

Self-employed? Your income needs protecting 💷🛡️

Being self-employed comes with freedom… but also risk.

One of the biggest differences?

❌ No Statutory Sick Pay if you’re unable to work, which means if your income stops… so does your safety net.

Research shows:

📊 Self-employed people take 35% fewer sick days
⚠ Often because they can’t afford not to work

But pushing through illness or injury can lead to bigger problems long term.

This is where income protection becomes essential.

💷 Covers typically 50–70% of your income
📅 Pays monthly if you’re unable to work
🧠 Covers a wide range of conditions, including mental and physical health

There are also key things to consider:

⏳ Deferred period – how soon you’d need payments to start
⚙ Your job type – higher risk roles may affect cover
🏢 Business owners – executive income protection may be an option

The key is making sure your policy is built around your situation.

At Boxed Mortgages, we help self-employed clients put the right protection in place so you’re not left exposed if the unexpected happens. We’ll guide you through your options and tailor cover that fits your income, lifestyle and budget.

Because when you work for yourself… your income is everything.

If you’re self-employed and unsure what would happen if you couldn’t work 📩 Message us for a friendly chat

🔗 Read the full blog on our website

🔗 www.boxedmortgages.co.uk/blogs
✉️ [email protected]
📲 07734203134

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

Source:

https://www.reassured.co.uk/income-protection/income-protection-for-self-employed/ #:~:text=Self%2Demployed%20income%20protection%20%5BQuick,to%20meet%20your%20unique%20needs

22/05/2026

How to get the right protection cover 🛡️

When it comes to protection, it’s not about having any policy in place… it’s about having the right one for you.

Because no two situations are the same.

The level and type of cover you need will depend on things like:

👨‍👩‍👧 Your family and dependents
💷 Your income and monthly commitments
🏡 Your mortgage and financial responsibilities
📊 Your future plans

For example:

🏡 Life insurance can help ensure your family are financially supported if the worst happens
💷 Income protection can provide a safety net if illness or injury stops you working

It’s about prioritising what matters most to you and making sure it’s properly protected.

Cost is often a concern, but protection doesn’t have to be one size fits all. Policies can be tailored to suit your needs and your budget.

And just as importantly… your cover should evolve as your life does.

At Boxed Mortgages, we take the time to understand your situation and recommend protection that fits around you, not the other way around. We also help review your policies over time, so you can be confident they continue to do their job.

Because the right protection isn’t just about today, it’s about giving you and your family peace of mind for the future.

If you’re unsure what cover you need or whether your current policies are still right 📩 Message us for a friendly chat

🔗 Read the full blog on our website
🔗 www.boxedmortgages.co.uk/blogs
✉️ [email protected]
📲 07734203134

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

Source:

https://www.moneyhelper.org.uk/en/everyday-money/insurance/how-much-does-protection-insurance-cost

20/05/2026

A first-time buyer’s guide to home insurance 🏡🔑

Buying your first home is a huge milestone… but understanding your insurance is just as important.

Here’s what you need to know:

🏡 Buildings insurance
Covers the structure of your home and permanent fixtures
✔ Usually required by your mortgage lender

🛋 Contents insurance
Covers your belongings like furniture, carpets and clothes
✔ Not mandatory but strongly recommended

But here’s where many first-time buyers get caught out…

❗ Assuming everything is covered
💍 High-value items may need to be specified
⚠ Add-ons may be required for full protection

And while it’s tempting to go for the cheapest option:

💷 Lower cost can sometimes mean less cover
📉 You could risk being underinsured when it matters most

The key is understanding what your policy actually does and doesn’t cover.

At Boxed Mortgages, we don’t just help you secure your mortgage we help you protect your home properly too. We’ll guide you through your options so you can feel confident that everything is covered the right way.

Because buying your first home is just the start… protecting it is what keeps it secure

📩 Message us for a friendly chat
🔗 Read the full blog on our website

🔗 www.boxedmortgages.co.uk/blogs
✉️ [email protected]
📲 07734203134

As with all insurance policies, conditions and exclusions will apply. Your home may be repossessed if you do not keep up repayments on your mortgage.

Sources:

https://www.abbeyautoline.co.uk/knowledge-hub/living/top-home-insurance-tips-for-first-time-buyers/ #:~:text=More%20and%20more%20people%20are,Protect%20your%20valuable%20items

https://www.ilauk.co.uk/first-time-home-buyers-insurance-guide/ #:~:text=You%20might%20only%20realise%20it,neighbours%2C%20tradespeople%2C%20or%20tenants.

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Lincoln

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+447734203134

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