EMS Mortgages and Protection

19/10/2026

When you take on a mortgage, protecting your family and your home becomes a priority. Many people assume their employer’s Death in Service benefit or workplace protection is enough but the reality is:

🚨Death in Service is tied to your job so If you change employer, retire, or are made redundant, that cover usually stops.

🚨The amount of cover your employer provides may not match your mortgage. So although a lump sum benefit might sound reassuring, it isn’t always aligned with your current mortgage balance or family’s ongoing needs.

🚨Critical illness & income protection aren’t included. Employer schemes rarely cover loss of income due to illness or injury, which is often the bigger risk for homeowners. always check what you are actually covered for with your employer.

🔑 Personal protection policies give you control. You choose the cover amount, the term, and the features that fit your mortgage and lifestyle. Unlike employer benefits, they stay with you no matter where you work.

So If you’re buying a house, think of employer protection as a bonus, not a replacement. The right personal cover ensures your home and family are secure, whatever happens with your career.🏡👨‍👩‍👧‍👦😀

To discuss a tailor made cover to suit your budget and your family's needs
GET IN TOUCH for your free insurance consultation⬇️
Email: [email protected]
Mobile: 07485 263958

EMS Mortgages and Protection LTD is an appointed representative of Primis mortgage network, a trading name of first complete limited which is authorised and regulated by the financial conduct authority.

08/09/2026

Thank you so much for your lovely review Ms Mc🥰

Go check out our google reviews and see what our clients have to say about us😀.

If you would like help with any mortgage or insurance needs don't hesitate to get in touch with us or book an appointment using the link below⬇️

We wont let you down!
Book an initial appointment below 😎
calendly.com/johnemsmortgages
[email protected]
Mob-: 07485263958

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

EMS Mortgages and Protection Ltd may charge a fee for mortgage advice. The precise amount will depend on your circumstances but will range from £0 to £999.

29/08/2026

Congratulations to our wonderful clients James and Emma getting the keys to their new home yesterday. Here’s to many happy years 🏡 ❤️ thank you for letting us help you with the process James Dillon Emma✨

21/08/2026

A stronger credit score can mean better rates, higher borrowing, smoother approval, and access to more lenders. A weaker score doesn’t stop you getting a mortgage, but it can limit your options and increase costs.

What matters most is what’s on the credit file, not just the number:
• Are there missed payments?
• Are they recent?
• Are they on unsecured credit or previous mortgages?
• Any defaults or CCJs?
• Any payday loans?

To see how your credit score may effect how much you can borrow, get in touch with us and speak to one of our experienced advisors.

GET IN TOUCH ⬇️
Email: [email protected]
Mobile: 07485 263958

EMS Mortgages and Protection Ltd may charge a fee for mortgage advice. The precise amount will depend on your circumstances but will range from £0 to £999.

EMS Mortgages and Protection LTD is an appointed representative of Primis mortgage network, a trading name of first complete limited which is authorised and regulated by the financial conduct authority.

The Experts in all things mortgages&insurance for First Time Buyers, remortgages

11/08/2026

10/08/2026

When you apply for a mortgage, lenders don’t just look at your credit score. They may also review your bank statements to understand how you manage your money.

Things such as regular overdraft use, frequent gambling transactions, returned payments, payday loans, excessive Buy Now Pay Later use and unexplained spending can potentially raise questions about affordability and financial management.

That doesn’t automatically mean you’ll be declined — every lender has different criteria. The key is knowing how your finances could be viewed before you apply.

🏡 Thinking about getting a mortgage?

At EMS Mortgages, we look beyond the tick box and work with a wide range of lenders to help find a solution that fits your circumstances.

📩 Get in touch with EMS Mortgages before you apply.

EMS Mortgages
Mortgages & Protection

🔹 FCA regulated
🔹 Appointed Representative of Primis Mortgage Network
🔹 Broker fees range from £0–£999 depending on your circumstances and the service provided.

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

FirstTimeBuyer HomeBuying Remortgage MortgageApplication MortgageHelp FinancialTips PropertyUK Primis MortgageAdviceUK

25/07/2026

25/07/2026

Proud to sponsor the team this year, what a debut season with two trophies in the bag 😎🙌
Well done Craig and Liam and all the boys and girls, here’s to a big 26/27 ⚽️

Tuesday 21st July

First game as champions and it ended a draw 2-2 conceding a last second penalty. It was a good game on the whole with both teams playing football and creating chances at both ends. It was a game where the pressure of needing to win hadn’t been lifted and the kids seemed more tense than ever and were at each other all game which was odd after Saturday and ultimately how the penalty came about, switching off and worrying about disagreements on the pitch. Another important lesson learned for them and an experience for them to fall back on going forward.

Some great performances there though, especially through the middle, Sam was excellent again with his tireless work rate and 2 quality assists for the goals.

Joel and Louis with 2 superb composed finishes. Gutted the camera was more interested what was going on the pitch behind and I don’t think it’s caught any of it 😡

Huktra Player of the match: Tom

Tom put in a captains performance, getting his head on the long balls to clear the danger, emptying the ball up the pitch, unreal long throws and there was one moment where Logan went across to cover the right back as he should be their striker made a run in behind and Tom has tracked him from midfield and cut the danger out straight away. Really good reading of the game 👏 same again, he’s played a few different positions again tonight and each one he done well. Superb Tom, well in 💪

Goals:

Joel ⚽️
Louis ⚽️

09/07/2026

🏡 Getting ready for your mortgage appointment?

Being prepared can make all the difference. Having the right documents ready helps us understand your circumstances, assess your affordability, and recommend the most suitable mortgage options for you—saving time and helping your application progress as smoothly as possible.

Every situation is different, so don’t worry if you’re unsure whether you have everything you need. We’ll guide you through the process and let you know exactly what’s required based on your individual circumstances.

If you’re thinking about buying your first home, moving house, remortgaging, or you’re self-employed, I’m here to help.

📩 Get in touch today to book your mortgage appointment and let’s find a way.

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

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