In2Equity Ltd

In2Equity Ltd Mortgage and Protection Specialist (Life insurance, Critical Illness, Income Protection, Building Insurance)

03/09/2026

Most people assume their employer has them covered. Most people are wrong. Here is what nobody put in your contract.

1. Statutory sick pay barely covers groceries.
SSP pays just £116.75 per week for a maximum of 28 weeks — that is it. If your mortgage costs more than that per week (and it almost certainly does), the shortfall comes straight out of your savings. Income protection can replace up to 70% of your gross income, paid monthly, for as long as you cannot work.

2. Own occupation is the only definition worth having.
There are two main definitions on the market and the difference is enormous. 'Own occupation' pays if you cannot perform your specific job — a surgeon who loses a hand is covered. 'Any occupation' only pays if you cannot perform any job at all — the same surgeon could be expected to work in admin and receive nothing. Always check the definition before you buy.

3. Self-employed have zero safety net by default.
Employees at least get SSP. If you are self-employed, HMRC gives you nothing when you are too ill to work. Income protection is not a luxury for the self-employed — it is the only thing standing between a bad diagnosis and losing everything you have built. Premiums are based on your occupation, age, and deferred period, so cover can cost less than you think.

4. Deferred period choice can slash your premium.
The deferred period is how long you wait after stopping work before the policy pays out — typically 4, 8, 13, or 26 weeks. If you have three months of savings or a generous employer sick pay scheme, choosing a longer deferred period can cut your monthly premium significantly while still protecting you when it matters most.

5. Your age today is the cheapest it will ever be.
Income protection is underwritten on your age and health at the point of application. Every year you wait, the premium increases — and any health conditions that develop between now and when you apply could affect your terms or exclude certain conditions entirely. The right time to arrange cover is before you need it.

DM us the word INCOME and we will compare whole-of-market income protection options for you — no obligation, no jargon.

📞 0800 7

Buying your first home is exciting—but it’s important to look beyond the asking price. Understanding the full financial ...
02/09/2026

Buying your first home is exciting—but it’s important to look beyond the asking price. Understanding the full financial picture can help you make a more informed decision.

02/09/2026

Trap 4 — the one we held back.

If you took out your critical illness cover more than three years ago and never reviewed it, the definition standards in your policy may be significantly weaker than what exists in the market today. Policy definitions have improved dramatically. Older policies often use narrower wording that newer claims frequently fall foul of — meaning a diagnosis that would pay out on a 2024 policy may be rejected on a 2019 one.

Reviewing your cover costs nothing. Finding out at claim time that it wasn't enough costs everything.

DM us the word CRITICAL and Angel will personally review your existing policy against the whole market — no obligation, no pressure.

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




01/09/2026

Most people with income protection think they're covered.
They're not. Here's what the policy small print actually says — and what to check before you need to claim.

1. Your occupation definition will work against you
The single most important line in your income protection policy is how it defines being "unable to work." An "any occupation" definition only pays if you are physically incapable of doing any job at all — including stacking shelves. A surgeon who loses the use of their hand could be told to retrain and receive nothing. The definition you need is "own occupation" — it pays if you cannot perform the specific duties of your actual job. Most policies sold through price comparison sites and banks default to the weaker definition. Check yours today.

2. Your deferred period is longer than your savings will last
Income protection doesn't pay from day one — there's a waiting period called the deferred period before your monthly benefit starts. Common options are 4, 8, 13, or 26 weeks. Many people choose a 26-week deferred period because it lowers the premium, without realising they have less than £2,000 in accessible savings. Statutory Sick Pay from the government is currently £116.75 per week and runs for a maximum of 28 weeks. If your savings run out before your policy kicks in, you have a gap that could cost you your home. Match your deferred period to how long you could genuinely survive without income.

3. Your cover amount is based on what felt affordable, not what you actually need
Income protection pays up to around 70% of your pre-tax income — but that ceiling only helps if you set your cover level correctly when you applied. Many people insure a round number that felt comfortable at the time, without checking whether it would actually cover their mortgage, household bills, food, and childcare simultaneously. If you took the policy out several years ago and your income has risen since, your cover level may now be significantly below 70% of what you earn. A protection review costs nothing and could be the difference between keeping your home and losing it.

DM us the word INCOME and we'll review your existing policy.

A mortgage is a major financial commitment, so preparation matters. Understanding your finances and getting professional...
31/08/2026

A mortgage is a major financial commitment, so preparation matters. Understanding your finances and getting professional guidance can help you approach the process with greater confidence.

31/08/2026

Most mortgage rejections aren't about your income. They're about five small things that lenders check before they even look at your payslips — and nobody tells you what they are until it's too late.

Here's number 1: a default, missed payment, or County Court Judgement (CCJ) registered against your name — sometimes from years ago, sometimes from an address you've long since left. Lenders see it. You forgot it existed. Application over.

The full list:
5 — Electoral roll mismatch
4 — New credit taken out in the last 6 months
3 — Multiple hard credit searches in a short window
2 — Flagged transactions on your bank statements
1 — An old default or CCJ you didn't know was still there

Every single one of these is fixable — but only if you know about it before you apply.

DM the word APPROVED and we'll do a soft-search check that protects your credit file while we search 90+ lenders on your behalf.

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





ukproperty
propertytips

28/08/2026

Your job can change. Your family’s protection shouldn't. 🛡️

​Work cover is a helpful extra, but it often falls short:
❌ It ends the moment you switch or leave your job.
❌ It doesn't adjust as your mortgage or family grows.
❌ It leaves your long-term security in someone else's hands.

​A private policy gives you complete control, locked-in rates, and protection that follows you everywhere.
​Clarity first. Pressure never.

​👉 Save this post
👉 Book a consultation via the link in bio or DM “CHECK” to audit your coverage today!
​

Your home is an important part of your family’s future—but so is the income that helps keep everything running. The righ...
27/08/2026

Your home is an important part of your family’s future—but so is the income that helps keep everything running. The right protection can help give your loved ones greater financial security when they need it most.

27/08/2026

If you own a buy-to-let or commercial property, here are 5 things that tell you whether it's actually performing — or quietly draining you.

1. Your mortgage deal ended and you did nothing. Your lender moved you onto their SVR. You're now paying hundreds more every month than you need to.

2. Your property has gone up in value but your rate hasn't moved. A better loan-to-value means better rate bands — most landlords never renegotiate.

3. You're holding BTL properties in your personal name as a higher-rate taxpayer. A limited company structure could change everything. Speak to a tax adviser alongside us.

4. You're expanding into HMOs or multi-unit blocks but using the same lender as your first buy-to-let. Specialist lenders exist for a reason.

5. You have four or more mortgaged properties and no specialist broker. Portfolio landlords are assessed under stricter rules. You need someone who knows them.

DM us the word BTL and we'll take a look at what you've got.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Buy to Let mortgages are not regulated by the Financial Conduct Authority.





portfoliolandlord

26/08/2026

Here are the 5 signs your mortgage deal is working against you — not for you.

1. Your fixed rate ended and nobody called you. Your lender moved you onto their Standard Variable Rate in silence. SVR is almost always significantly higher than what you were paying.

2. You took your lender's retention offer without checking the market. Their offer is rarely the best available. They count on you not looking elsewhere.

3. Your home has gone up in value since you last remortgaged. A better loan-to-value ratio unlocks better rate bands — but only if someone applies for them.

4. You don't know your deal end date. It's on your mortgage statement. If you don't know it, you can't protect yourself from it.

5. You've never spoken to a whole-of-market broker. Your bank searches one lender. We search over 90.

DM us the word REMORTGAGE and we'll tell you exactly where you stand.

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



Address

190 High Street
London
SE207QB

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 6pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+448007720998

Website

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