Cara Delemere - Newell Mortgage Services

Home
United Kingdom
Milton Keynes
Cara Delemere - Newell Mortgage Services

Experienced Mortgage & Protection Advisor | Milton Keynes. Helping you achieve your property dreams. Hi there! Let's chat about your homeownership goals!

Appointed Representative for PRIMIS via Newell Mortgage Services. Your home may be repossessed if you do not keep up with repayments. I'm Cara Delemere, a Mortgage & Protection Advisor based in Milton Keynes. As a busy single mum to an almost 18-year-old, I understand the challenges of juggling life's responsibilities. With over a decade of experience in the mortgage industry, including roles at l

enders and as a commercial mortgage advisor, I’ve helped countless people like you achieve their homeownership dreams. Buying a home can be stressful, but it doesn't have to be. I'm here to make the process as smooth and hassle-free as possible. With a friendly, down-to-earth approach, I'll guide you every step of the way. I'm proud to be an appointed representative of the PRIMIS network through Newell Mortgage Services. When I’m not helping clients, you'll find me with a camera in hand, exploring new places, or simply enjoying quality time with my family. YOUR HOME MAY BE REPOSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

26/08/2026

“𝗪𝗵𝘆 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 𝗺𝗮𝘁𝘁𝗲𝗿𝘀 𝘁𝗼 𝗺𝗲”

Protection is something I talk about with clients every day, but for me, it isn't just a conversation I have because it's part of my job.

𝗜𝘁'𝘀 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹.

My brother had a stroke when he was just 29 years old.

It completely changed his life. Today, he has no use of one arm and is unable to walk.

And I think that's probably why I look at protection slightly differently.

We all have that little voice that says:

“I'm young.”
“I'm healthy.”
“It won't happen to me.”
“I'll sort it out later.”

But my brother was 29.

Nobody expects something like that to happen at 29.

Seeing what happened to him showed me first hand that serious illness doesn't wait until you're older, until the mortgage is paid off, until you've built up enough savings, or until you've finally got around to sorting everything out.

𝗟𝗶𝗳𝗲 𝗰𝗮𝗻 𝗰𝗵𝗮𝗻𝗴𝗲 𝘃𝗲𝗿𝘆 𝗾𝘂𝗶𝗰𝗸𝗹𝘆.

And when it does, the last thing I'd want someone worrying about is whether they can pay their mortgage, keep up with their bills or financially support their family.

That's why I'm so passionate about having conversations around Life Insurance, Critical Illness Cover and Income Protection.

It's not about scaring people or expecting the worst.

It's about asking a simple question:

𝗜𝗳 𝗹𝗶𝗳𝗲 𝗰𝗵𝗮𝗻𝗴𝗲𝗱 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄, 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗯𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹𝗹𝘆 𝗽𝗿𝗲𝗽𝗮𝗿𝗲𝗱?

So if you've followed this protection series and thought at any point, “I really should look at mine”, please don't just add it to the never ending to do list.

💛 Drop me a message.

We'll look at what you already have, what you might need and what works within your budget.

No pressure. No scare tactics. Just a conversation that I know, from personal experience, is worth having.

24/08/2026

Can I ask you a slightly uncomfortable question? 👀

If something unexpected happened to you tomorrow, would the people who depend on you be financially okay?

Not just if you died, but if you became seriously ill or couldn't work for a long period of time.

Which one are you?

🅐 Yes, I've got protection in place and I know what I'm covered for
🅑 I've got some cover, but I'm not actually sure whether it's enough
🅒 No, I don't currently have anything in place
🅓 Honestly? I have absolutely no idea 😅

And there is no judgement whatsoever whichever one you picked.

Most of us don't particularly enjoy sitting around thinking about what would happen if life went horribly off-script.

But that's really what protection is about.

Not expecting something bad to happen, but making sure that if it did, the financial side of things is one less thing for you or your family to worry about.

💛 So, where are you? A, B, C or D?

Comment below if you're comfortable, or drop me a private message if you'd rather not tell Facebook your business 😂

And if you genuinely don't know what cover you have, we can go through that too. No pressure, no jargon, just a proper look at where you stand.

21/08/2026

“Do I actually need Life Insurance and Critical Illness Cover, or is Life Insurance enough?”

I get asked this quite a lot, and the easiest way I explain it is…

They’re designed to do two different jobs.

❤️ Life Insurance is there to financially protect the people you leave behind if you die during the policy term.

💊 Critical Illness Cover is there to financially support you if you’re diagnosed with a condition covered by your policy and meet the insurer’s definition.

Because sometimes the financial impact isn’t caused by someone dying.

It’s caused by someone being very much here, but being unable to work for months while they go through treatment or recover.

The mortgage still needs paying.
The bills still come out.
You might have childcare costs.
Your partner might need time away from work to support you.

That’s why, when I talk to clients about protection, I don't automatically say, “You need this, this and this.”

We look at what would actually happen financially in different situations.

What cover do you already have?
What benefits do you get through work?
What savings could you fall back on?
What would you want protected?
And what can you comfortably afford each month?

Then we work out what makes sense for you.

Sometimes that's Life Insurance. Sometimes it's Life and Critical Illness Cover. Sometimes we need to look at Income Protection too.

There isn't one protection package that everybody should have.

💛 If you're not sure what you've already got, or whether there are any gaps in your cover, drop me a message and we'll go through it properly.

19/08/2026

Being self-employed comes with plenty of perks…

But the employee benefits? Not so much 😂

When I speak to self-employed clients about protection, one of the first things we look at is:

“If you couldn’t work, or something happened to you, what financial safety net do you actually have?”

Because when you're employed, you might have things like:

💷 Employer sick pay
❤️ Death in service
📋 Other workplace benefits

When you're self-employed, you often have to arrange that safety net yourself.

And I hear this ALL the time:

“I know I need to sort it. I just haven't got round to it yet.”

Completely understandable. When you're running a business, there is always something more urgent demanding your attention.

Clients. Invoices. Accounts. Tax returns. Actually doing the work… 😅

Protection somehow ends up at the bottom of the list.

But if you are the person generating the income, it's worth thinking about what happens if suddenly you can't.

Could you still pay yourself?

How long could you cover your mortgage and bills?

And if you weren't here, what position would that leave your family in?

That's where things like Life Insurance, Critical Illness Cover and Income Protection can come in.

You don't necessarily need everything. We look at your circumstances, what safety nets you already have, what matters most to you and what you're comfortable spending.

Then we build from there.

💛 Self-employed and keep thinking, “I really need to sort my protection”? Drop me a message. We can finally get it off your to-do list.

17/08/2026

Be honest with me for a second 👀

If you don't currently have any protection in place, what's actually stopped you from sorting it?

🅐 I assumed it would be expensive
🅑 I don't really understand all the different options
🅒 It's one of those things I keep meaning to do… and never actually do 😅
🅓 I've never really thought I needed it

And genuinely, there's no wrong answer.

Protection is one of those things that's very easy to put off because hopefully you'll never need to use it.

But I find that when I actually sit down with clients and go through it properly, they're often surprised by how straightforward it can be.

We look at what you'd want to protect, what cover you might already have through work, what your priorities are and, importantly, what you're comfortable spending each month.

Then you can decide whether you want to do anything about it.

No scare tactics. No pressure. Just making sure you understand your options.

So I'm curious… A, B, C or D? 👇

And if you'd rather not announce your finances to Facebook 😂, my inbox is always open for a private chat.

14/08/2026

“I bet life insurance is really expensive though…”

This is something I hear all the time.

And quite often, when I actually show someone the figures, the response is:

“Oh… is that it?” 😂

There isn’t one set price for Life Insurance because the cost depends on you and the cover you’re looking for.

Things like:

📅 Your age
❤️ Your health and whether you smoke
💷 How much cover you want
📋 How long you want the policy to run for

all make a difference.

And this is why I’d always rather actually run the figures than have someone decide they can’t afford protection before they even know what it costs.

We can also look at what you actually need protecting.

That might be enough to clear the mortgage, provide something for your family, or a combination of different types of cover depending on your circumstances and budget.

Protection doesn't have to mean throwing every possible policy at you and creating another massive monthly outgoing.

It’s about working out what matters most, what you can comfortably afford, and getting the best protection we can within that budget.

💛 If you've always assumed Life Insurance would be expensive, drop me a message. I can show you what it could actually look like for you, with absolutely no obligation to go ahead.

12/08/2026

“I’m okay, I get sick pay through work.”

I hear this all the time when I talk to clients about Income Protection.

And that’s great, having employer sick pay is absolutely something we take into account.

But my next question is always…

Do you know exactly how much you get and how long you get it for? 👀

Because there can be a big difference between having sick pay and having enough sick pay to cover you if you were off work for a longer period.

You might receive full pay initially, then drop to half pay, and eventually be left relying on Statutory Sick Pay.

Meanwhile…

🏡 Your mortgage still needs paying
💷 Your bills are still coming out
🚗 The car payment hasn’t disappeared
🛒 And apparently Tesco still expects you to pay for your shopping 😅

And if you’re self-employed, you may not have an employer sick pay package to fall back on at all.

This is where Income Protection can come in.

It can be set up to work alongside the sick pay you already have, with the cover starting when your employer's support reduces or ends.

So having good sick pay through work doesn’t necessarily mean you don’t need Income Protection.

It just means we can take what you already have into account when working out whether there’s a gap that needs covering.

💛 Not sure what your employer would actually pay if you were off work long term? Have a look at your sick pay benefits and then drop me a message. We can work out whether you have a gap and what your options might look like.

10/08/2026

Let me ask you something 👇

If you couldn’t work for the next 3 months because you were ill or injured, what would actually happen financially?

🅐 I’d be fine, I have savings or sick pay to fall back on
🅑 It would be tight, but we’d probably manage
🅒 Honestly, we’d struggle
🅓 I’ve never really thought about it

Because the mortgage doesn’t stop.

Neither do the energy bills, food shopping, council tax, car payments… you get the idea 😅

Some people are lucky enough to have really good sick pay through work. Others may only have limited employer support or Statutory Sick Pay.

And if you’re self-employed? That can be a completely different story.

This is exactly why I talk to clients about Income Protection.

It can provide a regular monthly income if illness or injury leaves you unable to work, helping you keep on top of your normal outgoings while you recover.

And quite often, when I show people what it could cost, they're surprised.

So, honestly… which one are you? A, B, C or D? 👀

💛 If you're a B, C or D and you've never looked at Income Protection before, drop me a message. No pressure, I'll just explain how it works and what your options are.

07/08/2026

I think one of the biggest misconceptions about Critical Illness Cover is that something absolutely catastrophic has to happen before it pays out.

That’s not necessarily the case.

Policies can cover a wide range of serious illnesses and conditions, subject to the policy definitions, including some that people go on to recover from.

And that’s really the point of the cover.

It’s not just about protecting your family if you die. It’s about protecting you and your finances while you’re still here.

Think about it 👇

💷 If you were unable to work for 6 months, could you still comfortably pay your mortgage and bills?

🏡 If you live with a partner, could your household manage on one income?

💊 If you were going through treatment, would you want money to be another thing you had to worry about?

Critical Illness Cover can provide a tax-free lump sum if you meet the policy's definition of a covered condition.

That money could be used to reduce your mortgage, cover your bills while you're off work, make changes to your home, or simply give you some financial breathing room while you focus on getting better.

It’s one of those things we all hope we'll never need, but if you do need it, it can make an enormous difference.

💛 Want to know what cover could look like for you and what it might cost? Drop me a message and we can have a no-pressure chat.

05/08/2026

This is one phone call I’ve never forgotten.

A client contacted me because they needed to make a claim on a protection policy.

The difficult part?

It was a policy I had previously quoted for them, but they had decided not to go ahead with it.

There was nothing I could do.

And conversations like that are exactly why I talk about protection so much.

When you're arranging a mortgage, life insurance, critical illness cover or income protection can feel like another expense. Something you'll sort out later. Something you hopefully won't ever need.

But none of us knows what's around the corner.

Protection isn't about expecting something bad to happen. It's about asking yourself:

If something did happen, how would I or my family cope financially?

You can always decide that protection isn't right for you, but make that decision knowing what the consequences could be.

💛 If you've been meaning to review your protection, or you're not sure whether the cover you already have is enough, drop me a message. We can have a straightforward, no-pressure conversation about it.

Address

Milton Keynes

Website

http://www.newellmortgageservices.co.uk/, https://outlook-sdf.office.com/bookwithme/user/c81d22c5969a44d8ad1638d292d6b45

Alerts

Be the first to know and let us send you an email when Cara Delemere - Newell Mortgage Services posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Cara Delemere - Newell Mortgage Services:

Want your business to be the top-listed Finance Company in Milton Keynes?