Kristen Loftus - Independent Mortgage Broker l Mortgage Sure LTD

16/09/2026

Why Do You Need An Adviser To Choose Your Protection?

You wouldn’t necessarily choose a mortgage by picking the first one you see. So why choose your personal protection that way? There isn’t a “one policy fits everyone” approach.

An adviser can help you understand:

❤️ Life Cover – How much your family might actually need and for how long.

🩺 Critical Illness Cover – What conditions are covered, how they’re defined and what the policy could pay out for.

💷 Income Protection – How much of your income could be protected, when payments could start and how long they could continue.

🔍 The small print matters.

Two policies can look similar on the surface but have very different definitions, exclusions, benefits and underwriting. And then there’s your personal circumstances: your income, family, debts, health, occupation and future plans.

A good adviser doesn't just ask: “How much cover do you want?”

They ask: 👉 “What are you actually trying to protect?”

Because choosing the cheapest policy isn't always the same as choosing the right policy.

💡 Protection is too important to leave to guesswork.

👉 Please get in touch to explore your options. (insert contact details)

Email
[email protected]

Phone / Whatsapp
07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

06/09/2026

🎒 Back to School. Back to Protection.

September is a time for fresh starts, new routines and planning for the year ahead. 📚

But while you're budgeting for uniforms, clubs, childcare and everything else the new school year brings, have you thought about protecting the income that pays for it all?

❤️ Life Cover – Could your family afford the mortgage and maintain their lifestyle if you died?

🩺 Critical Illness Cover – Would you have a financial cushion if you were diagnosed with a covered serious illness?

💼 Income Protection – If illness or injury stopped you working, how would you keep paying the household bills?

Your income helps provide the home, opportunities and lifestyle your family enjoys.

Don't just plan for the year ahead, protect it. 🛡️

📞 Now is a great time to review your personal protection. Get in touch today to see whether your existing cover is still right for you and your family.

Email

[email protected]

Phone / Whatsapp

07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

01/09/2026

💼 Self-employed? Your income is your business’s biggest asset

If you're self-employed, what happens when you can't work?

Unlike employees, you don't receive Statutory Sick Pay. That means if illness or injury keeps you away from work, your income could stop, but your financial commitments won't.

🏠 Mortgage or rent

💡 Household bills

🚐 Vehicle and business costs

🛒 Everyday living expenses

👨‍👩‍👧 Family commitments

For employees, eligible workers can receive up to £123.25 a week in Statutory Sick Pay from April 2026.

For the self-employed?

£0 SSP.

That's why Income Protection can be particularly valuable for self-employed clients.

💷 It can provide a regular monthly income if illness or injury means you're unable to work, helping you continue to meet your financial commitments while you recover.

You are the engine behind your business. If you can't work, what protects your income?

📞 Don't leave your biggest financial asset unprotected. Speak to us about Income Protection and find out how much of your income you could protect.

Email
[email protected]

Phone / Whatsapp
07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

27/08/2026

🏡 Mortgage deal ending in 2027? Let’s chat now.

Why so early?

Because when your current mortgage deal is coming to an end, it can be tempting to simply wait for your lender to contact you and choose one of the options they offer.

But how do you know that's the right option for you?

I like to start speaking to my clients around 6 months before their deal ends.

That gives us time to:

🔎 Review your current mortgage and circumstances

📊 Look at what's happening across the wider mortgage market

⏰ Know exactly when we can start securing your next deal – this varies by lender and can often be around 3–4 months in advance

🤝 Compare your options rather than simply accepting what your existing lender offers

And what if you've never used me before?

That doesn't matter.

One meeting gives me the information I need to understand your circumstances and carry out a full market review when the time is right.

And hopefully, that first meeting is the start of a long relationship.

You'll become part of my client bank, so going forward I'll be the one keeping an eye on things – contacting you ahead of your next mortgage review, providing market updates and giving you honest advice about your options.

Your lender knows their products.

I get to know you and review the market for you.

📅 Mortgage ending in 2027? Let's start the conversation now.

Email
[email protected]

Phone / Whatsapp
07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

17/08/2026

🏡 Good news for fixed-term contract workers!

One of the UK’s largest mortgage lenders has changed the way it assesses certain applicants on fixed-term employment contracts 🙌

If you’re currently working on a fixed-term contract and fall into one of the following categories, you can now be assessed under the lender’s standard employment criteria:

👩‍⚕️ Medical doctors

👨‍🏫 Teachers (excluding supply teachers and teaching assistants)

🌍 UAE residents with a total contract duration of 3+ years

This could make getting a mortgage more straightforward for people who previously faced additional criteria because of their employment contract.

💬 On a fixed-term contract and wondering what your mortgage options look like?

Drop us a message and we can take a look at your circumstances and the lenders that may be available to you.

Email
[email protected]

Phone / Whatsapp
07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

14/08/2026

🤔 How Much Protection Cover Do I Need?

It's one of the most common questions we hear, and the honest answer is...

It depends on you.

Everyone's circumstances are different, but when thinking about protection, ask yourself:

🏡 If you weren't here tomorrow, could your family afford to stay in their home?

💷 If you couldn't work because of illness or injury, how would you pay your monthly bills?

🩺 If you were diagnosed with a serious illness, would you have enough money to focus on your recovery without financial worry?

The right amount of protection should reflect your lifestyle, financial commitments and the people who rely on you.

Whether it's Life Cover, Critical Illness Cover or Income Protection, having the right cover in place can provide valuable financial security when it's needed most.

📞 Not sure if you have enough cover? Get in touch today for a protection review. We'll help you understand your options and make sure your cover is right for your needs.

Email
[email protected]

Phone / Whatsapp
07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

09/08/2026

Buying a home? Don't forget these costs...

Saving for your deposit is a huge milestone, but it's only one part of the budget when buying your home.

Before you get the keys, it's worth planning for a few other costs too, including:

✔️ Solicitor fees

✔️ Building Survey costs

✔️ Mortgage broker fees

✔️ Mortgage lender and valuation fees (where applicable)

✔️ Stamp Duty (if payable)

✔️ Buildings & Contents insurance

✔️ Removal costs

✔️ Furniture, decorating and those little extras that soon add up

Knowing what to expect from the start can make your home-buying journey much less stressful, and as a mortgage broker, I'm here to help you understand the full cost of buying a home, not just the mortgage, so you can budget with confidence from day one.

📩 Thinking about buying your first home or moving house? Get in touch and let's make sure you're fully prepared.

Email
[email protected]

Phone / Whatsapp
07467026054

YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES.

Insurance review are done via a Mortgagesure team member

Mortgage Sure Ltd is an appointed Representative of The Right Mortgage Limited , which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with company number 09351839. Registered Address: Merlin House, Priory Drive, Newport, Gwent, NP18 2HJ.

05/08/2026