Mckinnon Mortgages Limited - Mortgage & Insurance Advisors

Mckinnon Mortgages Limited - Mortgage & Insurance Advisors Mckinnon Mortgages and Primis are not responsible for the service received. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.

Tailored Advice on Resi & Investment Mortgages Life, Critical Illness, Income Protection, Home & Landlords Insurance. 2nd Charges & Commercial Loans are referred to a third party. We are Mortgage & Insurance Advisors working under the the PRIMIS Mortgage Network offering a range of services for mortgages, life, critical illness, income protection and buildings & contents insurance. We have an exte

nsive panel of mortgage and insurance providers to enable us to assist with your needs. We can discuss your needs and circumstances in a method that is more suitable to you, face to face, telephone or video links. We are partnered with the local estate agent Bella Properties to offer you more services for buying, selling and letting as well as having recommendations for solicitors and property surveys to give you as much support as you require. Mobile Number: 07871895309 / 01724 337697
Email Address: [email protected]
Registered Network Principal Office Address: 3 St Mary's Court, Blossom Street, York, YO24 1AH
Trading at: Bella Properties 21 Dunstall Street, Scunthorpe, DN15 6LD

McKinnon Mortgages Limited is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd. Business Registered in England & Wales. Registered company number 15716322

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. There is normally a charge for mortgage advice. The amount of fee will vary dependent upon your needs and circumstances. This will be discussed and agreed with you at the earliest opportunity. SOCIAL MEDIA POSTS ARE AIMED AT UK CUSTOMERS ONLY.

17/06/2026

Ever wondered why there are so many different “home insurance” types — and whether you actually need all of them?

On the surface they sound interchangeable: home insurance, landlord insurance, building insurance, contents insurance… But each one protects a different “layer” of a property — and getting them mixed up can leave you either overpaying or seriously underinsured.

Here’s a clear breakdown.

16/06/2026

⚖️ The Simple Difference

If you strip everything back:

Life insurance → pays when you die
Critical illness → pays if you survive a serious illness
Income protection → pays while you’re unable to work

They’re not competing products — they actually cover different risks in life.

🧠 Why people get confused

They overlap in one key way: they all deal with “bad things happening.”

But the timing is different:

Life insurance = after death
Critical illness = diagnosis of certain conditions
Income protection = ongoing inability to earn

A person could realistically claim on all three at different times in life, or none at all.

🏡 Real-life example

Imagine someone in their 30s:

They get cancer → critical illness pays a lump sum
They are off work for a year → income protection pays monthly
If they pass away → life insurance pays family

Each one activates in a different scenario.

💡 Final thought

Insurance isn’t about expecting the worst — it’s about making sure one problem doesn’t turn into a financial collapse.

Most financial stress doesn’t come from the illness itself, but from:

lost income
ongoing bills
long recovery times

That’s why understanding the difference matters — it helps you avoid paying for the wrong cover, or worse, having a gap when you actually need support.

16/06/2026

💼 Income Protection — “What if I can’t work for months or years?”

This is often the most valuable — and most overlooked — type of cover.

Income protection pays you a regular monthly income if you’re unable to work due to illness or injury.

Unlike critical illness, it’s not about specific diseases. It’s about your ability to earn.

What it’s for:
Replacing your salary if you’re off work long-term
Covering everyday bills (rent, food, utilities)
Providing stability during long recovery periods
Key features:
Can pay until you recover, retire, or the policy ends
Usually has a waiting period before payments start (e.g., 1–6 months)
Designed to mimic a portion of your salary (often ~50–70%)

👉 Think of it as: a replacement paycheck when you can’t work

16/06/2026

🏥 Critical Illness Cover — “What if I survive a serious diagnosis?”

Critical illness insurance pays out a tax-free lump sum if you’re diagnosed with a specified serious illness listed in the policy.

Common illnesses include:

Cancer (depending on type/severity)
Heart attack
Stroke
Multiple sclerosis
What it’s for:
Paying off debt while you recover
Funding private treatment or specialist care
Making home adjustments (wheelchair access, etc.)
Giving you breathing space if you can’t work
Important limitation:

It only pays out if your illness matches the policy definition — and once it pays, the cover usually ends.

👉 Think of it as: a financial cushion after a major diagnosis

16/06/2026

🧾 Life Insurance — “What happens to others if I’m gone?”

Life insurance is the simplest concept, but also the most misunderstood.

It pays out a lump sum when you die (or sometimes if you’re diagnosed with a terminal illness, depending on the policy). That money goes to your chosen beneficiaries — partner, children, family — to help them financially after you’re gone.

What it’s for:
Paying off a mortgage
Replacing your income for dependants
Covering childcare or education costs
Helping your family maintain their lifestyle
What it doesn’t do:
It doesn’t help you if you get sick and survive
It doesn’t replace lost income while you’re alive

👉 Think of it as: financial protection for your loved ones if you die too soon

16/06/2026

Most people only start comparing insurance policies when something in life changes — having kids, buying a home, getting sick, or becoming self-employed. And at that point it can feel like you’re being handed three different “versions” of protection that sound similar but actually do very different jobs.

Here’s a clear way to understand the big three: life insurance, critical illness cover, and income protection.

15/06/2026

We hope you’ve all had a lovely weekend in the sunshine ☀️

We’re back in the office today, working through emails and messages and catching up on everything that came in over the weekend.

We’ll be chasing solicitors and lenders for the latest updates and will be in touch as soon as we have any news to share with you.

We’ve also seen some recent rate reductions, which we’ll be reviewing carefully to see how they may benefit you.

Thanks for your patience and trust — we’ll keep you updated as things progress.

Book an appointment to get some advise from us...

We offer mortgage advice for anyone wanting to buy in the UK, Scotland, and Wales, and we offer various methods of appointments that suit you.

📞 07871895309
📧 [email protected]

🏡 Buy To Let Mortgages 🏡Thinking about becoming a landlord?Come see me for clear, honest advice on buy-to-let mortgages ...
13/06/2026

🏡 Buy To Let Mortgages 🏡

Thinking about becoming a landlord?
Come see me for clear, honest advice on buy-to-let mortgages — I’ll help you understand your options and what to expect. 🏡💬

Don't compare yourself with friends and family and do what's right for you, so why don't you get booked in for your free assessment.

We offer mortgage advice for anyone wanting to buy in the UK, Scotland, and Wales, and we offer various methods of appointments that suit you.

📞 07871895309
📧 [email protected]



** Your home may be repossessed if you do not keep up with the repayments

🏡 Started A New Job 🏡Started a new job? you may still be eligible for a mortgage.Lenders consider factors like your cont...
13/06/2026

🏡 Started A New Job 🏡

Started a new job? you may still be eligible for a mortgage.
Lenders consider factors like your contract type, probation period, and income stability...

🏡 As long as you have a signed employment contract dated within the next 3 months.
🏡 The contract must show your start date, contract type and salary. Then pending income can be used for affordability purposes.
🏡 One payslip? No Problem! a lender will want to see your contract to back up your payslip.
🏡 Usually lenders prefer little to no gaps in employment history, if there is gaps they will ask for an explanation.

Book an appointment to get some advise from us...

We offer mortgage advice for anyone wanting to buy in the UK, Scotland, and Wales, and we offer various methods of appointments that suit you.

📞 07871895309
📧 [email protected]



** Your home may be repossessed if you do not keep up with the repayments

If your looking to sell or know anyone looking to sell in the Brentwood/Essex area drop my friend a message. Quote MCKIN...
12/06/2026

If your looking to sell or know anyone looking to sell in the Brentwood/Essex area drop my friend a message. Quote MCKINNON for a discount on selling fees

T&C's apply. Message for details.

Your home may be repossessed if you do not keep up with the repayments

Address

Scunthorpe

Telephone

+447871895309

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