Craig Mortgage Advice

17/06/2026

Most people don’t realise their mortgage adviser can also be one of the best people to speak to about life insurance, critical illness cover and income protection.
As a whole-of-market adviser, I can help arrange standalone protection cover, whether you have a mortgage or not, with advice tailored to your circumstances, needs and budget.
Last week, I helped a client put life, serious illness and income protection cover in place to protect his household if he died, became seriously ill or was unable to work.
That is the value of proper advice — not just the cheapest policy, but the right cover.
Protection advice is free and without obligation.
Get in touch if you would like to review your options.
FinancialSafetyNet

16/06/2026

Most people don't realise that the best person to obtain advice for Income Protection and Life Insurance is quite often your mortgage adviser. You should of course ensure that they have whole of market access and do not load the premiums.

I have many clients who have come to me for standalone advice for income protection and life or critical illness cover, young, old, with or without a mortgage. The real benefit of using a whole market adviser is that not only can I arrange a policy with any of the main UK providers, it is also a fully advised service. This means matching your circumstances and requirements to the right provider and also the right cover.

Last week, I arranged life, critical illness and income protection cover for a high income client, looking to protect his household and provide a financial safety net, in the event of his death or being unable to earn an income. This was important as he was the main income earner.

I introduced him to a provider that also offers serious illness cover which covers up to 178 different serious illnesses, paying out a lump sum for a successful claim. Most critical illness providers do not cover less serious illnesses and my client would not have known about this type of protection had he not had a consultation, which is free of charge and without obligation.

What I aim to do is provide options that meet your needs and also your budget. If you would like to know more, please get in touch.

08/06/2026

After months in the preparation, Big Business North Wales has been and gone. A huge event with local and national businesses showcasing their brand, products and services at Venue Cymru, Llandudno.

It was great to meet new people and also catch up with the many people that I have met since launching full time into mortgage advising in 2025.

Not many pics but a truly great day.

08/06/2026

I help clients across North Wales to secure finance for property purchases. If you are a first time buyer, home mover or property investor, I can provide whole of market advice and guidance that is tailored to your specific situation.

https://craigmortgage.co.uk/booking/

08/06/2026

Whole of market, I can source a mortgage for multiple scenarios from a wide panel. Complex income, complex circumstances, complex property. A common complexity is being self employed for less than 2 years, multiple income sources, short time in current job, short time in UK. All situations that I can help you with.

07/06/2026

Did you make it to Venue Cymru on Friday 5th June for Big Business North Wales?

06/06/2026

This week I helped a client navigate the mortgage process, and what initially looked like a straightforward case quickly became much more complex.

A few missed payments from around two years ago might not seem like a big issue, but they can make a real difference.

Even at Decision in Principle stage, lenders will check your credit profile against their own criteria. A small number of missed payments can make it more challenging, particularly if you are hoping to secure a high street rate.

This is where the value of using a broker really comes through.

Once I understand the full picture, I can approach the right lender — one that is more likely to accept your application based on your actual circumstances.

That can save time, reduce stress, help avoid unnecessary declines, and give you a Decision in Principle that actually means something.

It can also put you in a much stronger position when looking for your next home.

If you are thinking of moving, buying your first home, or remortgaging, send me a WhatsApp, email me, or book an appointment through my website.

Send a message to learn more