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LeadFinance Our financial advisers have access to one of the largest financial product databases in the UK. We will find you the best and latest personalised deals.

What type of protection insurance you need will depend on several factors. To get you started here are four types of cov...
22/01/2021

What type of protection insurance you need will depend on several factors. To get you started here are four types of cover you could get and what it does include:

1. Income protection insurance (IPI) - pays an income when accident or illness prevents you from earning a living by carrying out your normal occupation. It is usually between 50 and 65% of your usual income before the event.
2. Accident, sickness and unemployment (due to redundancy) (ASU) - is usually designed to cover mortgage repayments for up to two years.
3. Critical illness cover (CIC) - is restricted to specific condition (cancers etc.) and is paid as a lump sum (one payment) which may not cover outgoings over longer term.
4. Private medical insurance (PMI) - only covers costs directly related with medical treatment.

To summarise, if you wanted to make sure that all your essential outgoings are met if you are unable to work medium to long term, then option 1 is your best choice.

Message us for a quick chat to discuss your specific circumstances.

I&M team

Are you currently looking for a mortgage? With the current economic situation lenders are becoming increasingly reluctan...
21/01/2021

Are you currently looking for a mortgage?
With the current economic situation lenders are becoming increasingly reluctant to offer loans with less than 10% deposit and aiming for more of 15% and upwards. Meaning instead of paying £20k on a £200k mortgage you will need at least £30k deposit.
Self-employed are particularly at risk here as lenders are asking up to 40% deposit with employed and contractors in a much better position to command lower deposit percentages.
Get in touch to see what we can do for you right now.

What is a mortgage?A loan taken out to purchase property or land and usually runs for 25 years, however it can be longer...
21/01/2021

What is a mortgage?

A loan taken out to purchase property or land and usually runs for 25 years, however it can be longer or shorter depending on your circumstances. The lender can repossess (take back) your home if you do not keep up with repayments as the loan is secured against the value of your home until is paid off.

21/01/2021

Welcome to our site! Our goal is to help as many people as we can with their finances and protection of their loved ones, businesses and their assets.
Looking forward to providing value to your lives!

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