Individual Insurance
How would your family cope if you were to die or have a critical illness? Death, illness or redundancy can be devastating on your family. Many people don’t like to think about death or serious illness and even if they do, they’ll say they don’t need protection because, “It’ll never happen to me”.
But with the right protection in place, you and your family need not worry about your finances. None of us know what life may bring, so whilst our lives are going well, we should ensure that we put effective plans in place in case that should change.
With access to the UK’s leading insurance providers, all of the Yes Mortgage Services Mortgage Advisors and our Specialist Protection Advisor can assist you to in determining which types of protection (insurance) cover best suits your personal needs, and compare insurance quotes to ensure that you get the right level of cover, at the best price. They will also complete all the necessary application forms, removing the time and hassle from you.
Below we explain what the various personal protection insurances cover you for but life insurance and critical illness cover should be at the top of your list when thinking of insurance priorities. Surprisingly, protecting yourself and your family may not be as expensive as you might think.
What do the Various Protection Insurances Cover You For:
Life Insurance
Life insurance, sometimes referred to as term insurance or life assurance will provide a sum of money in the event of death during the term of the policy. This cash lump sum is paid tax free and can be used by your dependents however they choose.
Critical Illness
Critical illness insurance will provide a tax free cash sum in the event that you are diagnosed with one of a set list of critical illnesses (most policies cover 30-40) where your diagnosis meet the providers definition.
Critical Illness protection is there to provide financial stability at a time that it is needed the most, it could be used to clear a mortgage or it could be used to replace a lost income, pay for private treatment or for whatever else you feel is required.
Income Protection Insurance
Income Protection Insurance, can also be called Mortgage Payment Protection and Accident and Sickness Protection – is designed to pay you a monthly income to help replace any lost income, should you not be able to work due to accident or sickness.
Family Income Protection
Family income benefit is a type of life insurance, that provides beneficiaries with a regular, fixed, tax-free until the end of the policy term, as chosen at the outset by the policyholder. It is an alternative to level term insurance, it aims to replace the lost income if the person insured dies. Level term insurance pays out a one off lump sum if the person insured dies. Family income benefit pays a monthly income instead.
No benefit is issued if a claim has not been made before the policy expires.
Whole of Life
Whole-of-life insurance is designed to pay out a lump sum to your loved ones when you die. It is designed to last designed to last as long as you do. You pay in a premium every month and when you die, the policy pays out a lump sum to your loved ones. These funds could be used to any Inheritance Tax liabilities, cover funeral costs or provide funds to pay for care costs.
Flexibility of appointments. In the same way our Mortgage Advisors offer a range of flexible appointment times and locations, that work for you including telephone or face to face meetings, this extends across to our Protection Insurance services.
Our advisor will also complete all the necessary application forms, removing the time and hassle from you.
Our guidance, advice and work to secure you a quote for your insurance and protection cover is completely free and with no obligation, so contact us today.
Read some of our blogs specifically about Personal Protection Insurances
DOWNLOAD THE LATEST COPY OF OUR MORTGAGE AND PROPERTY MAGAZINE
There are so many types of insurance out there 🤯 It can be hard to know what type of protection is needed for you and your family. But we`re here to help.
Here`s how it works:
1. We`ll have a chat to really get a good idea of who you are, your lifestyle, your dependants and your plans.
2. We`ll analyse the information you`ve given us to determine the kind of policies suitable for you.
3. We`ll search all the available protection policies from the UK’s top insurers and make a shortlist of those that provide the right cover for your needs.
4. We`ll guide you through the shortlist and answer any questions you might have. If you want to proceed, we`ll deal with the insurers on your behalf to get your policies in place.
Check out the link in our bio for more information, or call us on 0800 612 5596 for a chat.
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
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#insurancebroker #homeinsurance #lifeinsurance #contentsinsurance #incomeprotection #criticalillnesscover #buildingsinsurance
There are so many types of insurance out there 🤯 It can be hard to know what type of protection is needed for you and your family. But we`re here to help.
Here`s how it works:
1. We`ll have a chat to really get a good idea of who you are, your lifestyle, your dependants and your plans.
2. We`ll analyse the information you`ve given us to determine the kind of policies suitable for you.
3. We`ll search all the available protection policies from the UK’s top insurers and make a shortlist of those that provide the right cover for your needs.
4. We`ll guide you through the shortlist and answer any questions you might have. If you want to proceed, we`ll deal with the insurers on your behalf to get your policies in place.
Check out the link in our bio for more information, or call us on 0800 612 5596 for a chat.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#insurancebroker #homeinsurance #lifeinsurance #contentsinsurance #incomeprotection #criticalillnesscover #buildingsinsurance
Let`s dive into some of the benefits of switching to a new mortgage:
👉🏻 Remortgaging can allow you to take out a new loan with lower monthly repayments, reducing your outgoings and making your home 🏡 more affordable.
👉🏻 Remortgaging might mean you find a loan you could pay off more quickly ⏱, through making larger monthly repayments.
👉🏻 If your home has increased considerably in value since you took out your original mortgage 💰, you could now be enjoying a lower rate of interest.
👉🏻 If you need to borrow money for, say, home improvements 🔨or to buy a new car 🚘, or you’d like to consolidate your loans, remortgaging can allow you to do it.
Our Mortgage Advisors can evaluate your unique situation, helping you to make an informed decision on costs and savings. We`ll do the paperwork for you and we`ll be there to decipher the jargon and answer any questions you might have.
Oh and did we mention we don`t charge a broker fee! 🤩
Send us a DM or call us on 0800 612 5596 to chat to one of our mortgage advisors.
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #mortgagetips
Let`s dive into some of the benefits of switching to a new mortgage:
👉🏻 Remortgaging can allow you to take out a new loan with lower monthly repayments, reducing your outgoings and making your home 🏡 more affordable.
👉🏻 Remortgaging might mean you find a loan you could pay off more quickly ⏱, through making larger monthly repayments.
👉🏻 If your home has increased considerably in value since you took out your original mortgage 💰, you could now be enjoying a lower rate of interest.
👉🏻 If you need to borrow money for, say, home improvements 🔨or to buy a new car 🚘, or you’d like to consolidate your loans, remortgaging can allow you to do it.
Our Mortgage Advisors can evaluate your unique situation, helping you to make an informed decision on costs and savings. We`ll do the paperwork for you and we`ll be there to decipher the jargon and answer any questions you might have.
Oh and did we mention we don`t charge a broker fee! 🤩
Send us a DM or call us on 0800 612 5596 to chat to one of our mortgage advisors.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #mortgagetips
Our expert team have access to a comprehensive panel of lenders, ensuring we find the right mortgage solution tailored to your needs.
We`ll guide you every step of the way, answering your questions and making the process as painless as possible. But don`t just take our word for it, here`s what Bella had to say:
"The service Andy provided was flawless. Andy is super efficient, extremely knowledgeable & personable. He was always available to answer any questions I had throughout the process & helped me get the best mortgage possible allowing me to buy my new home.
Thank you so much Andy for all your help, advice & support."
Want to see more? Tap the link in our bio.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists
Our expert team have access to a comprehensive panel of lenders, ensuring we find the right mortgage solution tailored to your needs.
We`ll guide you every step of the way, answering your questions and making the process as painless as possible. But don`t just take our word for it, here`s what Bella had to say:
"The service Andy provided was flawless. Andy is super efficient, extremely knowledgeable & personable. He was always available to answer any questions I had throughout the process & helped me get the best mortgage possible allowing me to buy my new home.
Thank you so much Andy for all your help, advice & support."
Want to see more? Tap the link in our bio.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#mortgageadvisor #nobrokerfee #dorset #dorsetbusiness #ukmortgages #mortgagespecialists
Upsizing can be expensive, so it`s crucial to know your budget and what kind of property you can actually afford.
When it comes to mortgages, it may be tempting to stick with your current lender, but it`s wise to explore your options. Because shopping around can pay off big time!
Even a mortgage with slightly better terms could save you thousands down the road or provide you with more flexible and affordable ways to pay it off ahead of time.
If you`d like to discuss your mortgage options with one of our experts, give us a call on 0800 612 5596. We don`t charge a broker fee!
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#upsizing #movinghome #devonproperty #savingmoney #mortgagebroker
Upsizing can be expensive, so it`s crucial to know your budget and what kind of property you can actually afford.
When it comes to mortgages, it may be tempting to stick with your current lender, but it`s wise to explore your options. Because shopping around can pay off big time!
Even a mortgage with slightly better terms could save you thousands down the road or provide you with more flexible and affordable ways to pay it off ahead of time.
If you`d like to discuss your mortgage options with one of our experts, give us a call on 0800 612 5596. We don`t charge a broker fee!
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#upsizing #movinghome #devonproperty #savingmoney #mortgagebroker
Just look at those smiley faces! We love keeping our fingers on the pulse, and last month was no exception.
Our compliance company runs conferences and roadshows that allow us to meet with lenders and stay up to date on all things mortgages. It enables us to continue being experts in helping you find the right mortgage for you!
Because our team`s scattered across the South West some went to Southampton and some to Bristol. Here`s Kelly, Michael and Ashley enjoying the Southampton roadshow!
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#southampton #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #hlpartnership #nobrokerfee
Just look at those smiley faces! We love keeping our fingers on the pulse, and last month was no exception.
Our compliance company runs conferences and roadshows that allow us to meet with lenders and stay up to date on all things mortgages. It enables us to continue being experts in helping you find the right mortgage for you!
Because our team`s scattered across the South West some went to Southampton and some to Bristol. Here`s Kelly, Michael and Ashley enjoying the Southampton roadshow!
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#southampton #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #hlpartnership #nobrokerfee
🏡 Ready to build your dream home? You`ll need a self-build mortgage that`s right for you...
With most self-build mortgages, the money is paid out after each stage of completion. But did you know that some self-build mortgages release the money required at the start of each stage?
This is particularly useful if you don`t have the cash up front to pay your builders or buy materials.
Interest rates on self-build mortgages tend to be higher than on standard mortgages, so it`s important to shop around before you decide which mortgage is right for you.
Let us help you find the right self-build mortgage to make your dream home a reality!
Send us a message, or give us a call on 0800 612 5596
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#selfbuildjourney #buildingourhome #buildingahouse #selfbuildhomes #housegoals #selfbuilduk #newbuildjourney #mortgagebroker #mortgagetips #southcoastuk
🏡 Ready to build your dream home? You`ll need a self-build mortgage that`s right for you...
With most self-build mortgages, the money is paid out after each stage of completion. But did you know that some self-build mortgages release the money required at the start of each stage?
This is particularly useful if you don`t have the cash up front to pay your builders or buy materials.
Interest rates on self-build mortgages tend to be higher than on standard mortgages, so it`s important to shop around before you decide which mortgage is right for you.
Let us help you find the right self-build mortgage to make your dream home a reality!
Send us a message, or give us a call on 0800 612 5596
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#selfbuildjourney #buildingourhome #buildingahouse #selfbuildhomes #housegoals #selfbuilduk #newbuildjourney #mortgagebroker #mortgagetips #southcoastuk
We`ll help you navigate every stage of finding and applying for a mortgage, including all the paperwork! Leaving you to enjoy the experience of buying your new home 💫
The best bit? We don`t charge a broker fee!
Send us a DM or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
We`ll help you navigate every stage of finding and applying for a mortgage, including all the paperwork! Leaving you to enjoy the experience of buying your new home 💫
The best bit? We don`t charge a broker fee!
Send us a DM or give us a call on 0800 612 5596.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homebuyer #movinghouses #homebuyingprocess #homebuyersguide #housemovers #buyingahome #ukproperty
Life can get pretty busy, so we offer out-of-hours appointments that work for you. Whether it`s an evening or a weekend, in person or over the phone, we`re here when you need us.
Tap the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#wellingtonsomerset #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
Life can get pretty busy, so we offer out-of-hours appointments that work for you. Whether it`s an evening or a weekend, in person or over the phone, we`re here when you need us.
Tap the link in our bio to learn more.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#wellingtonsomerset #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
Although a mortgage is a long-term financial commitment, you don’t have to stay with the same product or lender for the whole term.
In fact, you should regularly review your mortgage, making sure it`s still suitable for your needs and the rate remains competitive.
We can help you assess whether things have changed since you took your original mortgage or are likely to change in the future. And offer advice on the suitability of your current mortgage.
Send us a DM or call us on 0800 612 5596 to chat to one of our mortgage advisors.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #mortgagetips
Although a mortgage is a long-term financial commitment, you don’t have to stay with the same product or lender for the whole term.
In fact, you should regularly review your mortgage, making sure it`s still suitable for your needs and the rate remains competitive.
We can help you assess whether things have changed since you took your original mortgage or are likely to change in the future. And offer advice on the suitability of your current mortgage.
Send us a DM or call us on 0800 612 5596 to chat to one of our mortgage advisors.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#homeownerlife #homeownertips #mortgageuk #mortgageadvice #mortgageexperts #mortgagetips
While contents insurance might offer some protection for items away from home, it`s usually limited and doesn`t cover all losses.
That`s where Personal Possessions Insurance comes in - typically offering full-value protection for things like phones, laptops, headphones, and cameras, no matter where you are.
Unsure what your current policy covers? Give Kelly, our insurance advisor, a call. She`ll review your policy and make sure you`re fully protected. And if you need additional coverage, she`ll help you find the right fit for your needs.
...
#personalpossessionsinsurance #contentsinsurance #homeownerhacks #insurancetips #insurancebroker #dorsetlife
While contents insurance might offer some protection for items away from home, it`s usually limited and doesn`t cover all losses.
That`s where Personal Possessions Insurance comes in - typically offering full-value protection for things like phones, laptops, headphones, and cameras, no matter where you are.
Unsure what your current policy covers? Give Kelly, our insurance advisor, a call. She`ll review your policy and make sure you`re fully protected. And if you need additional coverage, she`ll help you find the right fit for your needs.
...
#personalpossessionsinsurance #contentsinsurance #homeownerhacks #insurancetips #insurancebroker #dorsetlife
Meet Andrew (a.k.a. The Boss)
With a 25-year career in the British Army, Andrew launched YES Mortgage Services in 2014.
No stranger to the beautiful South Coast, Andrew bought his first house in Bovington and has called it home ever since. Now, he`s helping others get onto the property ladder from our Main Office in Mannington!
When he`s not hard at work, Andrew is a family man – happily married to Amanda and proud father of James and Jacob.
Their weekends are filled with exciting family adventures and cheering on their favourite rugby teams. As a die-hard fan, Andrew eagerly awaits the Army v Navy match every year!
With his extensive knowledge and passion for all things mortgage, Andrew helps make the process stress-free and easy to understand.
Meet the rest of our team via the link in our bio.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
Meet Andrew (a.k.a. The Boss)
With a 25-year career in the British Army, Andrew launched YES Mortgage Services in 2014.
No stranger to the beautiful South Coast, Andrew bought his first house in Bovington and has called it home ever since. Now, he`s helping others get onto the property ladder from our Main Office in Mannington!
When he`s not hard at work, Andrew is a family man – happily married to Amanda and proud father of James and Jacob.
Their weekends are filled with exciting family adventures and cheering on their favourite rugby teams. As a die-hard fan, Andrew eagerly awaits the Army v Navy match every year!
With his extensive knowledge and passion for all things mortgage, Andrew helps make the process stress-free and easy to understand.
Meet the rest of our team via the link in our bio.
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
...
#bournemouthbusiness #southcoastuk #mortgagebroker #mortgageuk #mortgagespecialists #nobrokerfee
More and more investors are deciding to buy properties within a Limited Company to keep things tax efficient.
But when it comes to refinancing or purchasing a new investment property, the process of getting a mortgage can feel challenging.
But not anymore!
Our Specialist Mortgage Advisors know which Mortgage Lenders are used to working with Limited Company Buy to Let portfolios. They`ll find you the most suitable deal and save you time and money by managing your mortgage application from start to finish.
Visit our website to learn more (🔗 in bio)
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Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
Before pursuing Limited Company Buy To Let we recommend you seek advice from a tax expert.
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#buytolet #mortgageadvice #mortgagebroker #propertyinvestment #limitedcompanybuytolet #propertyinvesting #buytoletmortgage
More and more investors are deciding to buy properties within a Limited Company to keep things tax efficient.
But when it comes to refinancing or purchasing a new investment property, the process of getting a mortgage can feel challenging.
But not anymore!
Our Specialist Mortgage Advisors know which Mortgage Lenders are used to working with Limited Company Buy to Let portfolios. They`ll find you the most suitable deal and save you time and money by managing your mortgage application from start to finish.
Visit our website to learn more (🔗 in bio)
...
Your property may be repossessed if you do not keep up repayments on your mortgage. Yes Mortgage Services Limited do not charge a broker fee.
Before pursuing Limited Company Buy To Let we recommend you seek advice from a tax expert.
...
#buytolet #mortgageadvice #mortgagebroker #propertyinvestment #limitedcompanybuytolet #propertyinvesting #buytoletmortgage
