Mortgage Protection - Protect Your Family's Financial Future
Mortgage Protection Covering Manchester & Liverpool
Mortgage Protection
Bell Financial Solutions help to provide mortgage protection in Altrincham, Manchester and Liverpool to protect your biggest asset.
Successfully navigate the mortgage protection minefield and avoid costly mistakes with support from one of our highly trained mortgage and protection advisers. The majority of your money is probably tied up in your home. So it’s well worth taking out mortgage protection to look after the people you love.
As regulated, CeMap-qualified mortgage advisers, we’re legally bound and have a moral duty of care to ensure you have the right protections in place. We do this by building a detailed picture of your personal circumstances through our in-depth consultation. And we use this insight to find the most suitable mortgage protection options and prices for you. Giving you complete peace of mind that your loved ones will be cared for no matter how life turns out.
We cover the following areas for mortgage protection; Manchester, Liverpool, Altrincham, Urmston, Wilmslow, Sale, Stockport, and the surrounding areas.
Common Types of Mortgage Protection
We review leading insurance providers’ products to recommend the right mix of protection for you. These could include any of the following:
- Mortgage Protection Against Illness or Injury
There are two types of mortgage protection insurance that provide financial security should you become ill or suffer an injury that prevents you from working. Critical illness cover pays out a lump sum on the diagnosis of certain serious illnesses. Income protection replaces part of your earnings until you can work again. - Mortgage Life Insurance
A lump sum payment for your loved ones should you or another named person die. Mortgage life insurance, linked to a mortgage, is another way to ensure a lump sum payout. - Mortgage Payment Protection
Peace of mind that your mortgage payments will be covered, usually for up to two years, should you fall ill, suffer an accident or be made unemployed. - Buildings and Contents Insurance
An easy and efficient way to sort out the cover for your new property and its contents.
At Bell Financial Solutions, we offer various financial solutions to make your mortgage journey as easy as possible. Whether you're buying a new home or remortgaging, our quick and simple online mortgage quote tool will provide a personalised quote in just a few clicks. It’s designed to consider important factors like your property’s purchase price, location within the UK, and even any adverse credit history you might have.
Based in Manchester, Bell Financial Solutions is a trusted mortgage broker with a strong customer-first approach. Our experienced, friendly team is dedicated to providing expert advice and helping you navigate the mortgage process smoothly. We know that every mortgaging situation is unique, which is why our calculator delivers a detailed quote tailored to your unique financial profile.
With a strong focus on customer service, we’re here to guide you every step of the way. Whether you’re a first-time buyer or looking to remortgage, you can count on our professional, experienced team to find the best mortgage options available to you – regardless of your credit history.
Once you’ve reviewed your mortgage quote, you can explore more of our services, including our other mortgage tools and calculators, or speak to one of our mortgage specialists for personalised advice.
Get started now by using our online mortgage quote tool, and take the next step toward securing your new home or refinancing your current one.
Still have questions?
Do I need to take out Mortgage protection with my mortgage lender?
You are free to seek independent advice and deal with your preferred provider when it comes to mortgage protection. Many of our clients choose to go ahead with mortgage protection with Bell Financial Solutions as we offer a complete service. After finding the most suitable mortgage deal that suits your circumstances, we can also explore all possible options with mortgage protection.
When should I arrange my mortgage protection insurance?
Great question. This is a commonly asked question that our clients ask us all the time. The best time to arrange your mortgage protection insurance and policy is usually after you have identified the dream property you wish to buy. It's also advisable to know how much your mortgage will be before proceeding with mortgage protection options.
Is mortgage protection mandatory?
Although mortgage protection isn't mandatory, we highly recommend that you consider and proceed with mortgage protection to protect your and your family's future. Mortgage protection gives you the peace of mind that if you find yourself out of work, you are protected to a certain degree. Although mortgage protection isn't a legal obligation, it can be a pre-condition for some lenders.
How much does mortgage protection cost?
Unfortunately, there is no definitive and standard answer to how much mortgage protection can cost. The cost of mortgage protection will depend on variable factors such as your monthly mortgage payments and type of mortgage i.e fixed-rate or variable-rate type mortgage.
What's the difference between life insurance vs mortgage protection?
There is a clear difference between life insurance and mortgage protection that should be clearly identified. With life insurance, this may be required if you are on a joint mortgage with at least one other party. Life insurance pays out a lump sum or instalment if you were to die which means that the other person on the joint mortgage can cope financially. On the other hand, mortgage protection doesn't protect you in the event of death but does protect you in the event of unemployment or redundancy.
Which type of mortgage protection do I need?
Bell Financial Solutions are here to help you select the most suitable type of mortgage protection for you and your family. Possible mortgage protection options include mortgage protection against illness or injury, mortgage life insurance, mortgage payment protection, and buildings and content insurance.
We’re all ears.
Let’s have a chat about what you need and how we can help.
