CPT Mortgages

CPT Mortgages

Life Insurance

Nobody likes thinking about dying and the consequences that brings for your family but when taking on such a large commitment as a mortgage it can not be ignored.

 

Most people if asked would they like to buy some life insurance would say no however if asked  would they want their mortgage repaid in full in the event of their death so their family could continue to live in the home without financial worries and the risk of losing their home would say a resounding yes.

What is it

Life insurance is designed to pay out a lump sum when the person insured dies. The cover provided on a Term Assurance Policy can be level, decreasing or increasing

Level Insurance

A level insurance would be used for a fixed need, for example an interest only mortgage where the loan does not decrease.

Decreasing Term

A decreasing term assurance is used where the liability it is protecting decreases, such as a repayment mortgage.

Increasing Term

An increasing term assurance is used where the cover needs to be protected against inflation for example to provide a lump sum for family needs.

Combined Cover

It is possible to have a combined Life and Critical Illness policy which would pay out once on the earliest of death or a critical illness occurring.

Options and Bolt Ons

There are numerous options and bolt ons which can be included depending on the insurance provider such as : Terminal illness benefit Health care helpline Guaranteed insurability And many more

Flexible Appointments

We understand in this modern world life is no longer 9-5 so we offer flexible appointments to suit your needs.

Our Advice

Our initial meeting is free of charge. There is no obligation to use our service. We will only charge if you decide to go ahead and use our services.

The right Mortgage

We will make a full assessment of your needs, priorities and goals and then recommend the right mortgage for you

The right Protection

Having gathered all the information about you, your circumstances and your home, we will provide advice and recommendation on the right protection for you.

Getting you there

We are not just here to arrange your mortgage and protection. We will support and guide you through the home buying process right up to the day you get your keys

The future

We will be here to provide you with help, guidance and advice from re-mortgaging to home moves in the future as your circumstances change.

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Insurance & Protection


If you are experiencing financial difficulty and struggling to make repayments, then you can contact your lender who may be able to help taking account of your individual circumstances.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

You may want to contact one of the free impartial money guidance and debt advice services such as StepChange, Citizens Advice, or Turn2Us.

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