CPT Mortgages

CPT Mortgages

Insurance and Protection

For many people when they are arranging their mortgage it is the only time they look at their insurance needs. Not everyone can afford or is prepared to insure themselves against every risk. Insurance should not be seen as a nice to have but a vital part of your mortgage arrangements. For these reasons it is crucial you have expert advice from us about the right protection package to meet both your goals and budget.

Already got some insurance?

When did you arrange it?

Is it still suitable for your current circumstances?

Insurance is like most things you buy, different brands have different prices and sometimes the same brand can cost you more or less depending on where you buy it. So reviewing all your protection with us is vital to make sure you have the right cover for your needs and goals and you are not paying too much for it.

Types of Protection Available

A life insurance policy is designed to pay out a lump sum if the insured person dies during the term of the plan. People take this sort of protection because for example they want to pay off their mortgage if they die so their family can continue to live in the home without the financial burden of mortgage or because they want to leave a lump sum for their family to replace their lost income.
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An income protection plan is designed to replace a portion of your income if you are unable to work as a result of accident or sickness. People take this sort of protection because they want to ensure even if unable to work they will still be able to pay for things like, their mortgage, bills, car finance, phone contract, living costs.
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A critical illness plan is designed to pay out a lump sum if the person insured suffers a critical illness during the term of the plan. There is a long list of illnesses covered but includes things like, heart attack, stroke or cancer. People take this sort of plan to pay off their mortgage or pay a lump sum to support them until they can return to work for example. Critical illness cover can be combined with a life cover plan.
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Your mortgage lender will insist you have buildings insurance as the property is the security for the loan they have given you. Buildings Insurance protects your home against fire, flood, subsidence and other risks. Some fixed fittings will be covered under the Buildings policy. Contents insurance protects your belongings, you can choose to cover them just at home or if you take them away with you as well. There are many extra options with Buildings and Contents Insurance such as, Home Emergency Cover which gives you access to a service where the company will send out a repair person in the event of an electrical or plumbing emergency and cover the cost of the repair.
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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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Mortgages
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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