Insure it to protect it

Protect what matters

Let’s be real – life can throw some unexpected curveballs our way. Illness, accidents, or the loss of a loved one can hit us when we least expect it. 

When you’re in it for the long haul with a mortgage, it’s essential to have a safety net. We’re all about looking out for our clients, making sure they can keep up with their mortgage payments even during tough times like suffering a loss, incapacity, or redundancy. 

We can’t predict the future, but we can definitely prepare for it. That’s why at Key To Mortgages we’re here to offer tailored protection solutions that give you and your family peace of mind.

Because when the unthinkable happens, you’ll rest easy knowing your home is safe and sound.

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Protect what matters

What is mortgage protection?

Let’s break down Mortgage Protection Insurance. There are two main types: Decreasing Term Assurance and Level Term Assurance. 

Decreasing Term Assurance is perfect for repayment mortgages. If the worst happen, a lump sum equal to your remaining mortgage balance is paid out.  

Level Term Assurance is ideal for interest-only mortgages. Here, the cover amount remains constant throughout the term. If you die during this period, a lump sum is paid out, ensuring your loved ones keep the family home. 

And don’t forget about Critical Illness cover! If you’re diagnosed with a serious illness, having this can be a lifesaver. If illness strikes, you’ll receive a lump sum and keep your home secure. 

Ready to learn more? Keep reading or get in touch with us to explore your options!

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Protecting your family.

Protecting your loved ones is non-negotiable. That’s why choosing the right protection package is crucial for your family’s future. 

Having an insurance policy in place to cover your mortgage in case of your passing or critical illness is a vital step in safeguarding your family’s financial security. But sometimes, more comprehensive coverage is necessary. 

Family income plan is like a safety net and this type of cover offers added financial security at affordable premiums. It’s often paired mortgage protection, ensuring your family receives both a lump sum to repay the mortgage and ongoing income support. 

Ready to learn more? Keep reading or get in touch with us to explore your options!

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Protect your income.

Protecting your income is crucial in case you’re unable to work due to an accident or illness. This ensures you don’t risk losing your home and can maintain your current lifestyle, focusing solely on your recovery. 

With an income protection plan, you receive a monthly benefit if you’re unable to work due to an accident or illness, replacing your lost earnings. 

Life is unpredictable, but we can prepare for the worst. A tailored protection solution designed for your unique needs will give you peace of mind, knowing that your home and future are secure.

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Questions on your mind?

Check out the answers to questions we commonly get asked.

Why do I need insurance?
Insurance can mean different things to different people. It is about providing security and peace of mind in knowing that whatever turns life takes everything that means anything to you can be protected. 

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Can I get mortgage with bad credit?
If you’re looking to secure a mortgage but have a less-than-perfect credit history, you might feel like the odds are stacked against you. However, living in Bournemouth and working with a whole-of-market mortgage broker can provide you with unique opportunities and strategies to turn your homeownership dream into a reality. 

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What is a credit reference report?
When applying for a mortgage, your credit reference report plays a crucial role in determining your eligibility and the deals available to you. At Key To Mortgages, we want to ensure our clients in Bournemouth and beyond fully understand what a credit report is and why it matters.

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Can my family help me with my deposit?
At Key to Mortgage, a trusted mortgage broker based in Bournemouth, we understand that saving for a deposit can be one of the biggest challenges when buying a home. With house prices rising, many first-time buyers turn to family members for financial help in the form of a gifted deposit. But what exactly is a gifted deposit, and how does it affect your mortgage application?

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Do I need Buildings Insurance?
As a leading whole-of-market mortgage broker based in the beautiful coastal town of Bournemouth, we understand that securing your dream home is just the first step. Protecting that investment with comprehensive buildings and contents insurance is equally crucial.

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Tailored mortgage solutions, crafted to suit your individual requirements.

Our team of skilled mortgage advisors prioritises understanding your situation, collaborating with you to identify the ideal mortgage solution aligned with your budget, preferences, and long-term aspirations.
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