When arranging insurance — whether it’s life insurance, critical illness cover, income protection, or mortgage protection — many people start with comparison websites. They’re quick, convenient, and provide instant quotes. But while comparison sites can help you get a rough idea of price, they often leave out the most important factor: whether the cover is actually right for you. In many cases, relying solely on comparison sites can leave you underinsured, paying more than necessary, or struggling during a claim. Here’s why it’s almost always better to use a qualified protection adviser/broker instead. 1. Comparison Websites Focus on Price, Not Protection Comparison sites rank policies by the cheapest premium, not by quality or suitability. But the cheapest life cover, mortgage protection or income protection policy isn’t always the one that supports your family when it matters most. A broker takes the time to understand your needs, your family situation, your financial commitments, and your long-term protection requirements. This ensures the policy is built around you, not just a price. 2. Each Insurer Assesses Risk Differently — Brokers Know the Differences Insurers all treat medical conditions, high-risk occupations, family history, lifestyle choices and hobbies differently. Comparison websites won’t tell you that one insurer might be far more flexible with your health condition or offer better terms for people in certain jobs. A broker knows which insurers: Offer the most competitive premiums Are more understanding of medical issues Provide specialist life insurance for complex situations Give fewer exclusions This can make the difference between an affordable policy and a declined application. 3. Brokers Provide Personalised Advice — Comparison Sites Can’t Insurance is personal. You’re protecting your family, home, and long-term financial security. A broker gives tailored advice based on your situation, explains the differences between policies, and ensures you’re not over- or under-insured. Comparison websites legally cannot offer personalised recommendations. If you choose the wrong policy, the responsibility falls entirely on you — which can lead to major gaps in protection. 4. Claims Support When You Need It Most Buying insurance is easy. Claiming on it is often the hard part. If illness, injury or tragedy occurs, a broker provides ongoing support by: Guiding you through the claims process Helping complete paperwork Speaking to the insurer on your behalf Ensuring your family receives the full amount they’re entitled to Comparison sites don’t offer any claims assistance. You’re completely on your own at the most stressful time. 5. Brokers Have Access to Better Policies and Rates Many reputable UK insurers don’t list their products on comparison sites. They work exclusively with brokers and often offer: Enhanced cover Better definitions Fewer exclusions Additional benefits, like virtual GP services or wellbeing support This means the “best deal” doesn’t always show up online — but your broker can find it. 6. No Jargon, No Guesswork Insurance wording can be filled with jargon, technical definitions, and legal detail. A broker breaks everything down clearly so you understand: What’s included What isn’t What’s worth paying extra for What you don’t actually need This gives you confidence and clarity while avoiding expensive misunderstandings. 7. It’s Usually Free to Use a Broker Most brokers don’t charge a fee. They’re paid by the insurer, like us and not by you. So you receive expert advice, tailored research, and long-term support at no additional cost. Final Thoughts Insurance should be about peace of mind — not guesswork. Comparison websites might show you prices, but a broker shows you the right protection for you, your family and your future. Protect what matters most with expert advice you can trust. If you want help choosing the right life insurance, critical illness cover, income protection, or mortgage protection — get in touch today.
Taking out a mortgage is one of the biggest financial commitments you’ll ever make. For most people, it’s a 20–35 year responsibility—one that relies on steady income, good health, and life circumstances remaining fairly stable. But as we all know, life doesn’t always go to plan. That’s where mortgage protection products come in. These policies are designed to safeguard you, your family, and your home should something unexpected happen. They provide peace of mind and financial security at the times you need it most. In this article, we’ll explore what mortgage protection is, why it’s so important, and the types of cover every homeowner should consider. What Is Mortgage Protection? Mortgage protection refers to a range of insurance products that ensure your mortgage payments can still be met if you: Pass away Become critically ill Are unable to work due to accident, illness, or redundancy Lose income unexpectedly Without protection in place, your home—and your family’s financial stability—could be at risk. Why Mortgage Protection Matters 1. Protects Your Home Your home is likely your largest asset. If you or your partner were suddenly unable to pay the mortgage, you could face arrears or even repossession. Protection products ensure that doesn’t happen. 2. Supports Your Family Financially If you’re the main income earner, your family relies on your ability to work. Protection policies provide a financial safety net, helping your loved ones stay in the home they know and rely on. 3. Covers Life’s Unexpected Events Illness, injury, and redundancy can happen at any time. With protection in place, you won’t have to worry about your mortgage during an already stressful period. 4. Complements Employer Benefits Even if your employer offers sick pay or life cover, it may not be enough—or may not last long enough—to cover a long-term loss of income. Mortgage protection bridges that gap. 5. Peace of Mind Simply knowing your home is secure allows you to focus on recovery, family, and life—not financial stress. Types of Mortgage Protection Products 1. Life Insurance Pays out a lump sum if you die during the policy term. This can clear the mortgage, ensuring your family keeps the home. 2. Critical Illness Cover Provides a tax-free lump sum if you’re diagnosed with a covered serious illness such as cancer, stroke, or heart attack. This can be used to pay off the mortgage or support household costs during treatment. 3. Income Protection Replaces a portion of your income each month if you can’t work due to illness or injury. It offers long-term financial stability, often until you’re ready to return to work. 4. Mortgage Payment Protection Insurance (MPPI) Covers your monthly mortgage payments for a fixed period if you’re unable to work due to accident, sickness, or redundancy. Do You Really Need Mortgage Protection? While not a legal requirement, mortgage protection is strongly recommended for anyone with a mortgage. If you have dependants, are self-employed, or rely heavily on your income to maintain your lifestyle, it becomes even more important. For most people, the mortgage is their biggest monthly outgoing. Protection ensures it remains manageable—no matter what life throws your way. Final Thoughts Mortgage protection products aren’t just about financial obligations—they’re about safeguarding your home, your wellbeing, and the people you love. With the right cover in place, you can enjoy your home with complete peace of mind, knowing you’re protected from life’s unexpected challenges. Ready to make sure your home and family are fully protected? Get personalised advice and a tailored protection review today. 👉 Contact us now for expert guidance and no-obligation support. Whether you’re looking to review your existing cover or set up a brand-new policy, we're here to help you protect what matters most.
For many self-employed people, the mortgage world feels full of myths and mixed messages. One lender says you need three years of accounts, another says one is enough. Some say contractors can’t get mortgages; others say the opposite. Let’s clear up the confusion and clear away the myths once and for all. Myth 1: You Need 3 Years of Accounts Not true. Many lenders are comfortable with two years , and some specialist lenders will accept one year — especially if you’ve moved from employment to self-employment in the same industry. Myth 2: Being Self-Employed Makes It ‘Harder’ to Get a Mortgage It’s not harder — it’s just different. Lenders simply need clearer evidence of income because you don’t have payslips. With the right preparation and the right lender, approval rates are strong. Myth 3: Contractors Can’t Get Mortgages They absolutely can. In fact, some lenders use your day rate to calculate borrowing, which can increase the amount available compared to salary/dividends alone. Myth 4: You Must Pay Yourself More to Borrow More Not always. Some lenders use retained profit in a limited company — meaning your borrowing potential isn’t limited to what you physically pay yourself. Myth 5: You Can’t Get a Mortgage With Fluctuating Income Many self-employed people have seasonal or uneven income. Lenders understand this. What matters more is the overall picture and whether income is stable or trending upward. Final Thoughts Don’t let myths stop you from taking the next step. The key is working with a broker who knows which lenders understand self-employed income. 👉 For friendly expert support, contact us via the website to discuss how we can help.
