We help protect families and homes
The most important things in life are worth protecting. Making sure that everything is covered with the right type of insurance provides peace of mind.
Whether we have helped arrange your mortgage, or whether you just require information about insurance products, Choicemortgages can help.
There are various products available including life insurance, critical illness cover, income protection and home insurance.
It is important to understand all the options so that you can make the right decision according to your circumstances and budget. We want to ensure you are financially resilient should an event arise, considering any existing provisions you have privately or via your employer.
Life Insurance
Life Insurance, also referred to as life assurance, allows you to make sure your family is protected in the event of your death, during the policy term. You choose the amount of cover you need and the length of time you want to be insured for. You can choose to have guaranteed or reviewable premiums. We encourage guaranteed premiums so they will never change during the term of the policy, thereby allowing you to budget with confidence.
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Critical Illness Cover
Critical illness cover is an important part of your insurance provision. It is designed to pay out a lump sum if you are diagnosed with one of the critical illnesses covered in your policy. Depending on the provider, you can expect between 35 – 50 specified illnesses with the majority of claims relating to cancer, heart attack and stroke. It can be incorporated within your life insurance, therefore the term and amount you need to be insured for is chosen by you.
You can choose to have guaranteed or reviewable premiums. We encourage guaranteed premiums so they will never change during the term of the policy, thereby allowing you to again budget with confidence.
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Income Protection
If you were unable to work due to an accident or sickness you would probably struggle to maintain your financial commitments and support your family. Income protection is designed to replace loss of earnings until you are physically able to return to work.
There are various options available, but you choose when the income starts. This can be four, eight, 13, 26 or 52 weeks and is designed to coincide with when your employer’s sick pay ceases. You can also decide how much you would like to receive but different providers have individual limits, typically between 50-75% of your gross income. Finally, you choose how long you want the income to be paid.
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Redundancy Cover
If you were made redundant you would probably struggle to maintain your mortgage payment, let alone other household costs and bills. Redundancy cover is designed to offer some peace of mind should the event occur, and will normally provide a monthly income after four weeks, up to a maximum period of 12 months.
Home Insurance
There are three main policies: buildings insurance (this protects the structure, fixtures and fittings), contents insurance (this covers all your belongings; clothing, furniture, white goods, jewellery, electronics etc) or combined buildings and contents insurance. It is important to note that if you have a mortgage, buildings insurance is mandatory and will be a legal requirement by the lender.
You should also consider additional features, for example accidental damage on buildings, accidental damage on contents, individual high risk items, personal possessions away from the home, legal cover and home emergency.
There are a range of options and excesses that you can choose from.
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Landlords Insurance
Landlords insurance is a specialist insurance which is essential for anyone who is renting out their property. Buy to let Insurance provides you with peace of mind by protecting your home and possessions from loss or damage. The products are specifically designed for the buy-to-let investor offering cover on a bedroom-rated basis, with ancillary products such as legal cover and rent arrears protection available.
What makes us different
We don't
- Have a tie to one provider or work from a panel
- Have any fees relating to insurance
- Have an attitude that one policy fits all
- Exclude complex insurance
Choice Mortgages UK
- Are independent, with access to all insurance providers
- Do not charge a fee for advising or arranging insurance
- Take time to understand your requirements and tailor a package that meets all your insurance needs
- Can help with complex insurance needs; medical problems, hazardous sports
- Will consider existing policies and employer provisions
We can help you find the right insurance
Your local independent insurance experts
- We don't have any fees
- Our advisers have access to all insurance providers and provide unbiased advice
- We can help you find the right insurance and help you protect loved ones
Call us on 01780 480600
Speak to an adviserThe Walden Family
We have used Choice Mortgages for the last 19 years, as it's not just a product they provide, but a fully invested service. They can always be relied upon to listen to your needs and find the solution that best works for you, whether that be with your mortgage or your protection policies. When my wife was diagnosed with multiple sclerosis, it was Choices that went the extra mile to help me sort through existing policies that were unsubstantial for our needs. They then helped us find the products that would be there when we need them.
They can always be relied upon to listen to your needs and find the solution that works best for you.
Their service is friendly, to the point of feeling like one of the family. They are always there for you on the phone if you have questions and I wouldn't consider using anyone else to put our needs first. When friends tell me that they are needing to change their mortgage or insurance policies, I say, “Go to Choice Mortgages.” I can't recommend them highly enough. A top class service that's with you every step of the way.
We can help you find right insurance product
Our insurance brokers can see the whole picture
Based in Stamford, Lincolnshire
Providing mortgage and insurance advice nationwide.
Choice Mortgages is an independent mortgage broker; having access to thousands of mortgage and protection products on the market. Our office has been located in Stamford for over 20 years and we have a team of professional advisers with a vast amount of experience.
Locally we are a short distance from Peterborough, Oakham, Oundle and Spalding.
We offer a free no obligation consultation and help you find the most suitable solution. Understanding lenders criteria and how you are eligible for a mortgage is paramount.
We provide a dedicated personal service and work closely with you every step of the way; organising the paperwork and taking care of the entire application process, making the transaction far less stressful for you. We know lives are busy and we can alleviate the time pressure, by offering telephone or face-to-face appointments.
About Choice Mortgages