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Protecting Your Mortgage
Buying a home is a big commitment, so your Regal Park Financial adviser will talk about the options for protecting your home, belongings, health and your loved ones.
If you’re re-mortgaging or moving home, it’s a good time to review any existing arrangements to make sure you have sufficient cover and that they’re still the right products for you.
We offer a wide range of protection policies designed to help you continue to meet your mortgage commitments.
Our financial adviser will help you decide which types of cover would suit your needs and circumstances, and ensure that these fit within your proposed budget. He will also save you time by helping with all the necessary application forms.
Once submitted, we’ll look after your applications and ensure they are dealt with efficiently. We’ll liaise with your product providers to make sure everything is in place for you at the right time.
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Provides a lump sum in the event of your death to ensure your loved ones can continue to live in their home without the pressure of having to meet the monthly mortgage payment and all the bills with a lower household income.
We have expert knowledge of the life cover industry, and we’ll look at products from a carefully selected panel to ensure that in the event of an untimely death, your loved ones are not left with financial issues to sort out.
As well as mortgage cover, which will pay off your mortgage in the event of your death, we’ll also make sure that your family can afford to continue living in the property.
We can also help with placing your life cover into trust, which can have many benefits. There are many types of trust funds, and benefits vary considerably, but we’ll work with you to find out which options will suit your individual needs best.
Provides a lump sum in the event of your death to ensure your loved ones can continue to live in their home without the pressure of having to meet the monthly mortgage payment and all the billls with a lower household income.
Provides a regular monthly payment in the event of accident or sickness to ensure you can still meet your monthly mortgage commitment and pay your household bills.
We’ll explore this area of cover during our meeting with you. First we’ll check what cover you have through your employment, and establish if the cover provided is sufficient for your needs.
If you don’t have any cover, or if the cover provided is not at the right level, we’ll work with you to find out how much you’d need each month to pay your bills and ensure that your family is provided for.
We’ll then find the right priced product for you. This is equally important if you are a tenant renting a property or a home owner with a mortgage.
Provides a lump sum in the event you suffer a diagnosed critical illness. This could allow you to repay your mortgage and reduce the stress on your finances while you are unable to work or undertaking treatment leaving you with less pressure to return to work and give you the chance to recover fully.
We’ll ensure that we find the right level of cover for you and your individual circumstances.
Providers offer different benefits and sometimes promote offers of extra cover. We look at what you’ll need to ensure that large debts like mortgages are covered, but also what other support you and your family would need if you were to suffer from one of the illnesses covered.
We’ll also ensure you know exactly what is, and more importantly what is not, covered by your monthly premium.