Life Insurance

Taking a mortgage will probably be the largest financial commitment you will make, which is why it’s important to make sure you have the right protection in place in the event of the unforeseen. Thinking about what would happen if the main breadwinner died or suffered a critical illness isn’t something any of us want to contemplate. However, time taken to put sufficient protection in place when you arrange your mortgage means that you and your family will have peace of mind, just in case.

Like our mortgage advice service, we’ve won a multitude of prestigious awards for our life insurance advice and our service is completely fee free. We’ll look at your personal circumstances and requirements and recommend the most suitable cover for you and your family at a budget to suit you. As we deal with the UK’s leading insurance companies, we’ll find you competitive premiums on a range of policies including life insurance, critical illness insurance and income protection.

As well as recommending the best policies to suit you we’ll also help with all the paperwork to make sure your cover is in place when your mortgage completes.

Even if you’re not currently looking for a mortgage, we’re still happy to provide fee free life insurance advice.

Home Insurance

Having buildings insurance is mandatory when taking a mortgage, regardless of whether you’re buying a property or remortgaging. If you are purchasing a leasehold property, this may be covered by a maintenance charge. If you are purchasing a freehold property, the buildings insurance will more than likely need to be covered by you.

It is a condition of every mortgage offer than buildings insurance is in place. If you are purchasing a freehold property, you will need buildings insurance in place for the exchange of contracts. Our bespoke product offers free standard buildings insurance between exchange of contracts and your completion date, so you only pay for the cover once you complete.

Aside from the mandatory aspect, insuring your property and contents is important. Imagine having to rebuild your property or replace all of your contents following a flood or fire. Our advised service will be able to guide you through the process, ensuring your property and contents are covered to the right level, at the right time.

Conveyancing Service

Finding the right solicitor or conveyancer is a really important part of buying a property, which is why PreMortgage has developed it’s own conveyancing solution to give you a quality legal service at a competitive price.

When used with our exceptional mortgage service it will give you extra help and support from the point of your offer being accepted through to getting the keys to your new home or if you’re remortgaging, your new mortgage completed.