Protection & Insurance
Helping you look after you and your family
Our families are the reason all of us work hard, make sacrifices and commitments. One of the main commitments is to your family’s safety and stability. Through the various financial protection policies available, you can ensure their safety and stability even in your absence, or if there were an illness.
Life Insurance
Life Insurance is a policy which covers your life. If you were to die, your family and loved ones would be financially covered through a lump sum payment. This payment amount can be decided when taking out the policy, and is recommended to cover your mortgage as well as any additional bills whilst your family are grieving in particular.
Whilst at your appointment with us, we will discuss your current circumstances, what would need to be covered in your absence, and what type of life insurance you would be looking for. We understand thinking of the worst case scenario can be overwhelming and upsetting, however it’s for the best of your family and loved ones. We have family too, and we want the best for your family.
Home & Contents Insurance
Your home is everything you have worked hard for, and what you continue to work hard for. It’s more than a roof over your head, it’s your family’s safe space. That’s why your home deserves to be protected, and to be properly covered. As part of your mortgage contract, it is mandatory to have buildings insurance.
We can guide you through a plethora of home insurance options, for both buildings and contents. We can provide advice on the suitable levels of cover, also what is included or excluded by different providers. Devastating damage to your home may not always be preventable, however having the right level of cover and peace of mind for if the worst was to happen is priceless.
Private Medical Insurance
Private medical insurance is an insurance policy which covers the treatment costs, and associated costs of private healthcare. This would be an alternative to using our amazing NHS. Due to current climates our NHS are under huge pressures, and by having private health care cover, it could mean receiving medical attention quicker, also being offered alternative treatment.
Even common medical conditions are covered such as back pain and digestive issues. Similar to life insurance and critical illness cover, the insurance can be paid for monthly. With private medical insurance you have the peace of mind that if you or a loved one require medical attention, and if the situation permits private use, you can be covered by your policy.
Business Insurance
Business protection can really help keep your business running, if a key earner was not part of the business any longer, or they were unable to work due to illness, could the business continue to function at the same level or pay this employee for a long period? When a business starts earning money, it’s important to start looking after it and think about securing the business’s future.
When it comes to protecting your business, there are different elements to consider. It is important to protect your premises, equipment and other assets. There is also the importance of protecting any employees, as well as public liability as well. To find out more, and for advice on what insurance needs your business may have get in touch.
Critical Illness Cover
Critical Illness cover gives you that peace of mind that if you were to become critically ill, you would be able to manage financially. The cover allows for you to have a lump sum payment if you were to be diagnosed with a critical illness covered by the plan, e.g. cancer, heart attack, stroke etc. When taking out the policy you can choose how much cover you want, and you could also cover your partner or other household members.
Income Protection
Income protection is a back up to your monthly wage for if you were unable to work due to an accident or sickness. For instance if you’re a hairdresser and you broke your wrist, you wouldn’t be able to work whilst you healed. If you had an income protection policy, the insurance provider would pay. amonthly income which can be used to maintain your outgoings and lifestyle whilst you take time to recover. When selecting your income protection, one of our advisors will help you understand the requirements, inclusions and exclusions, as well as whether you are looking for a short term or long term cover.
Family Income Benefit
If you are a parent and have lost a loved one (or a loved one has become critically ill) who contributed towards the household income, having life insurance is a great way to ensure the mortgage debt is paid off or a legacy is left behind to look after the family. Sadly there are still bills to pay, mouths to feed, quality of life to be had, all of which cost money. Family income benefit will provide a regular monthly income which will aid your family to cover these costs and hopefully take away some of the financial stress whilst going through a tough time. Speak to our team about it to see if this cover could help.
Landlord Insurance
As a landlord, having insurance is imperative not only for the home, but also for the protection of your rental income and tenancy. We can give you access to landlord insurance that pays if your tenants were to fall behind on rent or if your tenants damaged your property.
There are also options to cover legal costs should you need evict a tenant or there was an accident at the property and you were liable.
How Can Protection Help Me & My Family?
At times of stress, worry and grief, having your finances cared for, and your home looked after, is imperative to help the heart heal.
If the worst were to happen to you or your family, having the extra stress of dealing with monthly outgoings will not help. Let us work with you to build a safety net for you and your family.
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Frequently Asked Questions
How much protection do I need?
How much cover you need depends on your circumstances. Our advisors will discuss this with you and help you understand the different limits and cover, as it is different for everyone.
Do I need to have it?
Whilst it isn’t a legal requirement, there is an element of wouldn’t you do everything you can to protect your family and their home?
How much will it cost?
The cost depends on your level of cover and the policy, however many policies cost less than your monthly takeaway coffee order.**
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If you are unsure, just speak to them. They will give you the information and the confidence you need to make your own decisions and hopefully own your own home.
If I could give more than 5 stars I would.
We can’t say enough good things about our experience with Mewstone. As self-employed individuals, navigating the complexities of securing financing can be overwhelming.
However, the team at Mewstone, Charlie, Mark and Kate made the entire process smooth and stress-free. They were incredibly knowledgeable about the unique challenges we face and helped us every step of the way, ensuring we understood all our options and found the best solutions for our needs.
Their professionalism, attention to detail, and personal care exceeded our expectations. Highly recommended for anyone, especially those who are self-employed and need expert guidance!
At times, it has been quite an intimidating & stressful process but Mark, Charlie & Seb have gone above & beyond to guide us as well as make us feel comfortable & well informed throughout.
I really couldn’t praise them enough.
The process of securing a mortgage can be incredibly stressful and time-consuming, but they made it remarkably smooth and manageable. They spent countless hours meticulously chasing down details from various mortgage companies on my behalf, ensuring that every piece of information was accurate and up-to-date. Their persistence and hard work were evident at every step of the way.
What impressed me the most was their unwavering commitment to finding the best possible mortgage options for my specific situation. They patiently explained every detail, answered all of my questions, and provided invaluable advice that helped me make informed decisions. Their personalised approach made me feel valued and reassured throughout the entire process.
In addition to their outstanding service, the team at Mewstone was always prompt, courteous, and friendly. Their excellent communication skills and transparency kept me informed and confident that my mortgage application was in the best hands.
Thanks to Mewstone Mortgage Advice, I now have a mortgage that perfectly fits my needs, and I couldn't be happier with the outcome. If you are looking for a mortgage company that goes above and beyond to deliver exceptional results, look no further. They are truly a cut above the rest.
Mewstone we're recommend to us via a Facebook group & they managed to get us an offer from our same mortgage provider for 100% of what we initially asked for! Go figure that out?
The whole process is straight forward & very quick as long as you have your paperwork in order. And the best thing about it all is we only had to pay £99 because we were keeping our same provider!
Definitely using them again & more than happy to recommend them to everyone.
Honest, efficient and genuinely want to get you the best mortgage deal/outcome. Working above and beyond - even in evenings.
Really appreciated advice and comparisons on which solicitors to proceed with for both our sale and purchase as well.
Would 100% recommend!
We were given Mike from Mewstone details having heard good vibes from his work. Mike made contact, we explained our circumstances and he was able to assist us quickly with a mortgage in principle at the right amount of loan, we are now going through the paces of buying our home and this has been completed very quickly by the mortgage lender with Mike by our side all the way, great honest advice, explained in plain English, upfront with all costings and also will explain if things go wrong honestly. Our house has a very odd issue with holding a freehold title as well as a leasehold title, so Mike is assisting us each step of the way and being our go between with solicitors and estate agents.
We are very happy, would 100% recommend Mike to anyone who asked, his specialist area is mortgages for older people but I am sure he can help many others looking for assistance with mortgages.
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Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).
New Leaf Head Office Garfield House, 165-167 High St, Rayleigh SS6 7QA. Co registration Number 5520001.
Mewstone Mortgage Advice LTD Head Office: 22 Barton Brake, Wembury, Plymouth, Devon PL9 0BJ Co registration Number 12959322
Your home is at risk if you fail to keep up payments on your mortgage or any other loans secured against it.
Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.
Equity release may involve a lifetime mortgage which is secured against your property or a home reversion plan which requires the sale of property for a discounted price. To understand the features and risks, ask for a personalised illustration. You only continue to own your own home with a lifetime mortgage.
Equity release may impact the size of your estate and it could affect your entitlement to current and future means-tested benefits.
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