Life Assurance | Is Your Family Properly Protected?
The one thing we all have to face at sometime in our lives is the inevitable fact that we are going to die. As individuals we don’t know when this event will take place so if we care about what happens to our loved ones we need to plan for this event to ensure that our demise is the only catastrophic event that they will have to deal with.
Fortunately for a very low cost we can rest assured in the knowledge that whatever happens, whenever it occurs the only thing our family have to cope with is the tragic loss of a loved one. At the mortgage broker we highly recommend that you take out a Life Assurance policy to cover either your existing or new mortgage and to protect your family by ensuring that your surviving partner can to pay off the outstanding mortgage and to continue their lifestyle without the added financial burden imposed in the event of your demise.
You can choose to either have a Term Plan, where the sum assured remains the same throughout the whole term of the policy, or a Decreasing Term Plan, where the sum assured reduces in line with the outstanding amount of your mortgage each month.
We can offer comprehensive and competitive protection products from some of the Uk’s top insurers: Legal & General, Zurich, Friends Life, Aegon and LV (income protection only). The plans aim to pay out a guaranteed sum of money if the Life Assured dies or is diagnosed with a terminal illness and is eligible to claim during the term of the plan.
Term Assurance automatically includes:
Terminal Illness Cover – the sum assured will be paid out if the Life Assured is diagnosed as suffering from a terminal illness and is eligible to claim (for example when life expectancy is less than 12 months). This does not apply to the last 18 months of the term of your plan.
Premiums can start as low as £5 per month, dependant on age/gender/smoker/non-smoker/medical conditions. Cover can also be obtained for a maximum term of 40 years, up to your 80th birthday.
You don’t have to take out a mortgage with us to benefit from our highly competitive insurance deals. Our team of specialist insurance advisers will be happy to help you find the right life assurance deal to suit your individual requirements.
You can get the advice of our expert team by calling today on 0845 6031695 (Local Call Rate) or email them at firstname.lastname@example.org leaving your contact number and they will call you back.
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Clive has been a star – he always emails back quickly. He doesn’t mind that it’s better for us to communicate via email and he’s always happy to answer any questions! Thanks Clive. (09/05/13)— MR & MRS DAVEY - BEXHILL
I was very impressed by the service I received from both Karl Skott and Karen Clark. Many thanks to them for their hard work. (20/02/13)— MISS HEINEY - OXFORD
The service I received was great, very professional and friendly- Mary Chamberlain was my adviser, and I cannot criticise anything at all. So thanks again for a great service. (28/01/13)— MRS BALLARD - HERTFORDSHIRE
All your staff have been very helpful, available at times that we have found convenient and prompt with service and replies. What can I say, we look forward to using you in the future. (03/04/13)— MR & MRS SELL - LONDON
My mortgage adviser Karl Skott has been absolutely amazing. I will only use The Mortgage Broker from now on. I have several more mortgages I will discuss with him. This is the result of amazing service and advice! (01/05/13)— ALAN - LONDON
We were caught in a rather worrying situation when our bank would not extend our existing mortgage to cover the cost of the home we had an offer accepted on. From the moment we phoned for advice we felt reassured that our case would be handled successfully. From start to finish we were kept informed with the progress and it felt that every effort was made to ensure that our mortgage application did not slow the progress on our new home. I would highly recommend this service to friends and family. (08/04/13)— MR & MRS HOLMES - LONDON
The Mortgage Broker always provides an exceptional service, delivered in an efficient manner by friendly professional people. Many thanks to Darren for finding me exactly the mortgage I was looking for with the fixed rate I requested, and thanks to Karen for keeping me up to date on a regular basis with information from both solicitors and mortgages. (12/02/13)— MRS SAUNDERS - CAMBRIDGESHIRE
Broker- Jodi Spreadbury. Fantastic service, knowledgeable fast service and was even prepared to arrange a meeting on a bank holiday. Also sent solicitor certified copies of ID and proof of address which saved us a lot of time. Response time to emails was fast. I would definitely recommend. (16/05/13)— MR & MRS DABASIA - LONDON
Mary Chamberlain was referred to us by a family member and we would refer her on too. She was always very helpful and willing to answer any questions we had. (26/02/13)— MR & MRS SHAH - STANMORE
Karl Skott was amazing he was extremely helpful and informative. He kept me calm when the first mortgage fell through and kept me well informed with regular updates. Thank you Karl you made the process very pleasant. (20/03/13)— MISS BARTLETT
Damian has been excellent at every stage. The speed at which he acted after my initial communication really impressed me and made the process much easier and faster. An advisor to be proud of. (30/04/13)— MR BUSSO - WARWICKSHIRE
The Mortgage Broker team have been fantastic in getting us a great deal and securing a mortgage for our new home. Clive in particular has been professional and efficient, offering us guidance every step of the way. Julie has also been helpful, making sure everything is progressing and making sure all the parties were informed. We would definitely recommend The Mortgage Broker to anyone in need of a new mortgage deal! (23/04/13)— MR & MRS EDMETT - CAMBRIDGESHIRE
Professional and friendly service provided by Mary and Karen. Thank you. (04/03/13)— MR HART - ST. ALBANS
Mary Chamberlain made our house purchase A PLEASURE. She took all the stress and let us enjoy the search! (26/03/13)— MR & MRS BIRD - NORTHUMBERLAND
We were very impressed with the service we received from both Clive and Karen. Our documents were forwarded to the bank on the day they were received and quickly returned to us. Any queries we had were promptly answered. I was very happy with the service and would highly recommend The Mortgage Broker. (25/04/13)— MR BROWN & MISS PEARLMAN - LONDON
Karl Skott and Julie Hickling have been excellent. John Summerfield has also contributed significantly. (10/05/13)— MR MATTHEWS - LINCOLNSHIRE
Thank you, you guys as normal have been amazing. Seriously the best people in the business. THANK YOU. (18/04/13)— MR HARKIN - LONDON
Thank you to Mary and Julie for making the process of getting a quality and competitive mortgage that matches our personal and financial circumstances a completely hassle free experience. I wouldn’t hesitate to recommend your service. (18/04/13)— MR HUTCHINSON - BIRMINGHAM
Karl!!! Thank you very much for your help and support. I will definitely recommend The Mortgage Broker to friends. (03/05/13)— MR NIAKAM - NEWCASTLE
I am very impressed with the service that Darren and Karen have provided. I am surprised how easy and smoothly the transition from changing my mortgage rate to a new one was. The paperwork was minimal and I just had to answer and sign a small amount of it. Darren and Karen did the hard work, they also kept me updated through the whole process and answered any questions I had. Very professional service. (18/02/13)— MRS LEA - PETERBOROUGH
Your service has indeed been WOW! Seamless from start to finish. You are always there to answer questions and help and I will definitely recommend you to my friends and family. Thank you! (02/05/13)— MISS TURNER - HERTFORDSHIRE
Julie, can we say what a pleasure it was to be dealt with by such a true professional and a company who went the extra mile to help us. We really can’t thank you enough and you were very aware of our tight deadline to complete on time. We thank you for your great support in helping us with our mortgage requirements. We will 100% be using your company again and can’t speak highly enough of the service & commitment you gave us throughout the process.... Absolutely brilliant!! (25/04/13)— MR & MRS MASAUN - WOLVERHAMPTON
Mary Chamberlain I couldn’t have done it without you!!! I knew nothing about mortgages and being a first time buyer is scary but Mary was Patient, funny, always rang back immediately- I even referred a friend!! She also repeated herself many times when I didn’t understand!!! There is nothing else to say but thank you! (22/02/13)— MISS THOMAS - LONDON
The service we received from Mr Ringrose and team was outstanding. Couldn’t have asked for better service. (16/04/13)— MR & MRS FARRELL - BERKSHIRE
We have worked with The Mortgage Broker (St Neots) Ltd twice over the past 6 years and have found their service to be first class. Their knowledge of the mortgage market and their 'out of the box' thinking has helped many of our clients secure mortgages where previously they had been turned down. I would have no hesitation in recommending their services as their reporting, speed of service and prompt payment of commission is second to none."— Stuart Meriton - Director, http://www.peterlane.co.uk/
I joined up with The Mortgage Broker Group in 2011 having been a self employed mortgage broker since 2002. Pre 2011 I had paid out thousands for leads and pre made appointments without ever knowing what I would get back in return, if anything. I can honestly say that during the time I have been with The Mortgage Broker they have over delivered in every aspect of our business relationship. Every month for over 2 years they have provided far more than the promised 20 leads a month and because of the way the relationship works, they only get paid for the leads if you get paid, so it is very much in everyone’s interests that the lead quality is high and that they are converted into business. They helped with set up costs and they have helped with ongoing training to help make the most of the leads. Whenever I have needed assistance they have been there to help. They know how to party too! Joining up with The Mortgage Broker has been the best move I have ever made for my business.— Julian Smith - Tailor Made Mortgage Services
We have worked with The Mortgage Broker (St Neots) Ltd twice over the past 6 years and have found their service to be first class. Their knowledge of the mortgage market and their 'out of the box' thinking has helped many of our clients secure mortgages where previously they had been turned down. I would have no hesitation in recommending their services as their reporting, speed of service and prompt payment of commission is second to none."— Stuart Meriton - Director of Peter & Lane Partners
Karl and Julie were excellent. (15/04/13)— MRS BOFF - BOLTON
Of all the options and quotations we were given it was The Mortgage Broker that came up with the best offer. Clive and Karen were extremely professional and helpful and we will certainly not hesitate to recommend your company when given the opportunity. (22/04/13)— MR COCHIN & MS QUISBERT - LONDON
Damian Richards- very helpful, knowledgeable and attentive. Excellent communicator, even out of office hours. Thank you. (12/03/13)— MISS MERCHANT - CAMBRIDGESHIRE
I was very impressed with your mortgage advisor Jodi Spreadbury as nothing was too much trouble. She explained things in simple terms and I was surprised she didn’t get fed up with all my questions. She is a true professional and I have been in commercial life for the last 40+ years, so I know what I’m talking about. I wish there was a Jodi in all companies that I deal with but sadly this is not the case. (16/04/13)— MR BOND - HIGH WYCOMBE
Absolutely excellent service in obtaining mortgage, arranging insurance and keeping me informed from Clive Ringrose and Karen Clark. (11/02/13)— MRS LANGSLOW - WINGHAM
For the second time now (and that’s 2 out of 2!), Jodi has proved herself to be an absolute god send in the mortgage field. Her expertise and advice has yet again proved her to be one of the most professional, knowledgeable, helpful, efficient and genuine people to work with. She delivers what she says, when she says, and is always on hand when needed, with a friendly and approachable personality. Finding the right mortgage deal can be a real headache but always something I have always done to make sure I have the best deal around. With Jodi having access to much more info than myself, not only does she take away the stress of it all but fills me with the confidence that I really am on the best deal possible to suit my needs. She has recently sorted us a great fixed deal for the mortgage on our soon to be new home, and also found us an extremely competitive home insurance policy. Through her, we were put in touch with John Summerfield, who has found us both a great Mortgage Decreasing Term Assurance policy, and a Term Assurance policy to put in trust for my children. I cannot sing her praises enough, she is a real asset to The Mortgage Broker, and someone whose name regularly crops up when discussing money/home matters with family and friends. In a world where is seems increasingly difficult to trust anyone to do what they say, and get it right first time, in her we know we can trust 100%, she is a breath of fresh air. Please pass on our thanks for all the hard work she has done for us in this time and in the past. If your team or company operates an award/reward scheme, Jodi Spreadbury gets our vote every time!!!!! (10/05/13)— MISS SOUTHCOTT - BRISTOL
I was very pleased with the excellent service I received from Peter Dowling. He understood my circumstances and acted promptly to secure a mortgage for me. I would recommend Peter to anyone in future. Thanks ever so much for all your help Peter. (09/04/13)— MR PATEL - SURREY
Mary Chamberlain is one of the most efficient, helpful and professional people I have ever dealt with. I have already recommended her to several friends. We are delighted with the service we received from The Mortgage Broker and from Mary in particular. Many thanks. (10/01/13)— MR RHODE & MISS STOKER - LONDON
Mary has always been great- very helpful and I feel I can trust her. Please thank her for me. (13/03/13)— MRS KERSHAW - BERKSHIRE
Mary Chamberlain is excellent. That’s why I keep coming back to use The Mortgage Broker. (08/05/13)— MR & MRS THOMAS - MERSEYSIDE
Mary Chamberlain was seen following two recommendations by family, she was truly superb- a normal working mum who spoke in lay mans terms to make sure you thoroughly understood. We felt like Mary offered us fantastic information and service, very friendly, reliable, fast working and a true asset to your team. We have already recommended her to others. (15/04/13)— MR AVERY & MRS HARRIS - HUNTINGDON
I would like to make a special mention regarding Jodi Spreadbury. Jodi was fantastic to deal with. She responded quickly and ensure the whole process ran very smoothly. I wouldn’t hesitate to recommend her. (13/02/13)— MR LIDDELL - SURREY
This is the second time I have used The Mortgage Broker, the second time I have received a first class service. I would recommend this company as they provide a level of information and expertise to get the right mortgage product tailor- made to suit your needs. (31/01/13)— MR KIBBLE - CAMBRIDGESHIRE
Further to our mortgage application which was dealt with firstly by Damian Richards then secondly by the admin team and Julie Hickling; your company and staff have been outstanding in their professional approach with our mortgage requirements!! Our sincere thanks to both Damian and Julie who gave us 100% superb service and commitment, kept us informed at all times. We had a deadline to complete and Julie went the extra mile for us!! (26/04/13)— MR & MRS MASAUN - WOLVERHAMPTON
When Darren Pescod first visited us to talk through the services offered by The Mortgage Broker Ltd he was very personable and understood the requirements of our customers. We were able to ask his advice and the response we received was always prompt and informative. A client of ours chose to use his services and from the very start, he put all confirmation in writing and included us in the correspondence. I would certainly recommend the company for honest and reliable financial advice.— JADE WOOLLACOTT – WOOSTER & STOCK ESTATE AGENTS - LONDON
I have been very impressed with Darren Pescod throughout the mortgage application process. It was not straight forward but Darren was communicative throughout, friendly and professional. When he wasn’t available he made sure someone else was. I’d highly recommend him and the service and would definitely use him again, not that I’m planning on moving yet! (10/01/13)— MRS BLACKMORE - CARDIFF
I would like to send my thanks to everyone at The Mortgage Broker who have helped us to secure a mortgage, especially Karl who I initially spoke to and Julie who kept me informed during each step of the process. I am convinced that without your help we would not have secured a mortgage and certainly not on such good terms. Previous brokers had spoken to us and were unable to assist but Karl was very determined and seemed to make the process appear easy. All in all I heartily recommend The Mortgage Broker and am pleased to say you all made a notoriously stressful time seem remarkably easy. (18/02/13)— MRS RADLEY
The Mortgage Broker and its staff provide a very professional service and I will use them again when purchasing additional properties. Clive Ringrose has a very good understanding of the financial products that suited my requirements. (30/04/13)— MR ADAMS - CAMBRIDGESHIRE
The service we received has been great. Always kept up to date with the latest information. (21/01/13)— MR KOWALCZYK & MISS GEDDES - BANFFSHIRE
I have been a broker for many years as a employed advisor. There comes a point when you have had enough of lining someone else’s pocket with the commissions from your own clients. Once I made the decision to set up my own company, I have never looked back!! Linking up with The Mortgage Broker (St Neots) Ltd has been brilliant. They have helped me with everything from setting up CCL license through to providing me with business local to myself. If you are thinking of going it alone, then reap the rewards of linking up with The Mortgage Broker (St Neots) Ltd.— Natasha Brown - Director of Getaway Mortgages Ltd
Very smooth and efficient service from Clive Ringrose. (28/03/13)— MRS SEXTON - LEEDS
Very good efficient service from all. I dealt with Damian and Julie. (11/03/13)— MR COLLIER - SURREY
Super service- Damian Richards was particularly helpful. (08/05/13)— MRS SILVER - NEWCASTLE
I cannot praise enough the two employees who have been helping me obtain my mortgage. Jodi Spreadbury and Julie Hickling have always been professional, efficient and easily contactable. I wish both Jodi and Julie every success for the future. (31/01/13)— MR LOCK - SURREY
We have found the process efficient and smooth, we have been using Karen & Karl who have been prompt with their replies. (02/04/13)— MR & MRS HILLYARD - LONDON
I have been working with Darren, Clare & the team for over a year now and have to say they are a wonderfully professional team to be associated with. Lead quality is consistent and standards are high. Help is only a phone call away for those difficult and strange cases we can sometimes struggle with, the best part is the tried and tested system Darren has developed to make life easier for associates and to maximise results. I hope to be working with them for a long time to come as it will only get better and better.— ANDY BROWETT – SHIELD FINANCIAL SERVICES
I have been in the mortgage market for a long time. Had various positions but mainly “paddled my own canoe” As every other Broker I was struggling to achieve enough enquiries I was frightened to spend capital in having a decent website built as this was something I did not understand. I then discovered The Mortgage Broker. After careful consideration I eventually took the leap and joined them. Leads are provided some good and some bad and generally if I want more I can easily get some. TMB have a very good industry reputation and all the Head office staff are friendly and helpful.— JOHN TAYLOR – THE MORTGAGE BROKER (PETERBOROUGH) LTD
Both Peter and Karen were very helpful and speedy responses to communications. All in all a very good service. (30/04/13)— MR TENNENT & MISS SKEHAN - LONDON
Just wanted to say thank you for all your help during this process. For me with a full on 60 hour plus a week job it was invaluable being able to do this all through the post. (26/04/13)— MRS CHURCH - NORFOLK
Further to our introduction of Mr & Mrs Hawkes to The Mortgage Broker (St Neots) Ltd and the recent completion of their mortgage, I am writing to thank you for the speedy and professional way The Mortgage Broker (St Neots) Ltd handled the case. So often we see property chains collapse because of the perceived lack of communication between the various professions involved therefore it is refreshing to be able to work with a fellow professional who cares as much about their client as we do. 2012 promises to be another challenging year but I am sure that our continued relationship will see both firms rising to meet the challenge."— Terry Lovett - Managing Director, http://www.lovettresidential.co.uk/
Being in the Estate Agency industry for over 20 years, I understand how important it is to have a good mortgage adviser and how they can make the difference between a sale going through and a sale 'falling through'. After local research and knowledge we chose The Mortgage Broker (St Neots) Ltd as our preferred advisers. We have found them to be extremely professional and we have a dedicated adviser for each of our offices. Our offers are substantiated within our requested time frame and our vendors and buyers alike are always looked after to a very high standard. The service we receive is second to none and has already assisted our business in going from strength to strength.— Donna Hewitt – Proprietor at Local Estate Agent
Mary Chamberlain was absolutely fantastic, she went above and beyond to make this mortgage happen, any house purchases in future and she will be our first port of call. (22/01/13)— MR PETER - BRISTOL
Jodi Spreadbury and The Mortgage Broker (St Neots) have been of invaluable assistance. Every time we have used them Jodi had gone to great lengths to ensure everything went smoothly. We hope to work with her for years to come. (12/04/13)— MR BURROWS - LONDON
Recommended local broker who made the mortgage process quite straight forward! (03/04/13)— MR & MRS WARD
Fantastic service from a friendly group of staff. I thank Damian Richards for his full support with this application. (18/03/13)— MR & MRS DERVISH - MANCHESTER
OK so there's a % pay away, but that's of the enhanced rates that The Mortgage Broker (St Neots) Ltd get, when you take into consideration the rates you'd be on if you went alone and the leads that The Mortgage Broker (St Neots) Ltd provide- if you only convert 1 or 2 a month, at worst it's cost neutral. Plus you get the support, incentives and camaraderie from the guys at the office. "You get to run your business how you want to, but with the back up of being part of the The Mortgage Broker (St Neots) Ltd team. Works for me."— Julian Smith - Tailor Made Mortgage Services
I really wanted to send an e-mail thanking Karen and Darren for all your hard work and effort put in to support me with buying my first house. The communication for everyone has been fantastic and I really feel that every question I asked was answered swiftly and gave me the confidence to proceed. When I first spoke to Darren on the phone he said that he would in effect hold my hand through the whole process and I really feel like this has happened. A big positive for me was that I was able to speak to Darren during the evenings and at times that suited me. Being a teacher does make it hard to speak to different people during the day so being able to leave you guys sorting things and informing me of things via e-mail or during the evening really helped. Thanks again for all your support and I would not hesitate to recommend you to friends and colleagues. (23/01/13)— MISS PAVER - LONDON