Call our Mortgage Brokers 01727 845500
Mortgage advice with the personal touch
Lonsdale Mortgage brokers offer customers quality independent mortgage advice.
Extremely clear and efficient advice and support. Nothing was too much trouble.”
Mr M, St Albans, Hertfordshire
Which mortgage suits you?
Save time and call our Lonsdale mortgage adviser on 01727 845500 for a no obligation mortgage review.
Stuart has been excellent in following up the issues with my re-mortgage and has taken responsibility for requests I would not have expected.”
Mr C, Harpenden, Hertfordshire
When you purchase a home it would be prudent to consider purchasing life insurance too. Life insurance can pay your dependants money as a lump sum or as regular payments if you die so that the mortgage can be cleared or mortgage or bill payments can be met. It is designed to provide you with the reassurance that your dependents will be looked after if you are no longer there to provide.
Life insurance covers the worst-case scenario, but it’s also important to consider how you might pay your bills or your mortgage if you couldn’t work because of illness or injury.
Lonsdale Mortgage brokers are qualified to discuss insurance and mortgage protection products. We will review a range of available insurance products to ensure we find the right product for you.
Life insurance pays out a chosen lump sum, to your dependents in the event of death within the chosen policy term. There are different types of life insurance cover:
Critical Illness insurance pays out a chosen lump sum if you are diagnosed with a critical illness or disability and covers the critical illnesses specified in the policy documentation, usually serious or long term conditions. Cover lasts for the period chosen e.g. until the mortgage is repaid or until retirement age.
Critical Illness cover can be added to a life insurance policy (level or decreasing term assurance) so the policy pays out in the event of death or an earlier critical illness or can be purchased as a standalone policy.
Income Protection pays out a percentage of your salary (usually around 50%) if you are unable to work due to illness or disability, so that you can continue paying your mortgage and bills. Income Protection pays monthly tax free payments if you have been unable to work due to illness after a deferred period, usually three or six months. Payments stop when you are able to return to work or when the policy ends. Cover lasts for the period chosen.
Amy has worked as a mortgage broker for Lonsdale Mortgages in St Albans since 2007. In 2008 she achieved her Certificate in Mortgage Advice and Practice (CeMAP) qualification and became a fully qualified mortgage consultant providing advice on mortgages and ancillary products. Amy works with her clients from their initial enquiry all the way to mortgage completion.
Save time and call our Lonsdale mortgage adviser on 01727 845500 for an initial no obligation mortgage review. Or complete our mortgage enquiry form and get the right mortgage for your situation.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments.
Lonsdale Mortgages is a trading name of Lonsdale Services Limited which is authorised and regulated by the Financial Conduct Authority. FCA Financial services register number: 225488.
The Financial Conduct Authority does not regulate commercial buy-to-let mortgages.
The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK.
Registered in England: 04573693. Registered Office: 3 Curo Park, Frogmore, St Albans, Hertfordshire, AL2 2DD.
© Lonsdale Services Limited 2020. All rights reserved.