Insurance Advice

Why do I need an Adviser to help me find Insurance?

In the days of comparison websites the question we often here is ‘Why do I need an Adviser?’ and the response is if you want to see what products are available on the market, then you don’t need an Adviser.

  • You can find the ‘best rate’ on a comparison website.
  • You can apply for the top or cheapest result.
  • You can be refused.
  • You could keep doing this and ultimately destroy your credit rating.
  • Or worse, you could end up with the wrong cover.

The problem is this. Comparison websites present you with results loosely based on the few questions they have asked about aspects of your personal circumstance, but these few questions will only return to you an example of the products available across the entire market and not those ones necessarily suitable for you.

Our qualifications enable us to understand how you fit the market.

We also appreciate that it may be difficult to meet during the day we offer a flexible diary and can also see you at your own home if more convenient.


Mortgage & Protection for Life is a trading style of Paul Carter which is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

There may be a fee for mortgage advice, the amount will depend on your circumstances, a typical fee would be £295.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Debt consolidation is not always the most suitable option, consolidating debts must be carefully considered.

It will usually mean more interest over a longer repayment term and there may also be early repayment penalties on your current mortgage-

you should think carefully before securing other debts against your home.

There are other ways to manage debt such as free debt advice charities,

you can find out more by contacting the money advice service:

https://www.moneyadviceservice.org.uk/en/tools/debt-advice-locator

these services may be more suitable for you.

Website Terms & Conditions

The Financial Conduct Authority does not regulate most buy to let mortgages.

*Paul Carter acts as a credit broker not a lender