Life Insurance

These are designed to provide a lump sum payable in the event of death that would provide a sum of money to the survivor to clear the mortgage debt. This would then remove the mortgage liability for the survivor, remember, most mortgage when joint are based on combined incomes so to lose one would have a massive impact on the family purse strings.

These plan can also be used to provide a further lump sum or regular income to a surviving partner to provide additional family cover.

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