Protection

OUR AIM AT FINESSE MORTGAGE SERVICES IS NOT ONLY TO ENSURE THAT YOU HAVE THE RIGHT MORTGAGE BUT ALSO THAT YOU ARE SUFFICIENTLY PROTECTED SHOULD THE UNFORSEEABLE HAPPEN.
There are many types of Protection Policies to choose from. Finding the one that provides adequate cover and the right protection may be more difficult than you think. At Finesse Mortgage Services we can help you find the one that best suits your requirements from our market leading panel of insurers available to us.

Life Assurance

What is it?

A term life insurance plan is the most basic form of life insurance & is usually the cheapest way to insure your life. It covers you for a fixed period & pays out a one off lump sum if you die during the policy term.

With some policies you can add additional options eg critical illness cover or mortgage payment protection.

Who is it for?

This type of plan is designed for those who want to leave a lump sum in the event of their death within a specified time period.

Term Assurance can be used to cover a mortgage or other loan or to ensure that your family is protected from the effects of having to repay a debt after the policyholder has passed away.

As Financial Advisors we can help you find the plan that best suits your requirements.

Critical Illness Cover

What is it?

A critical illness plan is designed to pay out a lump sum on diagnosis of certain specified illnesses.It can either be a stand alone policy or is often added in to a term assurance policy as an additional option.

Who is it for?

This type of plan is an important financial safety net. It is designed for those individuals or families that want a lump sum if they are diagnosed with a serious illnss. For example upon diagnosis of a serious illness a lump sum could be used to repay a mortgage , pay for time off work or even carry out necessary alterations to your home.

The quality of cover & the amount of illnesses covered can vary alot between different providers. As Financial Advisors we can help you find the plan that best suits your requirements.

Income Protection

What is it?

An income protection policy is designed to pay out a regular income in the event that you are unable to work due to an accident, sickness or disability. This type of policy continues to pay you an income as long as you are unable to return to work or until the end of the policy.

Who is it for?

This type of plan is designed for anyone who is working either employed or self-employed. As Financial Advisers we can help find you the plan that best suits your requirements.

Unemployment Cover

If you are in full time employment or self - employed you should consider the implications of involuntary redundancy.

Unemployment cover is designed to protect you if you are made involuntarily redundant. It provides a tax free monthly amount that can be used to help you manage financially. It continues to pay for up to 12 - 24 months or until you get back to work, whichever is sooner.

As Financial Advisers we can help you find the plan that best suits your requirements.
For Accident Sickness & Unemployment Insurance we act as introducers only.

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A professional fee for arranging your mortgage is charged. The amount is £299 and we will retain the lender commission. Alternatively you can pay a fee of 1% of the loan amount and we will refund you the lender commission.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE’

Finesse Mortgage Services is a trading style of Nicola Chesson. Nicola Chesson is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

Finesse Mortgage Services is entered in the FCA Register, and its FCA Register number is 604531.

The FCA does not regulate some forms of Buy to let mortgage. The FCA does not regulate Solicitors and we act as introducers for it. The FCA does not regulate estate agency and we act as introducers for it.

For Buildings & Contents Insurance we offer products from a selected panel of providers.

The guidance and/or advice contained in this website is subject to UK regulatory regime & is therefore restricted to consumers based in the UK.