Insurance

Our services

When acquiring a mortgage to purchase a new home or buy-to-let property, it’s important to protect not only yourself, but your investment. It is therefore essential to take out adequate insurance in the event of fire or floods, theft, accidental damage, illness or bereavement, unemployment, separation, or any other eventuality that could put your home at risk.

We can provide you with impartial advice and competitive quotes on the types of policies that are relevant to your circumstances. The most common types of insurance we advise for home owners and landlords include:

Buildings & Contents

Mortgage lenders insist that home owners insure their properties with adequate buildings and contents cover. This type of policy will normally insure your residential home or buy-to-let property, (as well and fixtures, fittings and contents) against damage caused by fire or flooding, lightening and storms, subsidence, accidental damage, escape of water, theft and vandalism.

The policy you choose should be sufficient to cover the rebuild cost of your property. The best deal is usually acquired by taking out a joint buildings and contents insurance policy. However, if you buy a flat that is managed by a factor, you may find that buildings insurance is already in place for the entire apartment block. This is something we will check for you when you purchase your new property.

Life Insurance

Whilst most people insure their cars, homes and other valuable belongings, many don’t insure themselves. Life Insurance provides a valuable safety net for your family if the unthinkable should happen, helping them financially during a difficult time. Many policies include terminal illness benefit, too.

Critical Illness Cover

This type of policy will ensure you are financially protected against the impact that being diagnosed with a specific critical illness could have on you and your loved ones. It is common for this type of cover to be added to a life insurance policy.

Serious Illness Cover

Serious Illness Cover helps protect you financially if you fall ill. This will pay you out a cash lump sum based on the severity of your condition – meaning that you can focus all your energies on making a full recovery.

Unlike typical critical illness cover, this pays out for the less severe conditions as well as the more critical ones. So if you get ill and need to claim, this insurance will give you a percentage of your cover depending on how severe your condition is. This means that if a condition gets caught early on, the insurance provider will pay out a portion to alleviate the stress, but you’ll also have the rest of your cover should you need to claim again and again.

Income Protection

Most home owners would find it difficult to cover their mortgage payments if the were unable to work. We never like to imagine that we’ll face ill health or accidental injury, but it’s important to protect yourself and your home just in case. An Income Protection insurance policy is affordable and will provide income to help replace any lost earnings as a result of illness or injury.

Redundancy & Unemployment Cover

This type of policy provides short-term income protection, usually for up to 12 months, if you are unable to work as a result of involuntary redundancy. Some income protection policies also combine sickness and accident cover, as well as unemployment.

Landlords’ Insurance

If you purchase a buy-to-let property, a standard home insurance policy may not provide sufficient cover. Landlords’ Insurance is usually the best choice. This type of policy usually includes buildings insurance, but it will also provide cover things like loss of rent, compensation claims from tenants, legal cover, loss of income if your property is damaged, and property owner’s public liability.

Take the first step to your new mortgage?

Get in touch for impartial advice and obtain a quote now!

CONTACT US

T.01698 200050

The Mortgage Hub – meet the team

A wealth of industry experience is just the start of the range of expertise at The Mortgage Hub. We are a highly professional group of customer focussed mortgage advisers who genuinely want to help you through your property and mortgage journey.

Take a moment to meet our team and feel free to drop us a line on any mortgage or insurance related matter – we really do want to help!

 

The Mortgage Hub
38 Cadzow Street,
Hamilton ML3 6DG
info@mortgagehub.co.uk

T.01698 200050

Wilson Kane

Wilson has been working in financial services since 1991. Along with Lynsey, Wilson set up The Mortgage Hub in 2006 after noticing a critical need for a whole of market mortgage broker dedicated to providing the best advice and customer service.

CONTACT WILSON

Lynsey Campbell

Lynsey has a wealth of experience in the property market, having worked in the mortgage and estate agency industry since 2001. With a strong focus on customer service, Lynsey ensures the smooth running and completion of client applications.

CONTACT LYNSEY

Elaine McDonagh

Elaine has worked within estate agency and mortgage broker industries since 2004. She deals with all new enquiries, sourcing of property, arranging viewings, feedback on viewings and, most importantly, negotiating the very best price on your property.

CONTACT ELAINE

Becky Campbell

Becky joined The Mortgage Hub team in 2010 and has worked her way from admin assistant to mortgage processor. An integral part of the team, Becky oversees all mortgage and insurance applications to ensure a seamless process for all of our valued clients.
CONTACT BECKY

Louise Jessimer

Louise is our sales assistant and receptionist. She will assist in arranging viewings with estate agents and support clients in all aspects of the mortgage process to ensure they are aware of what is happening at each stage and have assistance with any questions or requests they have.
CONTACT LOUISE

Ross MacLeod

Ross joined The Mortgage Hub with a wealth of experience in the banking sector taking on the roll of mortgage adviser. Ross is also very focused on customer service and ensuring our clients receive the best possible advice on their mortgage and insurances.

CONTACT ROSS

Our customer service– see what our clients say

We have been customers of Wilson for over 17 years, his company is second to none. Always gives fantastic service and has always works endlessly to get us the best deals, making us feel very comfortable and valued.  The girls in the office are extremely helpfully and friendly and nothing is ever a bother to them. Have recommended The Mortgage Hub to all our friends and family and we will continue to use their invaluable service for years to come and would highly recommend to anyone looking for financial advice. – Sharon Kyle

We would both like to thank you all for all of your help since the start of the year. When we first met with Wilson we had absolutely no idea about anything to do with getting a mortgage, how much we needed for a deposit, or buying a home. Now we are homeowners together and couldn’t be happier! We appreciate all of the searching to get us the best mortgage deal and the best insurance policies, and we will definitely be keeping in touch for some more help when our current deals run out! We have also recommended your services to my best friend and her partner who were in the same situation as us, who I think have already been in to speak to you, so hopefully they benefit from your services the way we did. And finally would just like to say thanks for putting up with my constant e-mails and phone calls!! We probably wouldn’t have this home if it wasn’t for all of your help and knowledge, it is very much appreciated. – Emma and Barry

Read More

Stay connected with us – read our blog and follow us

 

 

 

 

News

News