Insurance and Protection

PROTECTING WHAT MATTERS MOST

Because life doesn't always go to plan.

Buying a home is a significant commitment. Making sure you and the people who depend on you are financially protected is just as important.

At AR Mortgage Services, we take the time to understand your circumstances and help you explore protection options that could provide financial support when it's needed most.

Protection built around your life.

Everyone's circumstances are different.

Whether you're buying your first home, moving house, raising a family or reviewing your existing arrangements, the right protection depends on your individual needs.

We'll explain the available options in straightforward language, helping you understand what each policy covers, what it doesn't and how it could support you.

As with all insurance poliscies, conditions and exclusions will apply.

UNDERSTANDING YOUR PROTECTION OPTIONS

Life Insurance

Life insurance can provide a lump sum or regular payments to your chosen beneficiaries if you die during the policy term.

It could help give your family financial security and support them with mortgage payments and other living costs during a dificult time.

Critical Illness Cover

Critical illness cover can provide a lump sum if you're diagnosed with a specified serious illness that meets the policy's definitions.

This money could help with mortgage repayments, household expenses or other financial needs during a difficult time.

Buildings and Contents Insurance

Buildings insurance helps protect the structure of your property against insured events, while contents insurance can cover belongings within your home.

Buildings insurance is normally required by mortgage lenders, although you can generally choose your own insurance provider.

Income Protection

If illness or injury prevents you from working, income protection insurance can provide regular payments representing a proportion of your income, subject to the policy's terms.

It can help you manage essential living costs while you're unable to work.

We Can Help You

  • Review your existing protection arrangements

  • Identify potential gaps in financial protection

  • Explain different types of insurance

  • Explore suitable policies and levels of cover

  • Discuss affordability and monthly premiums

  • Explain important exclusions and limitations

  • Help you make informed decisions about protecting your future

What protection do you really need?

Not everyone needs the same level or type of cover.

Your mortgage balance, income, savings, family circumstances and existing benefits can all influence which protection options may be appropriate.

We'll take the time to understand your priorities and help you consider cover that suits your needs and budget.

A little planning today can make a difference tomorrow.

Protecting your home is about more than bricks and mortar. It's about helping to protect the people and lifestyle you've worked hard for.

Let's have a conversation about what matters most to you.

LEGAL

LEGAL

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

Calls may be recorded for training and quality purposes.

AR Mortgage Services undertakes credit broking and is not a lender. We offer an unrestricted range of first charge mortgages, but do not offer second charge lending or bridging finance.

AR Mortgage Services is a trading style of Alistair Redhouse Mortgage Services Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd. which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register.

We are registered in England and Wales under company number 16988991. Our registered office is at The Old Police House, Old Botley, Botley Road, Oxford, OX2 0JW.

Fee statement: There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This will typically be £335 and is payable once an application has been submitted and will be agreed with you prior to advice being given.

Insurance Disclaimer: As with all insurance policies, conditions and exclusions will apply. The cost of insurance depends on several factors, such as your age, occupation, and location.