Protection and Insurance Advice

Keeping your home and family safe

Choosing a home can often be a bit of a leap of faith. Similarly, the mortgage lender you choose is also taking a risk – which they protect by requiring the borrower to have buildings insurance. Building insurance is one of these protections and is a must-have.

However when taking out a mortgage it is wise to review all of your protection needs such as contents cover, life and critical illness cover and income protection to provide peace of mind should the worst happen. These can often feel daunting to review alone.

Don’t worry – that’s what I am here to help with. At NC Property Finance I can help advise you on protection and insurance whether you’re new to buying a home or re-mortgaging and looking for a better deal.

Buildings Insurance

Family Income Benefit Advice

While life insurance can pay off a mortgage if tragedy strikes, it may not cover day to day living costs. Family Income Benefit can help you secure your family’s health and wellbeing with a tax-free monthly payout that is paid in the event of your death or the diagnosis of a terminal illness.

Nobody likes talking about worst-case scenarios, but this insurance can really help provide reassurance that your family will be looked after if disaster strikes.

Buildings Insurance

Buildings and Contents Insurance Advice

Buildings and contents insurance protects the structural part of your home and provides the funds needed to rebuild it if disaster strikes. Like life insurance, knowing what you actually need and don’t need is essential to getting the right deal. It’s one insurance that you cannot afford to be ignorant of.

NC Property Finance is here to help. I’ll help you find the right cover to meet your needs without breaking the bank – ensuring your home is kept safe and secure.

Equity release

Income Protection Insurance

Income protection insurance can help guarantee an income if you are unable to work due to illness or injury, can help guarantee a continued income when disaster strikes and you are unable to work due to illness or injury.

Income protection insurance pays out until you are able to resume working, but often does not cover the entirety of your income. the length of the policy and the period of time you wait for the benefit to pay depends on the product. Navigating this alone can be a challenge, that’s where Nc property finance can step in to take into consideration your needs, circumstances and budget to offer the advice on the product you need.

Deciding whether or not you need income protection can be a challenge. NC Property Finance can step in and offer advice and reassurance around income protection.

Life Insurance Document

Life Insurance & Critical Illness

Life insurance is a scary prospect for new homeowners: but it’s a sensible and essential investment in your family’s future. Without it, you often wouldn’t be able to leave anything to your family in the event of a tragedy.

I’ll discuss life insurance with you and help navigate the tricky options you need to consider when making your decision.

I also offer advice around critical illness cover, which can pay out if you are diagnosed with an illness to help support you and your family. However, there are many critical illness cover packages available and not all illnesses are covered – so seek advice to avoid regretting your decision later in life.

What My Clients Say

With this being our first purchase, it was very daunting and overwhelming but Nicola made the entire process very easy and smooth with her bubbly personality and professionalism. Nicola is very approachable and we felt that we could contact her any time about any queries or concerns which were then addressed promptly and efficiently. We would definitely recommend Nicola to anyone going through this process. Thank you so much for all of your help and advice Nicola! (15/07/23)
Miss K – Whitley Bay

Communication from Nicola was great throughout, my circumstances were not straightforward, but her patience and expertise guided me through and helped me understand everything throughout the process. (27/12/23)
Miss B- Heaton

Nicola provided a relaxed and supportive service, she explained everything clearly and concisely throughout the process and answered my questions promptly. A fantastic service. (23/10/23)
Mr H – North Shields

Nicola had a great attitude, she supported me throughout and always offered a range of options and the pros and cons to all (28/11/23)
Mr B – Gosforth

Nicola offered quality and personalised advise, her communication was excellent and I felt very valued. (27/7/23)
Miss M – Newcastle

Get in Touch

Ready to get started? Choose NC Property Finance for a no-complications, friendly service right here in the North East.