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.

NC Financial Ltd trading as NC Property Finance act as a credit broker not a lender for buildings and contents insurance.

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

Nicola has been an invaluable source of support in navigating a slightly more complicated mortgage requirement. I have found her to go above and beyond in terms of finding a mortgage to suit my requirements, at the best value possible. She is a pleasure to work with and I would have absolutely no hesitation in recommending her services
Ms Carel

Since deciding to develop a small property portfolio and seeking advice from Nicola my confidence in her ability and professionalism has grown to the extent that I know the best financial solution will emerge without my input. Now I leave everything to Nicola in the knowledge that a bespoke and cost-effective introduction will obtain a positive return on my investment.
Mr Jeffreys

I knew I'd need a mortgage advisor as I find paperwork to be the bane of my life. I was told Nicola was great but she completely exceeded my expectations. She did everything and just asked me the questions. No way would I have managed to do it without having a breakdown, she made it look so easy and so simple. There is no way I would ever buy a house without her by my side.
Ms Thomas

I thought I needed help finding a new mortgage but Nicola gave so much more. From the beginning Nicola made me feel it was possible and explained all the options and how I could best achieve what I wanted with my mortgage. She really had to go the extra mile for me finding a suitable one and I really appreciated it. At every step, I felt informed, supported, secure and encouraged. I can’t recommend her more highly.
Ms Murray

Get in Touch

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