Property Protection
Protect Your Property Investment Â
Your property is often your largest asset, making it essential to get the right insurance for you. Whether you’re buying your first home or building a property portfolio, we’ll help you understand your options.Â
Buildings insurance is required for residential mortgages. We work with various insurers to help you find competitive rates and suitable cover options. Â
Contents insurance protects your belongings inside the home – from furniture to personal items.Â
Focusing on clear explanations, we’ll help you understand what different policies usually cover and what they don’t. Then we’ll guide you through some additional options, like accidental damage or home emergency cover.Â
Access to whole-of-market best ratesÂ
Expert guidance on buildings and contentsÂ
Impartial advice on levels of cover
Seamless process from quote to completionÂ
Buildings Insurance
Buildings Insurance
Covers the physical structure of your property - walls, roof, fixtures - against damage from fire, flood, storms.
Contents Insurance
Contents Insurance
Protects your personal belongings inside the home - furniture, electronics, clothing - against theft, damage, or loss.
Landlord Insurance
Landlord Insurance
Protects rental property owners against property damage, liability claims, and potential loss of rental income.
Property Cover FAQs – What You Need To Know
Property insurance can seem straightforward, but there are often important details within a policy that make a big difference when you need to claim. Here are key questions we get asked about property protection.
Why is buildings insurance mandatory for mortgages?
Mortgage lenders require buildings insurance because your property secures their loan. If your home is damaged or destroyed, the insurance ensures there will be money available to rebuild it, protecting both you and the lender’s investment.Â
What's the difference between buildings and contents insurance?
Buildings insurance covers the structure of your home and permanent fixtures. Contents insurance covers moveable items like furniture, clothes, electronics, and personal belongings. They can be bought separately or together.
How do I know how much contents cover I need?
You can add up the replacement cost of everything in your home – it can be surprising how much it comes to. We can help you do this calculation, or some insurers offer unlimited contents cover for extra peace of mind.
What if I'm buying a flat - do I still need buildings insurance?
If you’re buying a leasehold flat, the freeholder usually arranges buildings insurance for the whole block of flats, and you might pay your share through service charges. However, it’s possible you will still need contents insurance and sometimes additional buildings cover.
Are there any common exclusions I should know about?
Standard policies often exclude gradual damage, wear and tear, and damage caused by a lack of maintenance. Cover might be limited for high-value items like jewellery or art unless specified separately.Â
What's accidental damage cover and do I need it?
Accidental damage cover protects against accidents like spilling drinks or food on your carpet or putting your foot through the ceiling. It is an optional addition insurance, but relatively inexpensive, covering many common household mishaps.
How quickly can I get property insurance in place?
Buildings insurance can usually be arranged immediately, often with same-day cover. This is essential from the exchange of contracts during the buying process. Contents insurance can also start immediately once you’ve provided the necessary information.
How long will my buildings insurance quote last for?
Most of the quotes that we can offer are valid for 6 months. When you receive your mortgage offer, we can organise a quote for you and most providers will guarantee that price until the cover is required at exchange of contracts.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Commercial Finance
Secure business property purchases, refinancing, and investment opportunities with tailored commercial lending solutions and expert guidance.
Buy-to-let Mortgages
Maximise rental yields with specialist buy-to-let solutions tailored to experienced and first-time property investors.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Development Finance
Fund your property development projects with structured finance solutions covering land acquisition, construction, and project completion.
Refurbishment Finance
Transform properties with specialist renovation funding, offering flexible draw-down facilities aligned to your refurbishment schedule.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Residential Mortgages
Secure competitive rates and flexible terms for your home purchase with our expert guidance and market knowledge.
Buy-to-let Mortgages
Maximise rental yields with specialist buy-to-let solutions tailored to experienced and first-time property investors.
High Value Mortgages
Exclusive lending solutions for premium properties, offering bespoke terms and competitive rates for substantial borrowing requirements.
Short Term & Bridging Finance
Fast, flexible funding to bridge gaps in property transactions, renovations, or urgent finance needs with quick completion.
Stamp Duty & Mortgage Calculator
Calculate your property costs accurately with our comprehensive tools, ensuring informed decisions and proper financial planning.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Equity Release
Unlock property wealth in retirement with specialist equity release solutions designed to enhance your financial flexibility.
Residential Mortgages For Older Borrowers
Specialist mortgage solutions for over 55s, offering flexible terms and competitive rates tailored to later-life.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Property Insurance
Protecting your home's structure, belongings, and rental income from fire, theft, storms, and tenant issues.
Business Insurance
Helps your business stay secure if a senior team member is lost or unable to work and protects each partner’s share in the company.
Family Insurance
Includes financial support for your loved ones if you pass away, a lump sum for serious illnesses like cancer or stroke, regular income if you can't work, and cover for your child's critical illness so you can focus on their care.