Protection

Helping you with your insurance

Mortgage protection policies ensure you avoid leaving you and your family in financial hardship. Contact us today and speak with our qualified adviser for more information.

Types of insurance

Taking on a mortgage is a responsibility that can span across several decades. If during that period, you should meet with an untimely death, suffer a disability or contract a critical illness that impairs your ability to pay the loan on your home, mortgage protection insurances provide your family with the ability to retain the house and pay the bills.

In situations where homeowners are unable to pay the mortgage, you run the risk of falling behind with your payments. Needless to say, this could result in the family home being sold or repossessed. With a mortgage protection policy, repayments on your loan are always covered without you or your family being inconvenienced.

ICF Mortgages provide a full complement of mortgage protection insurance policies that cover untimely death, disability and certain critical illnesses that may force you out of work.

Life assurance

The life assurance policies we offer at ICF Mortgages originate from reputable companies that offer full disclosure on transparency.

We explain exactly how the policies work when they become effective and how much you will receive at any given time.

Critical illness Cover

If you lose your source of income due to a serious illness that forces you out of work.

A critical illness policy will ensure your bills and monthly mortgage repayments are met for a specified period of time.

Building and contents

Buildings and contents insurance is often necessary in order to secure a mortgage, although this is not the case with every mortgage.

However, these types of policies are worth their value should your home need repairs or if you are burgled.

Income Protection

Income protection differs from a standard mortgage protection policy which only covers your mortgage repayments.

Income protection provides a greater level of financial security as it also covers additional expenses such as bills.

Family Income Benefit

The purpose of a family income benefit product is to provide your family with financial security by replacing your earnings until the policy expires. Premiums on family income policies are typically fixed for the length of the policy.

Stephanie was so helpful from start to finish. Her advise was priceless and in the end got us the mortgage offer we wanted. Nothing but good words to say. Even our estate agent mentioned how helpful Stephanie was. Highly recommend and will definitely use again in the future.

Steph is by far the most helpful mortgage advisor I have ever had the pleasure of dealing with. She understands the market and comes up trumps every time. In my case, she didn’t give up when most other people did. Many thanks.

Find out how we can help

Finding the right mortgage for you has never been so easy! for impartial expert advice contact ICF Mortgages today