Protecting your property and possessions
When you purchase a property, your top priority should be to protect it, including the physical structure and all of its contents.
Let’s look at some of the different insurance you may need:
Buildings insurance:
Firstly this is a requirement from the mortgage lender and typically will be put in place on “exchange of contracts” if you’re buying a freehold property (House) or if you’re purchasing a leasehold property (Flat) this will most likely be included already in the service charge you pay and therefore you’re not required to arrange separately.
What does buildings insurance typically cover:
Insure your home against things like fire, flood and storm damage.
Accidentally damage e.g. You reverse the car into the property by accident or spill wine over the carpets.
Georgiana Olescu2024-04-10Paul is an amazing broker, very helpful, responsive to emails and patient with customers. The process with him was quick and easy as his work ethic is impeccable. We are beyond impressed and happy with his services and that we got to work with him.
Valerie O2023-12-28Exceptional service provided by Paul, I could not have asked for better. Definitely does his due diligence and goes above and beyond. Highly recommended!
Bonnie Frost2023-12-25Paul is a fantastic advisor and guided my husband and myself through the entire process of buying our first home, he made the entire process feel easy and we were well informed along with great communication and fast action. We completed within 3 months of contacting Paul.
Johnathan Lowery2023-11-16Working with Paul has been a hugely positive experience. Paul took the time to understand our needs and financial situation, ultimately securing us a mortgage deal that we would not have been able to obtain on our own. His guidance and patience over an extended time was invaluable in guiding us through a volatile period in the property market. I highly recommend working with Paul at Your Property Financial.
Adeel Sarwar2023-10-02It has been great working with Paul. He helped us to redeem our help to buy equity loan which didn't seem possible to me when I first contacted him. It took much longer than expected due to many obstacles but Paul explained every step of the process very clearly and he regularly communicated with me to ensure the remortgage went through as efficiently as possible. I would definitely recommend working with Your Property Financial.
Jessica2023-08-29I would highly recommend Paul as a mortgage broker. As a first time lone buyer I began the process feeling very out of my depth, particularly in a market where mortgage rates are very high. But from the get go Paul provided reassurance and practical guidance and has been immensely helpful throughout the process. I've really appreciated his responsiveness, honesty and support.
Louise Griffiths2023-08-28I reached out to Paul 2 years ago and giving this review now because I wanted to ensure that I could give a true review of what benefits I have experienced from using his service. I am thrilled with the financial expertise given to me by Paul. His skillful negotiation secured me an excellent mortgage rate within a short turn around time. This has not only set me on the path to paying off my principal balance but has also allowed me to simultaneously build a solid emergency fund. His initial guidance has been invaluable in shaping my financial future. I look forward to working with Paul again, once my 5 year plan is near its end. Highly recommended!
Calum Hebron2023-08-05Paul has been consistently excellent, ensuring we got the best possible mortgage deal at a time when rates weren't great. Paul worked with us to understand our financial complexities and went above and beyond to ensure they were understood by mortgage providers. We've been made to understand every stage of the process, and as first time buyers we were able to feel confident in the decisions we made. I would highly recommend working with Paul at Your Property Financial.
Czarina2023-08-04My almost a year-long journey with Paul as my broker has been truly amazing, despite a few hiccups during the mortgage process. Working with him has been the best decision ever! As a first-time buyer, I lacked knowledge about purchasing a home, but Paul's guidance and expertise were outstanding. He explained things in a clear and concise way. What impressed me the most was Paul's responsiveness. He promptly addressed all my questions and concerns, never making me feel like a bother. Even when I faced challenges, Paul's determination and problem-solving skills were unwavering. I felt so supported throughout the entire process. Thanks to Paul's unwavering support, I managed to reach this point. I highly recommend him to anyone, especially fellow first-time buyers. Paul's knowledge, patience, and reliability are unmatched. He's not just a broker; he's an invaluable ally in this complex process. Thank you, Paul!
Alistair Prestidge2023-07-11Paul helped me to get my Mortgage approved in less then 48 hours! He has been great and I can’t recommend him highly enough. His communication is excellent, and he helped me understand each stage of the process easily. Thank you so much for helping me buy my very first home! I will most certainly be recommending Paul to friends & family!
Contents insurance:
If you turned your property upside down, everything that would fall to the floor is typically considered your contents and personal possessions. You can also cover your personal possessions away from the home too.
What does contents insurance typically cover:
- Insure your contents and personal possessions in the home against fire, theft and accidental damage.
- Cover against theft in event of a burglary.
- Cover against accidental damage e.g. You accidentally knock the TV over.
- Cover personal possessions that you take away from the home – items like expensive jewellery and watches or portal electronic equipment.
Peace of Mind: Insurance Broker Tips for Protecting Your Stuff
Feeling secure in your home starts with knowing your belongings are protected. An insurance broker can be your partner in navigating the world of property and possessions insurance. Here’s how they can help:
1. Needs Assessment: Don’t just buy a generic policy. A broker tailors coverage to your specific needs. They’ll consider your property type, valuables, and potential risks (fire, theft, etc.) to ensure all bases are covered.
2. Coverage Clarity: Insurance policies can be dense with legalese. Brokers translate it all! They explain coverage details, exclusions, and policy limits, ensuring you understand exactly what’s protected and for how much.
3. Competitive Shopping: Brokers work with multiple insurers, finding the best coverage at the right price. They compare quotes and navigate discounts, saving you time and money.
4. Claim Support: Facing a loss? Your broker is there for you. They’ll walk you through the claim process, ensuring proper documentation and a smooth resolution.
Taking Action:
Ready for peace of mind? Find a reputable insurance broker by asking friends, family, or searching online for local, licensed brokers.
Bonus Tip: Keep an updated inventory of your valuables with photos and receipts. This streamlines the claim process if the unexpected happens.
Why choose us
✅ WE’RE EXPERTS IN THE FIELD
Our team of brokers are specialists in helping individuals get mortgages and can help you understand the most suitable options available to you.
✅ WE CAN FIND GREAT DEALS AT SPEED
Access to over +90 lenders so you will get the most suitable rates and terms available with many of these lenders not available on the high street as they’re exclusive to brokers.
✅ RELATIONSHIP
Real relationships with the lenders so we can get your application pre-approved if your situation isn’t straightforward. Plus your mortgage broker is there to answer all the questions you may have.
✅ RAPID SOLUTIONS
We’re quick, on our first call we will quickly establish your options and let you know the next steps so we can arrange everything promptly for you. If you prefer to speak face to face we can also arrange a video call.
