Your Property Financial

Your Property Financial

Check out our brief income covered video below⬇️

How would you pay your bills if your income stopped?

For most the loss of their monthly income would be fatal for their finances and would immediately result in severe financial hardship. Once your sick pay at work ends you're effectively on your own!

Even if you had some savings, these would be quickly eaten up by being used to cover your monthly outgoings. 

At Your Property Financial, we can help you put in place Income Protection which is designed to replace your income if you're unable to work due to sickness, accident, or disability. 

If you're employed your sick pay likely only runs for a few months and if you're self-employed you have no sick pay at all! So if your income stopped things will become tough really quickly. 

Without your income covered or very significant savings behind you, if something goes wrong you could end up behind on your bills, mortgage or rent arrears with your home at risk and even potentially not able to put food on the table!

The good news is often only at the price of a cup of coffee you can protect your monthly income.

Why wouldn't you protect your income?

The biggest question to ask yourself is once your sick pay with work ends (which it will after only a few months typically) how would you survive with no income?

If you don’t have a solid answer this type of plan is something you should be considering.

Income Protection can cover you if you can’t perform your own occupation due to sickness, accident or disability and has the potential to pay out to you for many years if something was to go really wrong.

Income Protection is essentially putting in place your own long-term sick pay arrangement, these are very significant and comprehensive insurance plans that can potentially cover your income right up until your 70th birthday.

Income Protection provides the peace of mind that you will continue to receive a monthly income until you are ready and able to return to work. 

Jamie Thunder
Jamie Thunder
We wouldn't hesitate to recommend Your Property Financial to anyone buying a property. We've dealt directly with Paul at all stages, and he's been friendly, knowledgeable, responsive and clear throughout.
Alejandro Gerardo Gomes
Alejandro Gerardo Gomes
Thank you so much Your Property Financial and Paul for all the support, advice and help in our process to buy our home. Paul was very professional, friendly, well knowledgeable on property purchase process, timing on answering our questions and he gave us the best advice. I highly recommend Your Property Financial as your first step before you buy your property as they will explain you all the processes and find the best options available for you and they will guide you all the way until the end of the process. Thank you Paul again ☺️
I couldn't recommend Paul enough. He was straightforward and thorough. He has guided through the mortgage process and helped us revise our offers multiple times.
eleni georgiadou
eleni georgiadou
Paul worked with me and my partner to find the most suitable mortgage and life insurance deals as first time buyers. He has been extremely professional and thorough since day 1, providing information and clarifications in an efficient way. He has also liaised with our solicitors and developer for a smooth and on time exchange without the need to request for an additional extension from the lender. We can’t thank him enough for all his hard work and look forward to working again with him on our upcoming re-mortgage application. We fully recommend his services!
Thor Portess
Thor Portess
Paul assisted me in the purchase and refinance of a property in East Finchley. The process in obtaining the mortgage was smooth and seem less and helped me to purchase the property in a timely manner.
Ioannis Grigoriadis
Ioannis Grigoriadis
Paul has provided us with a great service in a process that is stressful and includes so many variables. His guidance has been invaluable and has led to finding a place we have now moved into and love. He has always been available to talk to us in short notice and gave us ample time to ask questions so that we can feel confident in making informed decisions. He has gone above and beyond and we would highly recommend his services to anyone in the process of buying a home.
Paul Robson
Paul Robson
Paul Tait provided a very thorough service with a great outcome for us. He listened very carefully to us talk about our situation and priorities. Also great at keeping in touch and steering the process to completion in a very tight window. Thanks
Dom P
Dom P
Paul is great to work with. He give you a lot of time to explain things and ask questions and is responsive to emails and calls. He’s helped me from start to finish of a property transaction, from searching to moving it. I’d very much recommend Paul.
Richard Nice
Richard Nice
Paul couldn't have been more helpful and friendly. He clearly outlined all the options for our case (which was not that simple) and put us in touch with some other great people to assist with every process. We're very happy with his service and would highly recommend it.
Lucy Fletcher
Lucy Fletcher
Paul worked with myself and my parents to get us the right deal for our new family home. He was able to get us the mortgage we needed in time for our house sale and was able to help with the solicitor side of things which greatly helped hurry the process along. He was very understanding of our situation and was able to help whenever we needed him. I couldn't recommend Paul enough, I will definitely be using him as my financial advisor again.

How does income protection benefit work?

Payable tax-free at an amount up to 60% of your gross income.

  • You can still maintain your standard of living until you can return to work when you're feeling better.
  • You don't need to dip into your savings.
  • If you're self employed you can also get cover

How does it work?

  • The benefit pays out after your current sick pay ends.
  • It will then continue to pay out while you're signed off work by your doctor.
  • It will only stop paying out if you reach the end of the cover term or you're well enough to return to work

Protecting your mortgage and essential bill payments.

  • It is important to make sure you have the means to pay your mortgage, utility bills, council tax, and food bills if you are unable to work.
  • Protecting yourself from falling into arrears, default, severe financial difficulties and by extension protecting your credit score.

What are some of the options with your income protection benefit?

Full-term cover

With a plan that pays you for as long as you need—until you go back to work, retire, or your policy ends. For complete peace of mind that you’d always have money coming in.

Short-term cover available

Pays out for a set duration (1, 2 or 5 years).

Cheaper than full-term cover, but bear in mind it stops paying after that time – even if you are still unable to return to work.

The waiting period

It is important to consider the waiting period (Time before payout) of any policy you are considering - the longer the waiting period, the more you may be able to reduce the premium paid.

Complete your details below and we’ll be in touch to help you with your enquiry

Get in touch for an initial free, no-obligation chat with an advisor about how we might be able to help you.

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People claim for a variety of reasons.

Income protection cover offers you a monthly income if you're unable to work due to sickness, accident or disability and are signed off work by your GP.

Common conditions claimed for include:


Musculoskeletal injuries or conditions: Like broken bones or back pain.


Mental health conditions: Like stress, anxiety or depression.


Other serious illnesses: Like cancer, heart attack or stroke.

Why choose us

✅Access to all the top insurers - Comprehensive range of options!


✅Exclusive rates - not available on the high street special deals!


✅Insurer relationships - Existing medical issues? We can help!


✅We structure a completely bespoke protection package to suit your needs!

Your Property Financial Ltd (FCA Number:942504) which is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading style of Personal Touch Financial Services Ltd (FCA Number: 187834) which is authorised and regulated by the Financial Conduct Authority.
 Your Property Financial Ltd. Registered in England and Wales company number 12940973. Registered office address 5 Ducketts Wharf, South Street, Bishop’s Stortford, Herts, CM23 3AR.
The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. 
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