Home insurance
A clear route, explained around your situation.
Home insurance can be taken out on its own or alongside a mortgage. We explain the difference between buildings and contents cover, what each is designed to protect and the questions worth asking before you choose a policy.
We begin with a conversation about your plans, circumstances and timing. Then we explain the options, lender criteria and paperwork that may matter, so you know what the next step involves.
Buildings cover is for the structure of your home. Contents cover is for the belongings inside it. Both can be considered on their own or alongside a mortgage, and the right cover depends on the property, your possessions and the policy terms.
How we help
Practical support from the first question onwards.
- Explain the difference between buildings and contents cover
- Discuss cover on its own or alongside a mortgage
- Help you consider your property, belongings and circumstances
- Keep the policy terms and exclusions clear
Questions, answered
Useful detail without the jargon.
Why do I need a mortgage broker?
A broker takes time to understand your plans, income, budget and circumstances, then explains suitable routes from a wide panel of lenders. That gives you a clearer basis for your decision.
What can a mortgage broker do for me?
We help you understand your budget, gather the right documents, prepare the application and liaise with the lender, solicitor and estate agent through to completion.
How does the buying process work?
We start with your budget, then support the property search, offer, solicitor instruction, application, valuation and legal completion. We keep you updated at each stage.
How does the finance process work?
We talk through your situation, explain the documents needed, research suitable options, manage the application and stay involved while the lender completes its checks.
What is buildings cover?
Buildings cover is designed to protect the structure of your home, including areas such as the roof, walls, floors and permanent fixtures, subject to the policy terms.
What is contents cover?
Contents cover is designed for belongings kept in your home, such as furniture, clothing and electrical items, subject to the policy terms and any limits or exclusions.
Can home insurance be taken out without a mortgage?
Yes. Buildings and contents cover can be taken out on its own as well as alongside a mortgage. We can help you understand what each part is intended to cover.
Why does home insurance matter alongside a mortgage?
A mortgage is a major commitment, so it is sensible to consider how damage to the property or loss of belongings could affect your household. The policy and cover level should reflect your circumstances.
Start with a useful conversation