SJP Mortgages and protection
A house or a flat is probably the biggest thing most of us buy. It’s an exciting time and, whether you’re familiar with the process or you’re a first-time buyer, we’re here to help.
We'll also be able to help you keep yourself and your loved ones safe. Whether that's with life assurance, critical illness cover or income protection, we'll make sure you've got everything covered.
Mortgage options
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First-time buyers
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First-time buyers
Buying your first home is a huge moment. It’s exhilarating – and daunting. We’ll explain clearly the range of different mortgages and help you make the best choice.
You can hand the whole process over to us from first application to final completion. If you’d like more information, find an adviser today.
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Purchasing
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Purchasing
Whether you’re 25 or 65, buying a new home can be pretty stressful. Our qualified advisers can guide you through the maze, from application to completion.
If you have children or grandchildren, you may be thinking of helping them get on the property ladder – you can discover how to do this and still protect your own assets.
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Remortgaging
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Remortgaging
Your home is often your biggest asset, and re-mortgaging your property is a common way to raise capital for renovations or extensions.
Or perhaps you’re just looking for a better mortgage deal? Our qualified advisers can guide you through the maze of re-mortgaging from start to finish.
First-time buyers
Buying your first home is a huge moment. It’s exhilarating – and daunting. We’ll explain clearly the range of different mortgages and help you make the best choice.
You can hand the whole process over to us from first application to final completion. If you’d like more information, find an adviser today.
Purchasing
Whether you’re 25 or 65, buying a new home can be pretty stressful. Our qualified advisers can guide you through the maze, from application to completion.
If you have children or grandchildren, you may be thinking of helping them get on the property ladder – you can discover how to do this and still protect your own assets.
Remortgaging
Your home is often your biggest asset, and re-mortgaging your property is a common way to raise capital for renovations or extensions.
Or perhaps you’re just looking for a better mortgage deal? Our qualified advisers can guide you through the maze of re-mortgaging from start to finish.
Your home may be repossessed if you do not keep up repayments on your mortgage.
What are the benefits of our mortgage advice approach?
Saving you time
We research the market for you. We search for your first charge mortgage from a number of high street lenders, building societies and specialist lenders to find the best one for you.
Understanding your mortgage
Come to us for peace of mind. You’ll receive advice on how your mortgage – fixed rate or tracker, flexible or offset – fits your circumstances now and your goals for the future.
Giving you confidence
Mortgages can be confusing. We guide you every step of the way through any complexities in the process, so it’s straightforward and stress-free.
Understanding rates and terms
You’ve found your new home. A holiday bolthole. A buy-to-let, or an eco-friendly self-build. Now how do you finance it?
You need clear, accurate explanations of terms that lenders use so you understand what you’re signing up to. No question is too silly about how you’ll pay back your borrowing, so please don’t be afraid to ask. Our advisers pride themselves on speaking in plain English, without resorting to jargon. And because they know you’re looking for great value, they’ll explain the rates and the fees for each deal they recommend so you can easily compare.
Mortgage calculator
Start your home-buying journey with our calculator.
It’ll give you an idea of how much you can potentially borrow so you can see the property price you can afford.
Your home or other property may be repossessed if you don’t keep up payments on your mortgage.
We offer a comprehensive range of first charge mortgages from across the market, which lenders make available to mortgage intermediaries, for which we will be paid a procuration fee by the lender.
Some buy to let mortgages are not regulated by the Financial Conduct Authority.
What types of protection insurance are available?
Protection is about more than simple life insurance – it’s about ensuring your mortgage and other payments are protected if you have a loss of income through illness or disability, keeping you and those who depend on you safe.
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Protecting your income
Protecting your income
Income protection gives you the reassurance that you would receive some or all of your income if you had to take time off work due to an accident or serious illness.
It’s a core part of any financial plan because your earning potential is likely to be your most valuable asset. This is especially important if you have a family, as it’s likely that they rely on at least some of your income, so protecting it will protect them too.
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Life assurance
Life assurance
Life assurance provides a tax-free lump sum to whoever you chose to receive it when you die.
There are two types of life assurance: term assurance and whole of life assurance.
Term assurance provides cover for a specified time period. Term assurance plans are typically used when covering a financial liability that will reduce or end in the future, for example repayment of a mortgage or to provide a sum to cover the cost of educating children.
Whole of life assurance will provide a lump sum whenever death occurs, providing your contributions have been maintained for the duration of the plan.
Whole of life plans are typically designed to cover liabilities that will occur when you die, no matter when that is, such as an Inheritance Tax bill or to supplement what you leave to your heirs. Whole of life plans are also used where the period of cover is unknown or uncertain.
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Critical illness cover
Critical illness cover
If you are diagnosed with an illness such as cancer or suffer a heart attack, you and potentially your family, if you have one, may find yourselves financially worse off.
This is because your expenses are likely to be the same, or even higher, but you may be unable to work, or decide you don’t want to work any longer.
Critical illness plans provide a lump sum if you are diagnosed with one of a large number of specified illnesses. The cover can be for a specific time period or for your whole life.
Given that we are more likely to suffer a serious illness than to die before we retire, it is perhaps the most valuable element of all protection plans.
Protecting your income
Income protection gives you the reassurance that you would receive some or all of your income if you had to take time off work due to an accident or serious illness.
It’s a core part of any financial plan because your earning potential is likely to be your most valuable asset. This is especially important if you have a family, as it’s likely that they rely on at least some of your income, so protecting it will protect them too.
Life assurance
Life assurance provides a tax-free lump sum to whoever you chose to receive it when you die.
There are two types of life assurance: term assurance and whole of life assurance.
Term assurance provides cover for a specified time period. Term assurance plans are typically used when covering a financial liability that will reduce or end in the future, for example repayment of a mortgage or to provide a sum to cover the cost of educating children.
Whole of life assurance will provide a lump sum whenever death occurs, providing your contributions have been maintained for the duration of the plan.
Whole of life plans are typically designed to cover liabilities that will occur when you die, no matter when that is, such as an Inheritance Tax bill or to supplement what you leave to your heirs. Whole of life plans are also used where the period of cover is unknown or uncertain.
Critical illness cover
If you are diagnosed with an illness such as cancer or suffer a heart attack, you and potentially your family, if you have one, may find yourselves financially worse off.
This is because your expenses are likely to be the same, or even higher, but you may be unable to work, or decide you don’t want to work any longer.
Critical illness plans provide a lump sum if you are diagnosed with one of a large number of specified illnesses. The cover can be for a specific time period or for your whole life.
Given that we are more likely to suffer a serious illness than to die before we retire, it is perhaps the most valuable element of all protection plans.
Useful guides to mortgages and protection
Discover more about your options and how we can help.
