Category Archives: Advice

With the clocks gone back and darker evenings drawing in across Manchester, Burnley, Accrington and Rawtenstall, now is a good time to think about home security. Whether you’re going on holiday or just heading out for the day, there are simple steps you can take to help protect your home from burglars.

At Gordon Anthony Mortgages, we help homeowners across the North West with their mortgages and insurance. For most people, their home is their biggest financial commitment, so protecting it is about more than the mortgage itself. A few sensible home security measures, along with the right insurance cover, can give you greater peace of mind this autumn and winter.

According to the Office for National Statistics, police recorded 245,284 burglaries across England and Wales in the year ending March 2025, including both residential and non-residential properties. Although this represented an 8% decrease on the previous year, burglary remains a concern for homeowners.

With the nights getting longer, there are more opportunities for thieves to attempt a break-in under cover of darkness. While you cannot completely eliminate the risk, there are practical precautions you can take to help deter opportunistic burglars.

Smart technology to improve home security

Smart video doorbells have become increasingly popular, allowing you to keep an eye on activity outside your home when you aren’t in. Many include motion detection sensors that send notifications to your phone when movement is detected. As well as allowing you to speak to a delivery driver while you’re away, they can help you spot suspicious activity.

Smart lightbulbs can also be useful, particularly if you’re going away. They can be controlled remotely from your phone and scheduled to switch on and off at different times, helping to create the impression that someone is at home, even when the property is empty. With darker evenings arriving earlier, this can be a simple way to make your home look lived in.

While the latest technology can be beneficial, don’t overlook traditional home security measures. Check that your burglar alarm is working properly and get into the habit of setting it every time you leave the house, even if you’re only popping out for a short while.

Avoid leaving an empty driveway

If you’re going away for an extended period, consider asking a friend or neighbour to park their car in your driveway. They could also move your bins on collection days, so it is less obvious that the property is empty.

Whether you live on a busy street in Manchester or a quieter road in Rossendale, small signs that a home is occupied can make a difference. Having a trusted neighbour keep an eye on things while you’re away is another simple but effective precaution.

Don’t attract unwanted attention

Take a look at your home from the outside and check whether any valuable items are visible through the windows. Laptops, televisions, games consoles and other expensive gadgets could attract the attention of a potential thief, so consider moving them out of sight.

It’s also worth locking away ladders, tools and anything else that could be used to gain access to your property.

Before going away, check that all windows and doors are securely locked and avoid leaving spare keys in obvious hiding places, such as under a doormat or plant pot.

Check your home insurance this autumn

Even with good home security measures in place, it’s impossible to remove every risk. That’s why having the right home insurance is so important.

Buildings insurance will typically cover insured damage to the structure of your home, such as broken glass or damaged locks following a burglary. Contents insurance usually covers possessions that have been stolen, subject to the policy terms, limits and exclusions.

However, not all home insurance policies provide the same level of protection. You may need additional cover for high-value items, bicycles or expensive technology, so it’s important to check the terms and conditions.

If you’ve bought new gadgets, jewellery or other valuables since you last reviewed your policy, it’s worth checking whether your current cover still reflects what you own.

Jack Cunningham, at Gordon Anthony Mortgages, said:

“Most people arrange home insurance when they buy a property and then don’t look at it again. But life moves on. You might have added new gadgets, a bike or some jewellery, and your cover may not have kept pace. Autumn is a sensible time to check your policy, so you know where you stand if the worst happens.”

Whether you’re reviewing your existing policy or arranging home insurance in Manchester and the surrounding areas, taking time to understand your cover can help you avoid unexpected gaps in protection.

Frequently asked questions about home security and insurance

Does home insurance cover burglary?

Contents insurance usually covers possessions that are stolen in a burglary, subject to the policy terms, limits and exclusions. Buildings insurance will typically cover insured damage to the structure of your home, such as broken glass and damaged locks.

Do I need extra cover for valuable items?

You may do. High-value items, jewellery, bicycles and expensive technology can require additional cover, so it’s important to check the terms, conditions and individual item limits of your home insurance policy.

How can I make my home look occupied while I’m away?

Smart lightbulbs on a timer, a car on the driveway and a neighbour moving your bins can all help. Make sure your alarm is set and all windows and doors are locked before you leave.

How often should I review my home insurance?

It’s sensible to review your home insurance at least once a year, particularly before your policy renews. You should also check your cover whenever your circumstances change, such as when you buy expensive items, renovate your home or make significant changes to your belongings.

Home insurance advice from Gordon Anthony Mortgages

Whether you’re looking for mortgage advisors in Manchester or need advice on your home insurance, Gordon Anthony Mortgages is here to help.

We provide mortgage and insurance advice to homeowners across Manchester, Burnley, Accrington, Rawtenstall and the wider North West. If it’s time to review your buildings and contents insurance, get in touch to discuss your options.

Important information

Your home may be repossessed if you do not keep up repayments on your mortgage. It is important to take professional advice before making any decision relating to your personal finances. Information within this document is based on our current understanding and can be subject to change without notice. Some rules may vary in different parts of the UK. We cannot assume legal liability for any errors or omissions it might contain.

As with all insurance policies, conditions and exclusions will apply. 

When it’s time to remortgage, most homeowners naturally focus on their mortgage rate, monthly repayments and what deals might be available. But there’s another part of your finances that can easily be overlooked: your protection cover.

Recent research has found that many homeowners don’t properly review their protection when remortgaging, despite the fact their income, lifestyle or family circumstances may have changed considerably since they last arranged their mortgage.

At Gordon Anthony Mortgages, we help homeowners across Manchester and the North West understand both their mortgage and protection options, so a remortgage can also be a useful opportunity to take a wider look at your financial arrangements.

Most homeowners don’t fully review their protection

Research from Vitality found that only 18.6% of homeowners properly reviewed their protection needs when remortgaging. Almost two-thirds (64%) carried out only a cursory check, while 17% did not review their protection at all.

That matters because a protection policy arranged several years ago may no longer reflect your circumstances today. Your mortgage balance may have changed, your income could be different, or you may have experienced significant changes in your family or working life.

Protection needs are personal, and what was appropriate when you first took out your mortgage may not necessarily reflect your circumstances when you come to remortgage.

Why review protection when you remortgage?

Remortgaging is already a point at which you are taking stock of one of your biggest financial commitments, so it can be a natural time to consider whether your existing protection arrangements still reflect your needs.

Changes since you last reviewed your mortgage might include:

• Having children or other new dependants
• Getting married or separating
• Moving home
• Becoming self-employed
• Changing jobs or income
• Increasing or reducing your mortgage borrowing
• Changes to your household’s wider financial commitments

Not every change will mean that you need different protection. However, reviewing what you already have can help you understand whether your existing cover continues to reflect your circumstances.

What protection cover should you consider when remortgaging?

There are different forms of financial protection, and the type and level of cover that may be appropriate will depend on your individual circumstances.

• Life insurance can provide a financial payout if you die during the policy term, subject to the terms of the policy. For homeowners with a partner, children or other dependants, this could help provide financial support at a very difficult time.
  
• Critical illness cover is designed to pay out if you are diagnosed with one of the specified conditions covered by your policy and meet the relevant definitions.
  
• Income protection is designed to provide a proportion of your income if you are unable to work because of illness or injury, subject to the policy terms and any applicable waiting period.

These types of protection work differently, so it is important to understand exactly what a policy covers, how long the cover lasts and any exclusions that apply.

Could your circumstances have changed without your cover changing?

It’s easy for a protection policy to sit quietly in the background once it has been arranged. Meanwhile, life moves on.

You might have taken out life insurance when buying your first home, for example, but subsequently had children, changed career or moved to a different property. Alternatively, your income or mortgage commitments may now look very different.

The Vitality research highlights why this can be important. It found that many homeowners are remortgaging with protection that may no longer reflect their income, family circumstances or financial responsibilities.

The same research found that homeowners believed they could continue paying their mortgage for an average of 6.3 months if they lost their income, while almost one in ten said they would struggle beyond a single month.

This doesn’t mean that everyone needs additional or different protection. It does highlight the value of understanding what you already have in place and what financial support could be available if your circumstances unexpectedly changed.

Remortgaging isn’t only about finding a new rate

Searching for a new mortgage deal is understandably a major part of remortgaging, but it can also be a useful opportunity to look at the bigger picture.

Speaking to mortgage advisors in Manchester can help you understand the mortgage options that may be available based on your circumstances. At the same time, reviewing existing protection can help establish whether it continues to reflect your current needs.

At Gordon Anthony Mortgages, we work with homeowners across Manchester, Rawtenstall, Burnley, Accrington and the wider North West, providing straightforward support around mortgages and protection without unnecessary jargon.

Frequently asked questions about remortgaging and protection cover

Do I need to change my life insurance when I remortgage?

Not necessarily. Whether your existing cover remains appropriate will depend on your individual circumstances and the policy you already have. A remortgage can simply be a useful opportunity to review it.

What happens to my protection policy when I remortgage?

This will depend on the type of policy you have and its terms. Remortgaging does not necessarily mean you need a new protection policy, which is why reviewing your existing arrangements can be useful.

When should I review my protection cover?

Major financial and life changes can provide a useful prompt to review your cover. These might include remortgaging, moving home, having children, changing employment or experiencing a significant change in income.

Can a mortgage broker help with protection cover?

A mortgage and protection adviser can discuss your circumstances, explain the types of protection available and help you understand the options that may be suitable for your individual needs.

Thinking about remortgaging?

If your current mortgage deal is coming to an end, it could be a good time to look at your wider financial arrangements as well as your mortgage.

Whether you’re looking for a mortgage broker in Manchester or want to understand your existing protection arrangements, Gordon Anthony Mortgages can help you explore your options based on your individual circumstances.

We work with homeowners throughout Manchester and across the North West, including Rawtenstall, Burnley and Accrington.

Need to know

As with all insurance policies, conditions and exclusions will apply. You may have to pay an early repayment charge to your existing lender if you remortgage.

Your home may be repossessed if you do not keep up repayments on your mortgage.

With the Autumn Budget taking place on 28 October, it’s understandable that some homebuyers and movers may be wondering whether to wait and see what happens before making their next move.

Budgets inevitably generate speculation. There may be headlines about potential changes to property taxes, support for first-time buyers and the wider economy in the weeks ahead. But until the Chancellor stands up and confirms what is changing, speculation is just that.

If you’ve found the right home, need more space, want to relocate or are ready to take your first step onto the property ladder, does it make sense to put everything on hold?

Not necessarily. At Gordon Anthony Mortgages, we believe it’s important to look at your own circumstances, rather than trying to predict what might happen next.

When is the Autumn Budget 2026?

The government has confirmed that the Autumn Budget will take place on Wednesday 28 October 2026.

We don’t yet know everything that will be announced, so buyers should be cautious about making significant financial decisions based purely on speculation around potential Budget measures.

What we do know is what the mortgage and property landscape looks like today. If you’re considering moving, speaking to a mortgage advisor can help you understand your current position and the mortgage options that may be available to you.

Do you need to wait until after the Budget to buy a home?

There isn’t one answer that will be right for everyone. For some people, waiting may make sense. For others, delaying a move purely because a Budget is approaching could mean putting personal plans on hold based on changes that may or may not happen.

There are plenty of reasons people need or want to move that have very little to do with Westminster.

Perhaps your family has outgrown your current home and you need an extra bedroom. You might be relocating for work, downsizing, moving closer to family or simply have found a property that feels right for you.

First-time buyers may also have reached the point where their deposit, income and circumstances mean they’re ready to explore buying their first home.

If that’s the case, understanding what is achievable now can be more useful than trying to second-guess future announcements.

Found your perfect home?

Property purchases aren’t purely financial decisions. They’re often driven by life.

The right property in the right location doesn’t necessarily appear at the same time as the perfect economic conditions. If you’ve found a home that meets your needs and you’re considering making an offer, an upcoming Budget is one factor to be aware of – but it’s not the only one.

Your deposit, income, affordability, mortgage options, likely monthly repayments and longer-term plans all need to be considered.

Speaking to mortgage advisors in Manchester can help you understand the options currently available based on your individual circumstances, so you can make a more informed decision about whether you’re ready to proceed.

What could the Budget mean for first-time buyers?

One housing policy has already been announced ahead of the Budget.

The government has unveiled a new scheme called Your First Home, designed to support some first-time buyers in England who may be struggling to save a large enough deposit.

Under the proposed scheme, eligible first-time buyers purchasing a new-build property from a participating developer are expected to be able to buy with a 2.5% deposit, supported by a 20% government-backed equity loan.

The equity loan will have an initial interest-free period. However, important details are still to come. Household income caps and local property price caps are expected to apply, while further information on costs, eligibility and implementation is due to be announced at the Budget.

So, while the announcement could be significant for some first-time buyers, it won’t necessarily be relevant or suitable for everyone.

If you’re already considering buying your first home, you don’t necessarily need to stop exploring your existing mortgage options while waiting for the full scheme details.

What about Stamp Duty?

One area where there is greater certainty is Stamp Duty.

Despite earlier speculation about potential changes to property taxation, Prime Minister Andy Burnham ruled out changing or scrapping Stamp Duty at the upcoming Budget when questioned in July, saying: “That won’t be happening.”

This means buyers don’t currently have a confirmed Stamp Duty change to wait for before deciding whether to proceed with a purchase.

Currently in England, eligible first-time buyers pay no Stamp Duty Land Tax on the first £300,000 of a property costing up to £500,000, with 5% payable on the portion between £300,001 and £500,000.

For anyone considering moving, this provides a little more certainty ahead of 28 October. Rather than delaying a purchase in anticipation of a Stamp Duty change, buyers can focus on their own circumstances, the property they want to buy and the mortgage options currently available to them.

Focus on your move, not the headlines

Jack Cunningham, Business Principal and Mortgage & Protection Advisor at Gordon Anthony Mortgages, says:

“It’s completely understandable that people see headlines about the Budget and wonder whether they should wait. But buying a home is a personal decision as well as a financial one. If you’ve found the right property or your circumstances mean it’s time to move, it’s worth understanding what your options are now rather than automatically putting your plans on hold. We can look at your individual circumstances and explain the mortgage options available to you.”

Mortgage advisors in Manchester: understanding your position now

Whether you’re buying for the first time, moving to a larger home, downsizing or simply considering your next step, getting a clearer picture of your mortgage position can help.

At Gordon Anthony Mortgages, we work with buyers and homeowners across Manchester, Rawtenstall, Burnley, Accrington and the wider North West. As experienced mortgage advisors in Manchester, we can discuss your circumstances, explain the mortgage options available and help you understand the costs involved.

The Budget may bring changes. Equally, some of the speculation we’re hearing today may come to nothing. The important thing is not to let uncertainty automatically stop you from exploring your options.

Frequently asked questions about buying before the Budget

When is the Autumn Budget 2026?

The Autumn Budget will take place on Wednesday 28 October 2026.

Should I wait until after the Budget to buy a house?

That depends on your individual circumstances. An upcoming Budget is one consideration, but your finances, mortgage options, property choice and reasons for moving are also important. You may wish to explore your current position rather than automatically delaying your plans.

What is the new Your First Home scheme?

Your First Home is a government scheme announced for England that is expected to allow eligible first-time buyers to purchase participating new-build properties with a 2.5% deposit and a 20% government-backed equity loan. Further details, including income and property price caps, are due to be confirmed at the Budget.

Can I find out how much I could borrow before deciding whether to move?

A mortgage advisor can look at your individual circumstances and discuss the mortgage options that may be available. The amount you can borrow will depend on factors including income, expenditure, deposit, credit history and individual lender criteria.

Thinking about moving?

If you’ve found your perfect home, need more space or simply feel the time is right for your next move, you don’t necessarily need to let Budget speculation put your plans on hold.

Speaking to a mortgage broker in Manchester can help you understand where you stand today and make your decision based on your own circumstances rather than the headlines.

Get in touch with Gordon Anthony Mortgages for a straightforward conversation about your mortgage options.

Your home may be repossessed if you do not keep up repayments on your mortgage.

For many aspiring homeowners, getting onto the property ladder can feel increasingly difficult. Rising living costs, deposit worries and uncertainty around mortgage affordability often leave buyers assuming homeownership is simply out of reach.

However, recent research suggests that many first-time buyers could be ruling themselves out too early. 

At Gordon Anthony Mortgages, we regularly speak to people across Manchester and across the North West who are surprised to discover there may be more mortgage options available to them than they originally thought.

Many buyers have never spoken to a mortgage broker

Research from the Building Societies Association (BSA) found that nearly half of people hoping to buy their first home have never spoken to a lender or mortgage broker about their options.

This means many prospective buyers may not fully understand:

• What mortgage products are available
• How much they may be able to borrow
• Whether schemes or specialist products could help
• What deposit options exist
• How lenders assess affordability

The research also found that even people who had explored their mortgage options previously may not have up-to-date information, with many not reviewing the market within the last 12 months.

The mortgage market changes regularly

Mortgage products, lending criteria and interest rates can change frequently.

As a result, someone who may not have qualified for a mortgage previously could find that their options look very different today.

This is particularly relevant for:

• First-time buyers
• Self-employed applicants
• Buyers with smaller deposits
• People with variable income
• Buyers using gifted deposits or family support

As mortgage advisors in Manchester, we often find that many buyers underestimate what may be possible until they begin exploring the market properly.

Could you buy sooner than you think?

According to the BSA research, when potential buyers were shown mortgage options requiring little or no deposit, around two thirds said they may be able to buy a home sooner than expected.

This highlights an important point: assumptions around buying a home are not always accurate.

Many people delay speaking to a mortgage broker in Manchester because they assume:

• They need a much larger deposit
• Their income is too low
• Their credit history will stop them
• Mortgage repayments will be unaffordable
• They are not yet in a strong enough position

While affordability remains an important consideration, exploring your options can often provide greater clarity around what may or may not be achievable.

Affordability and deposits remain key concerns

The research showed that affordability remains one of the biggest barriers to homeownership, with 64% of respondents identifying this as a challenge.

Saving for a deposit also continues to be difficult for many aspiring buyers:

• 53% said deposit saving was a major obstacle
• 59% had less than £10,000 saved

Unsurprisingly, these financial pressures can lead many people to feel discouraged about buying altogether.

However, the research suggests that many hopeful homeowners may benefit from having a clearer understanding of the options potentially available to them before assuming homeownership is out of reach.

Why speaking to a mortgage broker can help

A conversation with a mortgage advisor does not automatically mean you are committing to buying a property immediately.

For many buyers, it is simply about understanding:

• What may be possible
• What lenders are currently offering
• What steps could improve future affordability
• How much deposit may realistically be needed
• Whether there are products suited to their circumstances

At Gordon Anthony Mortgages, we help buyers across Manchester, Rawtenstall, Burnley, Accrington and the wider North West better understand the mortgage process in a straightforward and jargon-free way.

The importance of up-to-date mortgage information

One of the key findings from the research is that outdated assumptions can sometimes stop buyers from exploring opportunities that may now exist.

Mortgage lending criteria can evolve over time and new products regularly enter the market.

This means buyers who:

• Were declined previously
• Thought their deposit was too small
• Believed they needed to wait longer
• Assumed affordability would be an issue

may find that their situation looks different today.

Of course, every lender and mortgage application is assessed individually and approval is never guaranteed.

Mortgage advisors in Manchester supporting first-time buyers

As mortgage advisors in Manchester, Gordon Anthony Mortgages works with first-time buyers looking for clear and personalised support throughout the homebuying journey.

Whether you are simply exploring your options or actively preparing to buy, understanding the current mortgage market can help you make more informed decisions.

Frequently asked questions about first-time buyer mortgages

Do first-time buyers always need a large deposit?

Not necessarily. Deposit requirements vary between lenders and mortgage products, although a larger deposit can sometimes provide access to more competitive rates.

Can I get a mortgage with less than 10% deposit?

Some lenders do offer products for buyers with smaller deposits, subject to eligibility and affordability checks.

Is it worth speaking to a mortgage broker before house hunting?

Many buyers find it helpful to understand their potential borrowing position before beginning their property search.

Can mortgage products change quickly?

Yes. Mortgage rates, lender criteria and available products can change regularly depending on market conditions.

What if I was declined for a mortgage previously?

Being declined previously does not always mean future applications will be unsuccessful. Circumstances, lender criteria and available products may change over time.

Here to help

If you are looking for a mortgage broker in Manchester or want to better understand your first-time buyer options, Gordon Anthony Mortgages is here to help.

We support buyers across Manchester and the North West with clear, straightforward mortgage guidance tailored to individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Sources

• Building Societies Association – Think again! First-time buyers could be much closer to owning a home than they realise
• MoneyAge – 47% of aspiring buyers have never spoken to mortgage broker, study finds

Life can change unexpectedly, which is why many people choose to put financial protection in place for themselves and their families.

Whether it is helping protect loved ones financially, supporting mortgage repayments or providing a safety net if illness prevents you from working, the right protection cover can offer valuable peace of mind.

At Gordon Anthony Mortgages, we help clients across Manchester and the North West better understand the different types of protection available and how policies may support their individual circumstances.

Protection needs are different for everyone

There is no one-size-fits-all approach when it comes to protection insurance.

The level and type of cover someone may require will depend on a range of personal factors including family circumstances, mortgage commitments, income, employment status, existing savings and future plans. As mortgage advisors in Manchester, we often find that people are unsure where to begin when exploring protection options, particularly if they are buying a home for the first time or starting a family.

Understanding different types of protection cover

There are several different forms of protection insurance available, each designed to support different needs and circumstances.

These may include:

• Life insurance
• Income protection insurance
• Critical illness cover
• Family income benefit

Each policy works differently and will have its own terms, conditions and exclusions.

Why life insurance is often important for families

For many homeowners and parents, life insurance forms an important part of financial planning.

Life insurance can help provide financial support to loved ones in the event of death, helping families manage ongoing financial commitments such as mortgage repayments, household bills, childcare costs and everyday living expenses. Many people find reassurance in knowing that their partner or children could have financial support in place if the unexpected were to happen.

Income protection can help provide a financial safety net

For people who rely heavily on their monthly income, income protection insurance may also be an important consideration.

Income protection insurance is designed to provide regular monthly payments if you are unable to work due to illness or injury, subject to policy terms and conditions.

This type of cover can be particularly relevant for:

• Self-employed workers
• Contractors
• Business owners
• Sole earners
• People without substantial savings

As a mortgage broker in Manchester, we regularly speak to clients who are surprised by how little financial support may be available if they were unable to work for a prolonged period.

Balancing protection with affordability

The cost of protection cover will vary depending on several factors, including age, health, smoking status, occupation, policy term and the level of cover selected.

For many people, affordability is naturally an important consideration. If budget is a concern, it can be helpful to focus first on the areas of life that could create the greatest financial impact if circumstances changed unexpectedly.

For example, families may prioritise life insurance to help protect loved ones financially, while self-employed individuals may focus more on income protection. Homeowners may also wish to ensure mortgage commitments are considered as part of their wider financial planning.

The most suitable option will always depend on individual circumstances.

“Many people only start thinking about protection after a major life event like buying a home or starting a family. The important thing is understanding what financial support could look like if circumstances suddenly changed and making sure your cover reflects your own situation.”
— Jack Cunningham, Director, Gordon Anthony Mortgages

Why reviewing your protection regularly matters

Protection needs rarely stay the same forever.

Major life events can all affect the type and level of cover someone may wish to have in place, including:

• Buying a home
• Getting married
• Having children
• Changing jobs
• Becoming self-employed
• Moving house
• Taking on larger financial commitments

Reviewing protection policies regularly can help ensure cover continues to reflect current needs and circumstances.

Mortgage advisors in Manchester helping you understand your options

At Gordon Anthony Mortgages, we help clients across Manchester, Rawtenstall, Burnley, Accrington and the wider North West explore mortgage and protection options in a clear and straightforward way.

As mortgage advisors in Manchester, we can help explain the different types of cover available and help you better understand how protection policies work alongside your mortgage and financial commitments.

Frequently asked questions about protection insurance

What types of protection insurance are available?

Common types of protection insurance include life insurance, income protection insurance and critical illness cover.

Do I need life insurance if I have a mortgage?

Many homeowners choose to consider life insurance to help protect mortgage repayments and provide financial support for loved ones, although individual needs will vary.

What does income protection insurance cover?

Income protection insurance is designed to provide regular monthly payments if you are unable to work due to illness or injury, subject to policy terms and exclusions.

Does protection insurance cover everyone automatically?

No. Eligibility, premiums and cover levels will depend on personal circumstances, medical history and insurer criteria.

Should protection policies be reviewed regularly?

Many people choose to review their protection arrangements regularly, particularly after significant life or financial changes.

Here to help

If you are looking for a mortgage broker in Manchester or would like to better understand your protection options, Gordon Anthony Mortgages is here to help.

We support clients across Manchester and the North West with clear, straightforward guidance around mortgages and protection policies.

As with all insurance policies, conditions and exclusions will apply.

Your home may be repossessed if you do not keep up repayments on your mortgage.