Skip to main content

Fully comprehensive

Mortgages & Insurance

Insurance and mortgages are personal; throughout our many years of experience, we have seen all aspects of the buyer’s journey, and consequently, have learnt what works best to offer an excellent experience.

‘Your Home may be repossessed if you do not keep up repayments on your mortgage’

“Some forms of Buy To Let mortgages are not regulated by the Financial Conduct Authority.

Mortgage advice done simply

Whether you’re a first-time buyer, buying a new home or looking to remortgage, here at Mo Money Financial, we could help you save hundreds of pounds on your mortgage. Secure the most suitable deal possible. As well as provide you with independent, unbiased mortgage advice.

We understand that mortgages can be stressful and confusing. Plus, due to their complexity, mortgages aren’t one size fits all. Therefore, our team of experts are here for you, offering mortgage advice, every step of the journey.

What is a mortgage, and how does it work?

Essentially a mortgage is a loan you take out to buy a property or land. Typically, this mortgage will run for 25 years, but the term can be shorter or longer if necessary. The money you borrow from the lender is called the capital. The lender then charges you interest on that amount until it is repaid. There are many hurdles to cross in terms of mortgages, so let us guide you.

Mortgage advice

for first time buyers & remortgagers

As a first-time buyer, you will have never owned a home before. Therefore, getting your first mortgage is one of the most significant steps to buying your first home. However, even though this is an exciting time, there are many steps, some of which are quite complicated.

This also applies to property owners who are looking to remortgage. It can take from a few weeks to several months to complete, depending on the situation.

Therefore, we’ll guide you every step of the way. From deposit advice through government schemes – we dedicate ourselves to helping you get onto the property ladder in the smoothest way possible.

Expert mortgaging advice

Overall, we’re here to offer our customers excellent initial fee free mortgage advice. Our expert advisers will help you secure the right mortgage deal whether you’re a first-time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

So, if you would like to chat more about your mortgage, get in touch with Mo Money Financial today (01933 837200)

What is life insurance, and how does Critical Illness Cover work?

Even though life insurance may not be compulsory, it is undoubtedly a good idea to have it. Regardless of your situation, protecting your loved ones will give you peace of mind that you have taken care of everything. That is why we offer life insurance advice, ensuring you choose the right products for your circumstances.

Primarily, life insurance protects your loved ones financially in the event of your death. It is a promise you buy from an insurance company to help take financial care of the loved ones’ you leave behind.

Often sold alongside mortgages, the majority of life insurance policies are paid for by monthly premiums. Therefore, when you buy a life insurance policy, you’ll designate beneficiaries who’ll receive the life insurance pay-out. This is what we refer to as a ‘death benefit’.

As well as life insurance, we also offer advice for Critical Illness Cover. Otherwise known as critical illness insurance, this is a form of long-term insurance plan which covers serious illnesses listed within a policy.

Examples of critical illnesses that might be covered include; strokes, heart attacks, certain stages of cancers and conditions of multiple sclerosis.

If you are to get one of these illnesses, a critical illness policy will pay out a tax-free, one-off payment. This payment can help pay for your mortgage, rent, debts, or alterations to your home, such as wheelchair access, should you need it.

Here at Mo Money Financial, our expert Critical Illness Cover and life insurance advisers can help you choose the right policy for your circumstances. Therefore, you can be sure you and your family are covered to the right level of risk and don’t waste money on unsuitable policies.

Protect your loved ones

with the correct life insurance cover

If you believe your family would struggle financially in the event of your death, we would recommend Life Insurance Cover.

We understand, this is not something you think about every day, and nor does it want to be, but, it is certainly something which needs considering. Can you be sure who will pick up the day to day bills for your loved ones when you are no longer there to pay them? Without an income, family members you leave behind may struggle to clothe and feed themselves, as well as pay for bills. That is why we actively promote life insurance.

Therefore, if you’re looking for advice on which life policy is most suited to your situation, get in touch with Mo Money Financial (01933 837200)

Home Insurance

Home insurance may not be compulsory but is wise to have it. Nothing is more valuable than your home. It contains priceless items such as memories, belongings and home comforts – but most importantly, your loved ones. Therefore, it makes sense to ensure that it is fully protected.

We understand that no matter how much security you put in place, there is always still a risk of theft, natural disasters and damage. Unfortunately, these are events which we cannot entirely prevent. But, to reduce the impact these events have on your life and protect your home, you will need home insurance.

How does home insurance work?

Home insurance is a policy that you take on to protect your home and family comforts. It is available in two different forms: buildings insurance and contents insurance. Or you can opt for a comprehensive plan that will include both.

Home insurance offers you cover, which you can use to rebuild your home should a disaster unfold. However, even though there are typically only two main types of protection, there are many different types of home insurance. Some of which people do not know about.

• Tenants Insurance
• Landlord Insurance
• Flat Insurance
• Listed Building Insurance
• Accidental Damage
• Cover Away From Home
• Legal Expenses
• Home Emergency

Without these home insurance covers, typical claims can run to several thousand pounds, and costs can spiral out of control!

How do I get the right home insurance deal?

We understand that home insurance can be overwhelming; this is why we offer advice and guidance on choosing the right cover for your situation. Protecting your most valuable asset – your home – is vital. Here at Mo Money financial, we will make sure you have the correct policy for your circumstance and ensure you have complete peace of mind.

If you would like to chat with one of our home insurance experts, don’t hesitate to get in touch with Mo Money Financial (01933 837200). You’ll never know what’s around the corner, so prepare for the future, now.

Why should I get health insurance?

As many people know, there are times when the NHS faces massive strains upon its resources. Consequently, when you need medical attention and the NHS is busy, arranging an appointment can be difficult. As a result, having the right private health care cover in place can make all the difference.

• Health insurance can benefit you in numerous ways, some of which include:
• Shorter waiting times for treatment on the NHS
• Better facilities
• Faster diagnosis
• Choose from a range of private facilities
• Choose a convenient time for appointments and treatments

Private treatment covers an array of things, including exclusive drugs, hospital stays, scans and surgical procedures. However, factors which are not usually covered are any existing, chronic problems, A&E visits, drug abuse, organ transplants, healthy pregnancy and non-essential cosmetic treatments.

We are not authorised to provide advice on Private Medical Insurance and will refer you to an authorised specialist

Let Mo Money Financial help you

choose the right health cover

Everyone has different needs, but everyone wants to have the speed and quality of care that gives them the best chance of recovering from a severe illness.

To ensure you receive the most suitable plan for your circumstances, we advise speaking to an insurance specialist to ensure you receive the right plan that is suitable to your needs, we advise you speak with an insurance professional.  Here at Mo Money Financial, our team of experts will make sure you understand the various types of cover and policies, but most importantly, which one is most suitable to you.

Therefore, for initial fee-free advice, get in touch today (01933 837200).

We have developed a strong and reliable working relationship with  reputable and reliable insurers and mortgage lenders.

Here at Mo Money Financial, we have a straightforward motto. We aim to make insurance and mortgages simple and accessible to all.

Ultimately, we want to provide a friendly jargon-free service to all our clients. But most of all, will always go above and beyond to cater to your needs.

Therefore, if you’re looking for expert guidance and support throughout the whole process - get in touch with Mo Money Financial.

Ultimately, we want to provide a friendly jargon-free service to all our clients. But most of all, will always go above and beyond to cater to your needs.

Therefore, if you’re looking for expert guidance and support throughout the whole process - get in touch with Mo Money Financial.