When taking out a mortgage, you should review your home insurance arrangements.

mortgageforce™ can offer you comprehensive and competitive insurance so that you can be sure you’re always adequately covered.

Buildings Insurance: As a condition of your mortgage, you will have to take out buildings insurance. As a minimum, it should cover you up to the full cost of repairing or rebuilding your home in its present form. Buildings insurance is available at different levels and usually includes cover for your home against risks such as fire, flood or subsidence. You can also select a higher level of cover to include full accidental damage.

Contents Insurance: Contents insurance, which covers items such as furniture, carpets and similar belongings, is optional but highly advisable. Risks such as fire, flood and theft are generally covered under basic home insurance policies. More comprehensive cover is also available including extras such as full accidental damage, personal possessions and specified valuables. Premium discounts may be available if you have an alarm system and some policies offer no claims bonuses.

GET A HOME INSURANCE QUOTATION

The premium quoted is an estimate only and the actual premium will depend on individual circumstances.

When taking out a mortgage, you should review your Income Protection insurance arrangements.

mortgageforce™ can offer you comprehensive and competitive insurance so that you can be sure you’re always adequately covered.

The chances of finding yourself out of work due to long-term illness are unfortunately all too high. In this situation, Income Protection cover can help you replace the lost income by paying out a regular income benefit to help replace lost earnings and/or it can pay a regular pension contribution protection benefit.

Whether you're employed or self-employed, Income Protection insurance can provide support and help you maintain your standard of living for as long as it takes to get fit enough to go back to work.

When you're setting up your plan, you simply have to work out how much you would need to cover your living expenses.

You need to decide when you want the income benefit payments to start. There will be a period when you’re first unable to work for which the insurers don’t pay benefit. This is called the ‘deferred period’. You choose between 4, 13, 26 and 52 weeks. The longer the deferred period the cheaper your plan will be.

You can choose to receive income, or continue your pension contributions, or a combination of both. It’s entirely up to you. Your cover will be based on what you were earning in the 52 weeks before you became ill and were unable to work.

The premium quoted is an estimate only and the actual premium will depend on individual circumstances.

When taking out a mortgage, you should consider protection for your mortgage payments.

mortgageforce™ can offer you comprehensive and competitive insurance so that you can be sure you’re always adequately covered.

It is very important to take the precaution of protecting yourself and your family against the risk of losing your home and if you are unable to work due to, accident, sickness and unemployment.

If you were to lose even part of your income, a previously affordable mortgage could become a heavy burden. State benefits are not as generous as they used to be and far fewer people are now eligible. If you need to claim, you could be in for a shock.

Payment Protection insurance provides monthly benefits in the event that you have time off work through sickness, unemployment or following an accident. You can take cover to protect you in each of these events, or you can select individual elements to protect, which provides for a cheaper cost of insurance.

Payment protection can be selected to protect you from the day of the loss of income occurring or else you can select a 30 or 60 day excess period, which can reduce the cost of the cover and can fit in with any benefits your employer may provide.

The premium quoted is an estimate only and the actual premium will depend on individual circumstances.

Mortgage Force Commercial Limited (MFCL) deals with the commercial finance needs for your business.

MFCL is a subsidiary of the West Bromwich Group and operates as a specialist commercial broker with access to funding from the breadth of the market.  Therefore here at mortgageforce, we are not restricted to your residential needs, but also have the market leading expertise you expect from mortgageforce.

Finance can be arranged for three principal business property areas:

• Investment property (for example, buy-to-let with offices/factories/shops)
• Owner occupier property (any business wanting to own their own premises)
• Development finance (such as residential or commercial building/refurbishments)

In addition, MFCL can also obtain

• Asset finance e.g. lorries, plant and machinery, computer equipment
• Invoice finance e.g. finance against sales ledgers/invoices
• Start up finance for businesses in the Black Country, Birmingham and South Staffs

To speak to someone about your requirements click HERE

Welcome to mortgageforce™

My name is Matthew Human.  I am an impartial and professional mortgage advisor based in Croxley Green, Hertfordshire.  I am based in Herts, but can cover the UK.

As impartial mortgage brokers, we at mortgageforce™ are able to save you time and money as we do all the hard work for you when looking for mortgages.  By making use of our quick and convenient award-winning service we will compare thousands of deals from the whole market (rather than just a few lenders) to find the most competitive and appropriate product for you, ensuring your monthly mortgage repayments are potentially kept to a minimum.

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Getting the right advice is the most important start to your mortgage needs.  We are passionate about following the principle of Treating Customers Fairly as prescribed by the Financial Services Authority.  We always provide the best advice, ensuring our recommendations are most suited to you needs.

* These mortgages are not regulated by the Financial Services Authority and therefore the usual protection available will not apply.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Your home is at risk if you do not keep up repayments on your mortgage or other loans secured upon it. Written quotations available on request. All loans are subject to status, valuation and security.

There may be occasions where we may charge you a fee, which may depend on your circumstances. In these situations we will inform you at an early stage, the fee being no more than 1.75% of the loan amount.

Mortgage Force Ltd is authorised and regulated by the Financial Services Authority, and is entered on the FSA register (www.fsa.gov.uk/register) under reference 301046.

The advice and / or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.