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and insurance broker.

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Simon Everest - Buy to Let Remortgage
Yes most defiantly. Very professional and well organized and were able to help me based on very complex situation. Options given. ...Read More

Buildings and Contents Insurance

When you buy a home, there are two types of cover it’s important to get sorted straight away.

Buildings cover is usually an annual policy that covers the cost of rebuilding or repairing the property if its structure is damaged.

Contents cover is also usually an annual policy that covers the cost of replacing or repairing contents inside (and in some circumstances) outside of the home if they are lost, stolen or damaged.

If you have a mortgage, it’s a legal requirement to have buildings insurance because the lender must have reassurance that if something happens to the property, they can recover their money.

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What Our Customers Say

Customer - Buy to Let Remortgage
James Drury and Stephen Marsh steered me through the usually stressful process of mortgage application, quickly and efficiently. You just know you're dealing with professionals from the start. I recommend them wholeheartedly and will return to them when other mortgages ...Read More
1 months, 6 days ago

Michael Edwards - Remortgage
Smooth, professional attitude and prompt action together with excellent communication. They seem to be all round good guys. It was a pleasure doing business with them. ...Read More
1 months, 17 days ago

Customer - Remortgage
Capital Fortune delivered the mortgage that they said they thought they could provide for me, despite my age . They answered all my questions and were always helpful and quick . ...Read More
1 months, 17 days ago

Customer - Purchase
I had quite a difficult case, - self employed but with no accounts and had tried and failed to get a mortgage with 3 other brokers. However Capital Fortune seemed at the outset to be more familiar and understanding with my ...Read More
1 months, 19 days ago

Find out more

There are lots of different providers and policies vary in price and what they’ll cover. Generally, the rule of thumb when it comes to working out what is covered by your buildings cover it’s anything that would stay put if you turned the whole house upside down.

Plumbing, windows, walls, ceilings, electrics etc are all typically covered; your fridge freezer, table and chairs on the other hand – not covered.

Buildings insurance comes into its own when your property suffers damage, usually through no fault of your own. The most typical claims on buildings insurance include things such as burst pipes causing flood damage to your property and neighbours’ properties, fire, subsidence causing structural damage, storm damage and flooding.

These events may not occur every day but when they do, the damage caused is usually expensive to fix, running into tens of thousands of pounds in the worse scenarios.

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Contents Insurance

Contents cover is not compulsory but in the event you suffer a burglary, house fire, water damage or you have something stolen from you while out of the house it’s contents insurance you’ll rely on.

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In the same way buildings insurance covers everything that would stay put if you turned the house upside down, contents covers everything that would move. This is particularly important if you suffer a fire as if you had no contents insurance and only buildings cover, the latter would rebuild the property but you would have no possessions to put inside it and no payout for those that you lost.

Many people choose to take contents cover for slightly less than the full value of their possessions but this means that should you need to claim for everything, when you reached your policy limit, that’s all you’ll be entitled to.

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Most things are covered on a generic contents policy, although if you have individual items worth £5,000 or more – a watch or painting for example – then these may have to be named on the policy specifically.

For help finding the right buildings and contents insurance for you, speak to one of our advisers now.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.29%TrackerSep-20214.24%3.9%30-Sep-2021 £999
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%Discount2 years 5.79%5.2%2 years £999
NatWest Intermediary 2 Year Tracker £995 Fee Purchase £250 Cashback CNW1.34%TrackerOct-20214.24%3.9%31-Oct-2021 £995
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerAug-20215.69%4.8%31-Aug-2021 £999
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.39%FixedSep-20214.24%3.9%30-Sep-2021 £999
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.39%FixedJul-20214.99%4.1%31-Jul-2021 £995
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Skipton BS Intermediary 2 Year Tracker £995 Fee SBS1.39%Tracker2 years 4.99%4.1% £995
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
Furness BS 2 Year Discount £999 Fee Cashback BFU1.29%
then 5.79
(variable)
DiscountRead More
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%
then 5
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.39%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.39%
then 4.24
(variable)
FixedRead More
Halifax Direct 2 Year Fixed £995 Fee Purchase BHX1.39%
then 4.24
(variable)
FixedRead More
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