Capital Fortune is a national and
award winning mortgage, buy-to-let
and insurance broker.

Call today to speak to an expert

020 77 100 400

REQUEST A CALLBACK
Image
As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Customer - Purchase
Peter Bartlett has been professional, quick to respond and successfully supported us with a complex overseas mortgage funded in Euros. ...Read More

Critical Illness Insurance

Life insurance is the most critical form of cover to get in place when you take out a mortgage, but of course it only pays out in the event that you die.

While it’s not much fun thinking about it, the reality is that most of us will get ill before we die – and often that means we won’t be able to work. This is a scary prospect if you still have a lot of your mortgage to repay if, for any reason, you become severely ill and can’t earn an income to keep up with your repayments.

Image

What Our Customers Say

Frances Fernandes - Purchase
Peter Bartlett was completely responsive to any need or request of ours ...Read More
1 months, 1 day ago

Customer - Purchase
I am a British citizen working in the middle east and used capital fortune to procure a mortgage back in the UK. Their services l from start to finish was impeccable. Yes you pay for the service but you definitely ...Read More
1 months, 1 day ago

Susan Walton - Purchase
Good communication and quick results. Thank you for making our application as smooth as possible. ...Read More
1 months, 3 days ago

Naresh Jangra - Purchase
Absolutely excellent company, Actually the only company who was able to get us want we needed not what suited them, Very honest from the offset. I can say with confidence this is not a "Computer says no" company ...Read More
1 months, 9 days ago

Find out more

Many people take out critical illness cover to help them get through just this sort of scenario.

There are lots of different policies available and all of them cover slightly different variations of illnesses and stages. For example, the cheaper policies might seem great value but they are likely to cover you for fewer illnesses or they may only pay out if you have stage three cancer for example, rather than stage one.

It’s really worth talking to a financial adviser if you think you need critical illness insurance as they’ll be able to navigate you through the complex jargon and make sure you end up with the best policy for you in your circumstances.

If you do need to claim on your policy and your illness is covered, your insurer will make a one off tax-free payment to you which you can use to pay for any of your expenses including the mortgage, your other household bills, any medical bills and other expenses.

We often see clients who think ‘I won’t need that because it won’t happen to me’. We are programmed to think like this, and we all hope it will turn out to be true.

Image

A lot of people also think that if they have to stop working but still need to pay the mortgage and buy the supermarket shopping each week the government will step in with benefits.

Welfare is available for some people in some circumstances, but even if you qualify, it’s likely you’ll get between £70 and £100 a week in state benefits, which is unlikely to cover all of your outgoings.

Image

Some companies provide additional sick pay, although it’s fairly typical that this reduces to the statutory amount after a limited period of absence from work.

Find out the statutory sickness pay amount.

Image

It may not feel nice, but it often pays to think about what you’d do and how you’d cope financially if the worst did happen. The Association of British Insurers did some research recently and found that around one million British people get seriously ill every year in the UK and can’t work as a result.

If you have family and loved ones depending on you, consider having a conversation with your adviser to find out how much it would cost you to have the peace of mind knowing you’re covered whatever happens.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
LenderInitial RateTypeForThenAPR*ERC*Fee
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS1.14%FixedMay-20234.34%3.9%31-May-2023 £1499
West Bromwich Building Society 2 Year Fixed £1495 Fee Purchase Free Val WBB1.19%FixedJun-20233.99%3.6%30-Jun-2023 £1495
Barclays Bank 2 Year Fixed £999 Fee Purchase BWO1.22%FixedMay-20233.59%3.3%31-May-2023 £999
NatWest GREEN Intermediary 2 Year Fixed £995 Fee £250 Cashback Purchase CNW1.22%FixedJun-20233.59%3.2%30-Jun-2023 £995
TSB 5 Year Fixed £995 Fee Purchase TSB1.24%FixedMay-20263.59%2.8%31-May-2026 £995
TSB 2 Year Fixed £995 Fee Purchase TSB1.24%FixedMay-20233.59%3.3%31-May-2023 £995
Santander UK Plc 2 Year Fixed £999 Fee Porting Cashback CAN1.24%FixedJun-20233.35%3%02-Jun-2023 £999
Skipton BS 2 Year Fixed £995 Fee SBS1.24%FixedMay-20234.64%3.8%31-May-2023 £995
Santander UK Plc 2 Year Fixed £999 Fee Purchase Cashback CAN1.24%FixedJun-20233.35%3%02-Jun-2023 £999
Santander UK Plc 2 Year Fixed £999 Fee Purchase Cashback (Scottish) CAN1.24%FixedJun-20233.35%3%02-Jun-2023 £999
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
West Bromwich Building Society 2 Year Discount £999 Fee Purchase Free Val WBB1.39%
then 3.99
(variable)
DiscountRead More
Furness BS 2 Year Discount No Fee Free Legal ('LA' Postcodes Only) BFU1.49%
then 5.14
(variable)
DiscountRead More
Furness BS 2 Year Discount No Fee Cashback ('LA' Postcodes Only) BFU1.49%
then 5.14
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Platform Intermediary 2 Year Fixed £1499 Fee £250 Cashback CTS1.14%
then 4.34
(variable)
FixedRead More
West Bromwich Building Society 2 Year Fixed £1495 Fee Purchase Free Val WBB1.19%
then 3.99
(variable)
FixedRead More
HSBC Direct 2 Year Fixed £999 Fee Standard HSB1.19%
then 3.54
(variable)
FixedRead More
Image

Get Guaranteed Lowest Rate Mortgages

Award-winning
Mortgage Advisers

Fast Decisions

National Coverage

Holistic Approach

Comprehensive Panel

Direct Access to Underwriters

No Obligation Quote

Did you know we also offer these services?

No Sale, No Fee, Fixed Price

Low Cost, National Coverage

Instant Online Quotes