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award winning mortgage, buy-to-let
and insurance broker.

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As Featured
Awards from
Our customers have rated our service
Feefo logoIndependant User Feedback98%
Alicha Smith - Buy to Let Remortgage
Excellent service and support from all the team especially James Drury and Stephen Marsh. Very knowledgable and efficient and happy to spend time explaining ...Read More

Life Insurance

For most people getting a mortgage is probably the biggest financial commitment you’ll ever make, which is why we advise our clients to consider taking out some form of protection insurance in case things don’t go quite according to plan.

There are different types of insurance that will cover you for different things but typically, people take out a life insurance policy when they get their first mortgage.

There are different types of life insurance and depending on the level of cover you want, they will be more or less expensive.

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What Our Customers Say

Ann - Purchase
Everything went through smoothly, although mine was probably a 'difficult case'. The service from Ajay and Stephen was very professional and they guided me through the mortgage application step by step. ...Read More
12 days ago

Olufemi Babajide - Remortgage
Everyone we worked with during the process were amazing. I have never felt more informed during the process. Our emails always answered promptly. ...Read More
12 days ago

Ian Manns - Buy to Let Remortgage
They managed the whole process quickly, efficiently, and in a friendly manner. ...Read More
16 days ago

Emma Brogan - Purchase
Very efficient and experienced company. Would recommend to anyone trying to attain a mortgage in challenging circumstances eg the financial shortcomings of a difficult divorce. The communication we received from Capital Fortune was excellent and they kept us informed at ...Read More
17 days ago

Find out more

Term Assurance

This is the simplest form of life cover and it’s usually linked to the mortgage. This means you pay a monthly premium, or payment, to your insurer and in return they agree that if you need to claim, they will pay off the remainder of your mortgage if you die.

This is known as decreasing term assurance as the amount that you’re insuring goes down over the lifetime of the policy because you are paying off the mortgage, so there’s less to repay by the insurer the closer you get to the end of your mortgage term.

It’s difference from ordinary life insurance because, in the event you die before you have repaid your mortgage, the insurer will only repay your mortgage. There will not be any additional money paid out to your surviving partner or family to help cover other costs.

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Life Cover

Some people opt to take out a more comprehensive life insurance policy when they get their mortgage – or even sometimes before or after. This type of policy isn’t linked to the debt outstanding on your home but promises to pay out on your death an agreed sum which is usually bigger than the mortgage.

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This money can then be used to repay whatever debts remain after you die or other expenses your beneficiaries may need to cover, such as funeral costs.

It’s important to note that this type of cover only pays out when you die – unless you take a policy that includes terms and conditions that allow you to access some of the money if you’re diagnosed with a terminal disease for example.

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It’s also a single lump sum payment. For this reason, it’s advisable to put the policy into a trust, something we can do for you. This ringfences the payment from the rest of your estate when you die, meaning your family won’t pay inheritance tax on it and the insurer can release the money to them.

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 BHX1.34%TrackerJun-20214.24%3.9%30-Jun-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.34%TrackerJun-20214.24%3.9%30-Jun-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMay-20215.69%4.8%31-May-2021 £999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Progressive BS 2 Year Discount No Fee Purchase BPG1.39%Discount2 years 5%4.43%2 years £0
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%FixedJun-20214.24%3.9%30-Jun-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%FixedJun-20214.24%3.9%30-Jun-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £999
Skipton BS RETENTION 2 Year Fixed £995 Fee Rate Switch / Porting With Top Up SBS1.44%FixedMay-20214.99%4.4%31-May-2021 £995
Santander UK Plc 2 Year Fixed £1499 Fee Porting CAN1.44%FixedJun-20214%3.6%02-Jun-2021 £1499
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
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
Yorkshire Building Society Direct 2 Year Discount £995 Fee Purchase YBS1.41%
then 4.99
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
Halifax Direct 2 Year Fixed £995 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
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